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

Hello! I opened my WISE Bank account during the past a few days and suddenly I find all the amount have more then XXXX dollar in my account withdrawn without interference from me through Using of a card Detail! Thant Not good, this is a robbery that happened by taking all my money from my account of wise Bank! and The Strangar is The Thief Have doing 35+ Transactions, In one same Time Happened in my account, And each Transaction took place at the One time and take {$50.00} dollar from each Transaction! My personal Data was hacked and my card was used without my knowledge! That's why I consider this a robbery that happened,! And I have lost confidence with wise Bank, I want Here Refund My all Money, and Start Investigation about this Case, I will share with the bdf file have all Transactions happened in my account bank name : Wise Bank Name Thief : Line Financial 1 Date taking My Payment : XX/XX/2023 at XXXXXXXX XXXX All the money that was stolen : XXXX Dollar There no taking any action by Wise Bank of my payment! I want Here Immediately Doing start investigation about that problem! and also Refund My all Money In my account as soon as possible Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 i did not give any written instructions XXXX XXXX XXXX  account number is XXXX ..... 

XXXX states account balance is {$3500.00} experian states balance is {$3500.00} XXXX  states balance is {$0.00} date opened XXXX states XX/XX/2017 inaccurate experian states XX/XX/2017 XXXX  states XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit correction provided by XXXX XXXX. But, not reflected on my account by the three bureaus. 

XXXX  XXXX bank account manipulated and inaccurate with out proper verification based upon FTC guide line. Proof attached. 

Treasury account also updated and not reflected on my credit bureaus credit profile.
Product: Checking or savings account

Very odd things on my receipt 's, being charged when I pay cash, a trust account that neither myself or wife are aware of which makes sense as to why we are constantly billed twice for items. We have never and would never agree to have anyone over our money and we are certain its from my wifes previous employer. Our FHA loan is also linked to an investment account that we also never agreed too
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX 21. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 22. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  23. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 24. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Checking or savings account

XX/XX/2022 I supposed to receive a deposit for {$150.00} to PNC BANK. PNC BANK told me that the deposit was rejected the same day due to closed account. I've waited a whole month thinking that the deposit was sent back to the sender and would come in a check because it was rejected by the bank. But instead, I was lied to and they kept the deposit and forward it to collections without my knowledge or consent. I just discovered this information today XX/XX/2022 because it has been quite a while. 
I really need help. I didn't like the fact that I've called several times and was told the same thing instead of them telling me otherwise. That was very dishonest and untrustworthy of a bank. I would like my {$150.00} back please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Federal Government took away our lawful money ( silver & gold ) in 1933 but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX. 
That the use of a ( federal reserve ) Note is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. 
That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have been a client of Equifax services for many years. Monitoring and credit reporting information which includes updates on credit score. On XXXX XXXX 2016, XXXX, a mortgage industry credit information provider, processed and verififed my XXXX credit scores from XXXX, XXXX and Equifax. All bureaus except for Equifax provided correct accurate information. Equifax provided using the same Fico score model as i there web page a score of XXXX in the report processed by XXXX and on there web page ( Equifax Web Page ) on the same date was reflecting XXXX. 
Equifax has been doing this same type of abhorrent behavior of reporting credit information and scores incorrectly for many years and have gone unpunished for FCRA violations I contacted on XXXX/XXXX/2016 Equifax with the letter provided by XXXX showing the XXXX score from Equifax and the information from Equifax own page as of XXXX XXXX credit score information reflecting over XXXX point difference. I hav been processing a financial transaction in the last 30 days so I have been monitroing my Equifax page every day for score and it has been XXXX-XXXX range during the last 30 days including XX/XX/XXXX-XX/XX/XXXX when the credit pull was effected. 
Today, XXXX/XXXX/2016, I spoke with Equifax representative and a Supervisor, both gave me the scripted answer provided to consumers who like me ask the correctness and accuracy of there reporting. Supervisor stated there is nothing he can do. This is not correct and the purpose of the FCRA is that companies and private enterprise do not abuse, cheat, lie or dupe citizens/ consumers as it relate to credit reporting ad financial transactions. 

I would appreciate your immediate action upon Equifax and that this company stops abusing federally protected consumers rights. Make immediate correction on my credit report history and score and reflect the same information as on there web page when providing information to credit information outlets fro financial transactions Kind regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless statements and dispute and this company and the credit buearus have failed to remove these accounts. This is prohibiting me from purchasing a home. I was a victim of identity theft.
Product: Credit reporting or other personal consumer reports

In XXXX i was made aware i was a victim of identity theft. I contacted the collection agencies. they verified that my name was correct and that my information matched up. The only difference was an address that I didn't recognize. I was pretty sure that my ex wife filed for bankruptcy to try and save a property that was in both our names that was in foreclosure.
Product: Debt collection

I received a XXXX  on XX/XX/XXXX from a debt collector, and I can't figure out if it's spam or if I am a victim of identity theft. 

The letter is from XXXX XXXX XXXX and it references non-payment for $ XXXX debt to Synchrony Bank Paypal Credit . It says a payment was made to the account in XXXX of XXXX and default started in XXXX of XXXX. 

I did take what I thought/think was a spam call several months ago about the same debt. I argued with them on the phone that I have never had a Paypal account. We couldn't get past the fact that I wouldn't give them my personal information over the phone and they got more aggressive as the call went on so I ended it and forgot about it. 

This week when I got the letter, I checked out XXXX XXXX online and it looked legitimate. I got on a chat with them and it went about the same as the phone call - I continued to ask what I could do to contest the debt because it was not mine and they continued to ask for personal information to confirm my identity. It seemed to be a real person and not a bot. They did not seem concerned with my concern, and the chats got more aggressive as I continued to refuse to give my personal information. We finally got hung up on the fact that my name on the letter and in their system is " XXXX XXXX ''. I told them that is not my legal name and so they decided they could not tell me more because it was not my account. They said that they had sent me several items by mail, but I only received the XXXX  XXXX listed. The XXXX  XXXX did not require a signature to confirm delivery, which I understand is a requirement of actual credit non-payment letters. 

I checked my credit scores and they are all still " great ''. The debt is not listed anywhere but there is a XXXX XXXX on XXXX of the XXXX reports that in XXXX of XXXX SYNCB/PAYPAL did a credit checkXXXX XXXX XXXX XXXX XXXX  all show Clean Slate. XXXX out of XXXX reports show a clean slate on XXXX Inquiries. 

I have searched my email and bank account for Paypal payments or emails ( especially around XX/XX/XXXX ) and found nothing, and I know I have never set up a paypal account. 

Thank you
Product: Mortgage

My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX MN XXXX. 

This complaint is for the XXXX XXXX application process for Chase Bank. 
The Chase Mortgage loan in question is XXXX. 
The mortgage is in the name of XXXX XXXX XXXX. 
The mortgage property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. 

I am the mortgage assumption applicant who is trying to assume the mortgage in my mother 's name. The remaining mortgage balance on my mom 's mortgage is {$99000.00}. 

I furnished all requested documentation on XX/XX/year> to Chase. This includes all my financial history, my paystubs, my XXXX statements, my credit card statements, my saving account ( which in itself has {$90000.00} available ). 

Chase bank then requested additional information, again asking for bank statement since the last statement a new XXXX statement. 

I had provided them with that information on XX/XX/year>. 

In XXXX, 2024 they sent a 3rd letter asking additional information, which again now includes a request for more recent bank statements, XXXX and most recent paystubs. A repeated request for documents from the previous request, which I had already furnished. 

I truly believe Chase is out to deny the XXXX XXXX application purely based on tiring the consumer out. Because they don't want to approve the mortgage assumption ( since the existing mortgage is at a advantageous 3 % rate ) and most likely is just interested in selling my a brand new loan at current mortgage rates. 

At this point, it is apparent that they are delaying delaying delaying and asking for more and more repeat items just playing administrative ping pong with the goal of tiring the consumer out and ultimately denying the application for the lack of my " cooperation ''. 

The loan application is in active progress state and I will be providing the details they have requested in their last/3rd letter. 
Please assist with resolving this matter. I am still looking for have Chase favorably adjudicate my XXXX XXXX application. 

XXXX XXXX cell phone XXXX XXXX XXXX
Product: Mortgage

CFPB -- This pertains to new management as of XXXX/XXXX/2016 at CALIBER HOME LOANS in XXXX, TX at the Consumer Direct department. These are the various issues which should be investigated : 1. Change in pay structure for Loan Consultants ( LCs ) where they are NOT paid on loans closing. The LC 's name is listed on the loan but is not compensated. 
2. With the name of the LC on the loan, they are cut-off from the back end of the loan process where the LC is technically still liable for anything that might go wrong. 
3. This new management would allow for a Pricing Exception ( PE ) for the new hires they brought on board and for a family-related co-worker in XXXX XXXX. However the same level of PE was not made available to other co-workers who had been with Caliber Home Loans for a longer period of time prior to the start date of new management. 
4. This new management would hire on their own new contacts almost all under the age of XXXX and almost all Male ; conversely new management would disincentivize and push-out the older LCs who have been employed there for a long period of time. This is widely viewed as an act of nepotism along with age and gender discrimination. 
5. ***This new management terminated a Manager in XXXX XXXX on XXXX/XXXX/2016 without sufficient justification. This manager as a result was put on Administrative leave still accepting pay for an extended period of time since there was not just cause after further review with HR. 
6. ***This new management would also terminate long-standing Loan Consultants in XXXX XXXX prior to year-end 2016 who have a strong historical record of performance over a period of years at Caliber Home Loans.
Product: Checking or savings account

I deposited a check to my Chase Saving account in the amount of {$25000.00} in the form of Bank Check from XXXX XXXX on Thursday ( XX/XX/2023 ) hoping to put that money to a CD at Chase. ( Note : My account at Chase has {$100.00} in it ). The personnel at the bank said he will submit it immediately for clearance. Unfortunately, we got a call from the bank personnel on Friday saying that it was not cleared and that they will hold the money for 8 days. I have checked my XXXX  account Saturday night and found out the {$25000.00} was already taken. On Monday, I went to Chase Bank immediately with my wife at the XXXX XXXX  in XXXX XXXX to settle the matter. Otherwise, I will just withdraw or get back the money. Still, we were told we can not touch that money. More so, I was blocked in accessing my account online to check the balance. My big question is, why would they hold the money for so long? 

I hope you could help me regarding this matter. 

THANK YOU.
Product: Debt collection

Errors on the Credit Report : The balance of {$380.00} linked to XXXX XXXX XXXX is inconsistent. 

" Date of Last Activity '' differs across credit bureaus. 

FCRA Violation ( 15 U.S.C. 1681e ( b ) ) : The information reported by the creditor is inaccurate and incomplete.

Request for Validation ( 15 U.S.C. 1692g ) : Provide a detailed chain of title for this account. 

Include all documentation validating the debt.
Product: Mortgage

I am a realtor in the State of Washington. I represent a buyer who had an offer accepted on a short sale in XXXX, 2014 with Chase Bank. We do not have short sale approval. In XXXX we had an a BPO and appraisal and were told Chase would not counter and we were going to approval. To date we have not yet been approved. We are concerned Chase is stringing us along until prices increase and then will charge a high price. Other short sales in the building have closed already. We are worried this is deceptive business practices.
Product: Mortgage

I am contacting the CFPB as I am at my wits end and do not know what else to do. I have an FHA loan with Suntrust and my loan modification request was denied XX/XX/XXXX. The denial letter stated I was denied for FHA HAMP and FHA standard modifications because the investor decision was not received within 30 days. Which it hadnt even been 30 days because I submitted an updated modification request on XX/XX/XXXX and on XX/XX/XXXX, I was advised XXXX additional paystubs was required which I sent that same day. On XX/XX/XXXX, I was advised the file was complete and sent to the investor for a decision. The modification was denied on XX/XX/XXXX which is less then 30 days. I was then advised my only option is liquidation. I quickly appealed this denial and today, I was told the appeal was denied and still, my only option is re-instatement. My loan originated XX/XX/XXXX and my rate is 6.125 %. My monthly gross income which is based off my weekly paystubs is {$4000.00}. 31 % of that would make the proposed modification payment {$1200.00}. My current payment is {$1400.00} so there is still a small savings. I am not even asking for a lower payment, I am just begging this bank to acknowledge my major hardship and give me a chance to resume making payments so I can keep this home I love and need so much. My reason I fell behind to begin with was due to XXXX. I had been out of work for a few months while XXXX. When I was finally strong enough to return to work, I applied for a modification and I have been getting denied since. I have all the medical documents to prove all of this as well.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX 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 Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1200.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX 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 Balance XXXX : {$4500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have lived at my home for 13 years, my address on my credit report is correct. Dynamic Recovery Solutions added a {$63.00} collection account to my credit report in 2015. They have never attempted to contact me, but only put this debt on my credit report. I only learned of it because I pay for a XXXX score each month. 

On XXXX XXXX, 2015 I sent a letter to Dynamic Recovery Solutions requesting verification of this debt. To date, they have yet to contact me. Immediately after my original debt verification letter was sent to their company, this debt was removed from my credit report. Now, 9 months later, this debt has again been put back onto my XXXX credit report ( I do not know yet if the other credit bureau 's were contacted. ) I still have yet to receive any type of correspondence from Dynamic Recovery Solutions and have most definitely have not received verification that this debt is mine and that the amount due is correct.
Product: Credit card

On XXXX XXXX 2016, I was on a business trip in Illinois. I called XXXX XXXX, my flight carrier, to change my return trip to XXXX. I was originally scheduled to fly back the next day, but I wanted to fly back that same day instead, if there 's any flight available. The XXXX XXXX customer service rep initially said that there is a flight available on that same afternoon and she could change my reservation but a change fee of {$220.00} would be incurred. I said sure go ahead make the change. After she made the change and my Amex credit card was charged with the change fee, she came back and said that she made a mistake and the flight that she found was from XXXX to Illinois, not Illinois to XXXX. I told her to undo the change to my reservation and she did. My flight reservation was back to the following day as it was originally scheduled. However, she said that she 's unable to reverse the credit card charge and she will instead send me a travel certificate good for one year. That 's unacceptable to me since I have no plans to fly XXXX within the next year nor can the travel voucher be used for a non-XXXX flight. Since this is completely not my fault, I feel that anything less than a full refund to my credit card is unfair, which is why I immediately disputed this charge via my credit card provider, American Express. On XXXX XXXX 2016, American Express closed the dispute without sending me an explanation. Upon my calling their customer service center, I was informed that they do not have the ability to compel the merchant to reverse this erroneous charge and that since the merchant has refused to do so, I am liable for the charge. I feel that I am left with no choice but to appeal to the CFPB for help in this matter. Thank you for your attention.