23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is to notify PennyMac as well as XXXX that there is collusion between builder, title company, coordinated with legal. We received an auction notice contact the contact and he said that the second XXXX XXXX had already removed the foreclosure. It was a lie. There is a picture of one of the auction notices and contact info of who my wife talked to. 

We have been working through a loan remodification with PennyMac. ( Very helpful ) we had just made our first trial payment. We then received a notice for auction from a lawyer concerning our home. My wife contacted the individual on the notice and left a message. He called her back and she explained we were working with PennyMac on our first. He said that XXXX was the second but that they had already withdrawn their notice for auction. I spoke with PennyMac they said they had never received anything on or attempted a sale date. They said to ignore those complaints. We one the next month and agai I called. They said they had not received anything and not to worry. Then we got an eviction notice in the first of XXXX and now we have received a summons. Due in three days. We are currently in good standing with PennyMac and our modification as they were the first.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I was recently laid off from my job and, while reviewing my recent transactions due to a separate issue with Chase, I noticed an unfamiliar charge from XXXX. I reached out to Chases claims department and confirmed that this transaction was unauthorized. To my surprise, I learned that unauthorized transactions with XXXX had been occurring since XXXX, which I had not been aware of. 

After resolving the initial dispute, I found a discrepancy in the refund amount. Upon further inquiry, I was informed that claims could only be filed within 60 days of the statement date. Unfortunately, many of the larger charges I initially flagged were beyond this 60-day window. 

There are still four other fraudulent charges totaling {$850.00} that I was unable to dispute because of this time limitation. 

I understand the 60-day rule, but I assure you that if I had been aware of these fraudulent charges sooner, I would have addressed them immediately. I discovered them while handling another issue, and I feel deeply violated by this situation. When I initially reached out to Chase, no one mentioned the 60-day restriction. I only learned about it when following up on the additional charges. Although I requested an exception, it was denied, with the explanation that I was informed of this policy when I opened my account nearly three years ago. 

I am asking for some understanding and compassion in this matter. I worked long hours in a demanding job and rarely checked my account, so the oversight was unintentional. I hope you can consider my situation and assist me in resolving this issue fairly.
Product: Money transfer, virtual currency, or money service

I used Zelle to send {$300.00} to someone and the recipient never received it. Prior to speaking to the custimer service rep with Zelle it was pending after hanging up it showed complete. He remoted into my phone and said it was software related and installed XXXX app. Then he tried to transfer money from XXXX to 3 people that he said was his manager. At this point he I stopped him and asked what he was doing and he said give me a minute while I send a {$1.00} transfer to my manager. He asked me to login to my credit union account then he moved {$200.00} from saving to checking to send to XXXX XXXX. I told him no more just refund the pending wire transfer. He said he would need to send his manager the {$300.00} from Zelle then she would refund it. I hung up at this point. The money is no longer pending and they said it went to XXXX XXXX Bank but it did not. The money was transferred XX/XX/2022.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX. The supposed the bank representative, he tell me to go, to XXXX and he guide me how to do it. And I made it, because I trusted, the call comes from Chase Bank and he take {$4400.00} from my checking account. I submitted my concern to the bank and they can not give me de the money back. They start investigation.
Product: Debt collection

Hello : This is in regard to Portfolio Recovery. They claim, and have entered on my credit report, I owe them and/or XXXX XXXX, {$1400.00}. 

I believe this to be false, as I 've had many accounts with XXXX XXXX, and have paid them in full. Also, a date of XXXX delinquency of XX/XX/2008, which I 'm sure is wrong. 

Therefore, I 'm requesting validation of this account. Including but not limited to, a signed contractual agreement, with my signature, indicating my intent to pay this alleged account, plus proof of last payment date. In order to ensure true validation of last payment date, they are to include amount and bank on which last payment was drawn.
Product: Mortgage

Failed to complete employment verification in almost three months since I started loan application process. For two months we went back and forth about verifying and even though I told them several times they were contacting the wrong employer for verification they continued to make the mistake. I withdrew my application from the sheer amount of stress it was to deal with this company. They acted like my job and income was fake, not satisfied with loads of documents I sent them. Every time I talk to one person they want me to contact different department. Total lack of communication on their end. I am still struggling to get my good faith deposit returned to me. NOTHING ''quick '' about this quicken loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Wells Fargo. I notified Wells Fargo through Credit Disputes being filed against them, for fraudulent Credit Inquiries placed on my XXXX Credit Report by Wells Fargo. Proper Paper Work was filled out and turned in months ago, due to these fraudulent Credit Inquiries being placed on my Credit Report through Identity Theft -- - in which Wells Fargo is well aware of. Wells Fargo still has not removed the following Credit Inquiries from my Credit Report by notifying XXXX. Paperwork on my part has been completed for months. 
I am asking Wells Fargo ONCE AGAIN to notify XXXX to immediately remove the following fraudulent Credit Inquiries from my XXXX Credit Report. The identity thief or thieves have controlled my Wells Fargo accounts since the 1st week in XX/XX/XXXX, and basically continue to do so. And I am asking Wells Fargo within my FCRA rights -- to mail me the complete Credit File on each Transaction / Credit Attempt which resulted in ( 4 ) remaining Fraudulent Credit Inquiries on my XXXX Credit Report. 

Fraudulent Wells Fargo Credit Inquiries to be removed from my XXXX Credit Report. 
-- Wells Fargo -- XXXX XXXX XXXX -- Wells Fargo -- XXXX XXXX XXXX -- Wells Fargo -- XXXX XXXX XXXX -- Wells Fargo -- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please remove inaccuracies on my credit profile and please PER the FCRA 623 ( a ) ( 5 ) 'If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove information from the consumer profile.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. LEXIS NEXIS YOU ARE COMMITING FRAUD AS YOU NEVER THE LAW AND ARE COMMITINGFRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a
Product: Credit reporting 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, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2022 strange activity began happening to my banking account. Several unknown purchases were made. XXXX XXXX and XXXX payments were made to unknown personnels. This unknown person applied for a personal loan with my bank, using my name. I contacted the financial institution. We closed that account, recreated my login information, issued me a new card. An investigation was launched. On XX/XX/2022 I activated the newly issued card. Friday morning I was unable to login into my account. I called the bank they stated that they could not give me any information over the phone, so I drove a hour away to the nearest branch. At the bank I explained the situation. I reviewed the transactions with the bank rep. Again we closed the account, issued a new card and created a new login. Launched another investigation. The rep stated she couldnt provide me with any information about my accounts.Today XX/XX/2022 I am unable to login into my account. I contacted the bank I was instructed that I need to speak with the security team, who wasnt available today and that I need to contact them tomorrow morning. The person who I was speaking with was someone from the fraud department who wouldnt discuss anything with me. I strongly believe that someone from this banking institution is compromising my access. I have yet to receive any information from either investigation. I am left clueless, with no funds causing me debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I went in to my local wells fargo branch that is near my work on my lunch break to with draw money from a non-wells fargo account. I am a full time student and have a checking account run through my school where i receive my stundent loan refunds deposited too. Typically once my refunds are deposited i head over to wells fargo to withdraw the money and deposit the money into my wells fargo account because the bank from my school does not have any convenient atms and there are fees everytime i used the card. Well this was the first time i went to the wells fargo by my work and when i pulled up there was not a visable atm from the front. I went inside the banking center and asked the teller if there was an atm at this location and he confirmed there was one around the side. However the teller informed me that he could complete the transaction inside and i asked is it the same fees as the atm outside and he stated that they were. The teller then asked the associate next to him how to complete the transaction and the teller informed him to do a cash advance. I then asked are you sure the fees are the same as using the atm, the atm only charges me {$3.00} from my other bank and wells fargo charges {$2.00} because its a non wells fargo account. The teller reassured me they were the same. After the transaction was complete there was a {$17.00} charge on my account because the teller ran it as a cash advance. I went to the manager, the manager had the personal banker call my bank and my bank informed us theres nothing they can do. Its wells fargos fault for running it as a cash advance. I ended up being late back to work, the manager said he was going to call me and i have yet to be called. I was lied to, they wrongfully did a transaction that i did not authorize, and wells fargo stole {$17.00} from me. I asked the manager to either reverse the charge or reimburse me to fix the situation.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and notice that credit cards were being taken out in my name and I had no knowledge about the credit being given. XXXX XXXXXXXX XXXX has Issued to credit cards in my name back on XX/XX/XXXX account last four numbers XXXX with a credit limit of XXXX dollars and a balance of XXXX dollars, the account was closed on XX/XX/XXXX and the last payment was made XXXX. I nerve applied for a card from this company and would like it removed from my credit report. 
This credit card account last XXXX numbers are XXXX issued by the same company listed about on XX/XX/XXXX with a credit limit of XXXX dollars, with a balance of XXXX dollars. The last payment date was XX/XX/XXXX, and a closed date of XX/XX/XXXX. I would like the credit issue removed from my credit report. I was never issued credit by this company in XXXX. 
This next credit card was issued by XXXX with the last four number of the card being XXXX. Issued on XX/XX/XXXX, with a credit limit of XXXX dollars, and a balance of XXXX dollars, last account activity on XX/XX/XXXX and a close date of XX/XX/XXXX. I never applied for this card, and would like this matter removed from my credit report.
Product: Checking or savings account

Please be advised that on XX/XX/2020 we became victims of a fraud. 
While checking my emails in the morning I noticed an email from Citibank notifying me of a XXXX transaction of {$2000.00} to XXXX. Right away I logged in into XXXX and I noticed the transaction, however the balance of the account remained unchanged. Later on was apprised that this transaction was a failed attempt. We did not authorize this transaction. 
I called customer service right away and I have been told that there was another transaction for {$2100.00} to NAME WITHELD. This one went through. We did not authorize this transaction either.

My account was blocked and when we went to the brunch to open the new account we were also apprised that the phone number on record was different. XXX-XXX-XXXX is not a number associated with our phones. We do not have any contacts associated with aforementioned phone number. We do not know anyone by the NAME WITHELD We did not do any business, purchases or any interactions whatsoever with anyone by that name. 
We had our debit and credit cards and phones in our possession on all times and obviously we did not share out credentials with anyone. 
We DID NOT authorize the transaction for {$2100.00} on XX/XX/2020 We DID NOT authorize the transaction for {$2000.00} on XX/XX/2020. 
We have been Citibanks loyal customers for over 20 years. We always believed that our money were protected in our bank! 
We filed the police report for the crime of grand larceny. The copy of the complaint is attached. 
We are asking Citibank to fully investigate our claim diligently and to credit our account for {$2100.00} stolen from us.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I went for a loan at title Max on baseline in XXXX to take a title loan out on my XXXX, then offered {$750.00} on a car that I paid {$20000.00} for. I made my first payment yesterday of {$110.00} and they are saying I still owe {$760.00} on the loan charging a rate of 179 % apr and 14 % monthly interest. This way I would end up paying them {$2800.00} on a {$750.00} loan over a period of 23 months. This is predatory lending! I would never get it paid off this way they arent applying the money Im paying towards the principal, only to the interest which they are charging, which is more than the Arizona law states they are allowed to charge
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : Also, states a consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting or other personal consumer reports

The lowered my FICO score for no legitimate reason from XXXX to XXXX, and they refuse put it back to at least XXXX.
Product: Checking or savings account

I filed a complaint with you in XX/XX/XXXX under XXXX. N26 responded to you stating that they needed information, but this was information that I had sent to them multiple times. They have all the court documents and everything they need, but they continue to not reply and give me the runaround. I have provided all instructions multiple times to get this check sent to me to deposit into the state account. I have been trying since XX/XX/XXXX to get this check from them. They sent me an express letter stating that there was a check sent to my deceased brother 's old address and the check was never cashed. They just responded to your office to get you to close the case. This is the 2nd complaint I making to you about the same matter. I have proof that I have sent the same documents to N26 that I have sent to other banks to close my brother 's accounts and remit funds. Please refer to my initial complaint under XXXX and ask N26 why haven't they sent the check to my address. If they come back and say they sent it to the address on file, that makes no sense because my brother died and that address is not valid. I also have mail forwarding in place to get his mail. I sent emails to N26 after I sent the first complaint to you and they still have not replied. They are just playing games. Ask them for proof that they sent me the funds for my deceased brother with a date in XXXX. Let 's see how they stall the process again. I provided them with a Letter of Instruction and a court order from probate court which allows me to provide directions on how to handle my brother 's account and any remaining funds. 


Here is an email I got in XXXX after I sent them the requested documents again. I have not seen anything and they have not replied to my emails. 

On Monday, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, N26 XXXX XXXX XXXX wrote : N26 Hey, This is just to let you know that your request has been received by the N26 team supporting former US customers . You should expect to hear back from us within three business days. Our Support team works Monday through Friday. 

Thank you again for being a valued N26 customer. As you've been notified over the past few months, N26 products are no longer available to customers in the US and all accounts have now been closed. Our customer support team is still on hand to help with the transition. 

If you had a balance of more than {$1.00} at the time of closure on XX/XX/XXXX, we will be processing a check for the remaining funds in your account and mailing it to the address on file associated with your account. 

Any incoming deposits ( such as paychecks ) or external bank transfers will bounce and be returned to the senders account. You will need to contact your employer and find an alternative method to receive the payment. 

Please note if you are a customer from the XXXX, please email the XXXX team at XXXX 

Kind regards, N26 Customer Support Team
Product: Student loan

I have already submitted a complaint about XXXX/Navient. I remembered another piece of information about how they treated me unethically. Since they would n't offer me any type of solution to reduce my payment ( I was behind on payments because I could n't afford them and they would n't help me ), they did offer me to take my past due balance of over {$2000.00} ( That 's just from a couple of months of missing payments ) and they would reduce it to {$0.00} so I would n't be defaulting, but they were going to capitalize it on the principle balance. I also discovered looking on my Navient account history that when I had only been out of XXXX school for 6 months, they already capitalized over {$9000.00} on to my principle! XX/XX/2008 Capitalized Interest {$9900.00} I graduated XX/XX/2008