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

XX/XX/2021 to XX/XX/2021 I have multiple screen shots and bank statements that prove cash app or square inc took XXXX from my account over a month time frame.. which XXXX is unaccounted for according to their statements and my transactions. I have repeatedly tried to get ahold of someone since XX/XX/2021. I haven't had a response or even got to talk to someone. This isn't fair im going to school getting my bachelors in XXXX. I graduate next year I work hard for my money and don't bother anyone.. they shouldn't be allowed to take our money ... transactions to statements still doesn't add up.
Product: Mortgage

I did a loan modification and after a long struggle finally got approved just to find out my account was sold to another mortgage company named Shellpoint. I was never notified by XXXX XXXX selling my account to another company. Now I'm being told by this company that my escrow is negative and I need to pay the balance as soon as possible or my payment will increase again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to consider my complaint about US Bank and their partner Elan. My wife, XXXX XXXX, and I requested this account be closed multiple times via phone, but it was never actually closed. The account was not be used or monitored by either XXXX or XXXX XXXX as it was presumed closed. The issuer allowed an annual recurring charge to be charged to the account, even though there had been not activity for 12 months and a new XXXX number had been assigned which was never activated by us. 
I called to dispute multiple times but the account status was not clear for several months, due to sale of the Fidelity credit card portfolio by XXXX XXXX  XXXX to another issuer. Finally, after extreme frustration in the dispute, we decided to pay the balance given the low dollar amount of {$51.00} and avoid charge off. Account activity over the time period from XX/XX/XXXX - XX/XX/XXXX supports this explanation. 
HISTORY : ' Account opened XX/XX/XXXX, regularly used with high credit limit of {$25000.00}, with no payment delinquencies until XX/XX/XXXX ' In XX/XX/XXXX, account balance was {$0.00} and called to request the card to be closed. We stopped monitoring the account. 
' {$39.00} annual fee was charged in XX/XX/XXXX, but went unnoticed until XX/XX/XXXX when it was paid in full ' In XX/XX/XXXX, I again requested via phone for the account to be closed and again stopped monitoring ' There was no activity from XX/XX/XXXX until XX/XX/XXXX, when another annual recurring fee was charged to the account ' Again, given that we thought the account was closed, we were not monitoring ' When I discovered the account was still open and another charge had been allowed I called to complain and dispute. There was some confusion by the servicing agent given the accounts were in transition from XXXX XXXX XXXXXXXX to another issuer { due to portfolio sale ) ' Finally the account was closed in XX/XX/XXXX at my request. I presumed the charge had been reversed. 
' Upon receiving notification that there was still an unpaid balance in XX/XX/XXXX and, given my level of frustration with the matter and the time required to resolve, we paid the balance of {$51.00} in XX/XX/XXXX and ended the matter. 
- In XX/XX/XXXX, I disputed the charge through XXXX and USBank updated their credit report incorrectly to show that the account was not closed until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX and XX/XX/2021 I became extremely XXXX with XXXX. I was hospitalized in later XXXX to early XXXX, then on XXXX XXXX, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX  for my XXXX because I am XXXX. In XXXX I had a XXXX  and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.
Product: Credit card or prepaid card

contacted PayPal in Fall of XX/XX/XXXX advising that I had received a statement advising that I had a credit card with them with a past due balance. I contacted them right away, took several representatives to get escalated to a manager as no rep would open fraud for me stating i had used the account and there was a pending balance. I kept explaining to them I didn't open the card and that I had no idea I even had a credit card with them. I confirmed I do you have PayPal account, however all of my transactions have been paid through my debit card with my credit union. Finally the manager confirmed that he would close out the account as fraud, I would receive a letter in the mail with the details. Several weeks later I did receive the letter from PayPal stating the account was closed out in regards to fraud and that within 60-90 days ( can't recall exactly ) the account  would be removed from my credit report. 
In XX/XX/XXXX my employer pulled my credit ( as they do every year ) and I have a collection showing as of XX/XX/XXXX through XXXX collection company for the PayPal account. I immediately checked the PayPal account on the credit report and it's showing a charge off account. 
PayPal turned me over to collections months after the letter was received advising the account was closed out as fraud and credit reporting agencies would be updated. 
I now have to go through the dispute process with the collection company which will take 90 days before I can obtain any documentation from the collection agency in regards to the outcome of the dispute. 
I am currently on the phone with PayPal again. I have spoken with a rep, a manager, fraud, and now their investigation team has to further look into it. 
This issue can effect my job, if not cleared up it's in my job contract to receive disciplinary action if my credit is not clean. This not only effects my credit negatively for the credit card that I didn't open, I am now being penalized for the collection account that is showing and negatively impacting me. 
Still to this day, they can not ( or will not ) provide me with the dates of the purchases or any transaction history for debt that is being negatively reported on credit in my name. 
XXXX ( employee ID XXXX ) an account manager states multiple times that I can't speak with anyone above her. After going round and round and round, she finally said her manager would review my account and IF he felt that he needed to reach out to me he would, however the soonest it would be is 72 hours. I asked for his employee ID and contact info and was refused. I asked to hold until he was available and refused. I asked to be called back by said Manager regardless to whether he felt " he needed '' to and was advised he would only call back should he feel it was needed. 
I advised I would be completing a complaint with CFPB in regards to this issue and would encourage her to provide me direct access to her manager and was again refused.
Product: Mortgage

I called FCM as I was attempting to get placed on Bi-weekly payments. I'd waited to submit payment since I'd prepaid my mortgage to be sure that I could enroll... There was an issue enrolling in bi-weekly payments & I've got some late fees that I still disagree with. 

I placed a payment with the person on the phone on XX/XX/2024 to be current and was told to call in XXXX for the next payment to process - unbeknownst to me- the payment being as large as it was, bounced in my account. The funds are there. They payment bounced on XX/XX/2024 with no notification being sent to ANY of my communication devices - email, phone, text, ie. I received a generic call ( see attached for transcript ) on XX/XX/2024. Seeing as in the past - these have sometimes been sent by mistake, I ignored it. I've logged in to pay my next months bill only to find the payment has bounced AND I've been accessed a late fee- this will involve me again going through a phone call to work with the agent to get my loan current & I've been dinged on my Credit as they've already processed a late payment on my Credit History. 

How would I have known!?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act the list of the accounts below has violated my federally protected consumer rights the privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX .
Product: Mortgage

RE : WELLS FARGO PROBLEM : UNWILLING TO HELP/HANG UPS/THEY DO NOT LISTEN ANSWER : HELP ME SPREAD MY ESCROW TO SOMETHING MANAGEABLE The dates are to many times as I have not kept this in order.

But today I called and finally getting through to a rep after I stated the 24 months is not enough help I need a 36 month spread. I was told that they will complete the 24 month spread and submit the request for the 36 month. Before the call was completed the rep HUNG UP?

Then I called back again and got a rep XXXX she just was not listening to what was being asked. She played like she did not know what I was saying? Again I told her I need 36 month spread, soon as I stated that she goes right into saying ok I will complete the 24 moth spread? What the heck people? I never said that. So because she was not trying to listen or help I then escalate the call to a manager. XXXX XXXX was her ID. 
She to again refused to help me and then played like she did not know who the CFPB was when I stated I will be filing the complaint because my Mortgage Company does not want to help me? Why I don't know. So PLEASE can I get help? Do not hang up on me help me with the problem. I am trying to keep up and not fall behind on my payment but I just need help with the escrow spread to 36 months. I never asked for help but I am now.
Product: Debt collection

My name is XXXX XXXX XXXX, XXXX federally protected consumer. I am making this complaint against WELLS FARGO BANK N.A. for violating a cease and desist notice received by them on XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I am aware only of and not limited to, the clever fraud being guised under subtle nuances and subtexts that I will be addressing in this response to an unsatisfactory reply that was received by myself on XX/XX/2022. As it currently stands, I have sufficient evidence and reason to believe that under direct violations of 15 USC 6801, GLBA, 15 USC 1681s-2, and other FCRA binding laws, WELLS FARGO BANK N.A XXXX IS CONSPIRING TO COLLECT A DEBT THROUGH THE USE OF EXTORTIONATE MEANS BY FURNISHING NEGATIVE INFORMATION TO CONSUMER REPORTS AS PUNISHMENT FOR NONPAYMENT THEREOF. UNDER THIS TITLE, 20 YEARS OF IMPRISONMENT IS THE FINE THAT WELLS FARGO BANK N.A. WOULD BE FACING. I have attached my response and resolution letter, a Cease-and-Desist notice, Exhibit A, which is a copy of XXXX reporting on my consumer report, an FTC report labeled Exhibit B that will be used when filing for litigation in Federal Court to this complaint , and Exhibit C, the company 's response to my original CFPB complaint # XXXX. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WELLS FARGO BANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and WELLS FARGO BANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and WELLS FARGO BANK will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, resulting in the fraudulent use of my personal information and unauthorized charges on my credit cards. The impacts of the data breach that compromised my information and the repeated unauthorized transactions that occurred before I discovered and acted on the issue have caused XXXX. I began noticing unusual activity in my financial accounts. At first I dismissed a minor transaction as a potential error. However over time the unauthorized purchases escalated and I realized that this was not an isolated incident. Upon reviewing my credit card statements and online transactions in detail, I discovered SEVERAL charges that I did not authorize. The lenders and credit bureaus sent the results of my " closed dispute '' stating that the balance owed to the company is correct. Again, my accounts were compromised. In turn I am filing this complaint because the information on my credit report are inaccurate which negatively impacts my score AND my " debt '' was sold to a third party debt collector without my permission. Today, I started a dispute with the FTC and I trust that they will assist in safeguarding my rights and preventing further harm to myself and others.
Product: Mortgage

I own a home that I am having a difficult time paying the mortgage on, I have tried several times to file for hardship towards the home and have filled out all the documents to the best of my ability. I have submitted and resubmitted all the required documents prior to the deadlines and each time I am told I have missing documents. I 've mailed in the documents, scanned and emailed the documents and they still do not reach the right person or department and then I am denied assistances. I am NEVER able to speak to the person requesting the documents directly I am always told they are NOT available. When I file complaints then I get nasty letters stating I am a liar and that my complaint is baseless. I can not get this my mortgage company to help me in any way. I am about to loose my house, the renters that where in my home skipped out on 2.5 months of rent putting me in a bind. I am currently only working XXXX part- time jobs and can not make up the missing monthly payments so I applied for hardship. I do not have a phone as I am unable to pay for a cellphone or monthly service. I am living paycheck to paycheck and am so tired of the run -around. I need help, this company does not want to help or allow me to seek help and I am out of options to do anything anymore. My credit is in the toilet I have no savings, no hidden money or agenda I need help and all I am getting are doors slamming shut and I am sorry you do n't qualify. My mortgage company refused to help nor can they find any of the documents I have emailed and mailed to them. They claim I never did and I can show that I did. Can you help me?
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A friend owed me money and wanted to pay me in Bitcoin. I accepted a created a Coinbase account to receive the Bitcoin. I created this account, received the Bitcoin, and made a bank account so I could attempt to withdraw the Bitcoin. They are holding my Bitcoin hostage until I am XXXX. Custom Service claims when I was signing up I was warned I had to be XXXX but I recall no such warning, and they let me sign up with the birthday XX/XX/XXXX. This birthdate would make me XXXX. I have {$230.00} in this account and by the time I turn XXXX in a year and a half it could be {$0.00}.
Product: Bank account or service

US Bank, unauthorized, paid a {$470.00} bill via my checking acct bill pay to a different bank and acct #. They acknowledged mistake but their bank is too big without proper leadership to be able to correct their problem - which became mine. My perfect credit rating is now at risk, I ca n't pay the correct biller because US Bank 's bill pay is corrupted. They have no accountability nor proper customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

MyXXXX XXXX was transferred on XX/XX/XXXX to Nelnet in the amount of {$8000.00}. On XX/XX/XXXX I paid Nelnet {$4000.00} and the remaining balance of {$4000.00} on XXXX. To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. 

I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once Nelnet reports that the balance will fall off my report. However, I last spoke to Nelnet on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. As of XXXX when I last spoke to Nelnet they state that they have reported to all credit agencies. The report is not reflected on my XXXX report. The Nelnet XXXX  XXXX  advised that there was nothing they can do to further assist me. 

I have also disputed this balance 4 times and everytime the credit agency sends back that the balance is correct. The XXXX stated that there is nothing they can do even though I have provided all the proof. Nelnet states there is nothing they can do because they have reported the XXXX balance. I am stuck between these 2 companies and need help resolving.
Product: Credit card

Hacked my bank ( USAA ) and had a credit card sent to the XXXX. The email of this person was XXXXXXXXXXXX, I know this because he changed my primary email to his.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX 15 U.S.C, 1681section 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 XXXX  years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

NATIONAL CREDIT SYSTEMS at XXXX XXXX XXXX, XXXX, GA XXXX or ( XXXX ) XXXX {$5900.00} to {$1900.00} Since 2014 I have been charged an enormous amount that a debt buyer purchased without a thorough investigation. I have been calling a couple of times per year to get this resolved with no avail. A dispute with XXXX was recently modified but no actual changes to the amount was completed. The apartment complex actually sent me an email and tried to reach out to national credit system but XXXX wasn't trying to mitigate the situation. I reached to speak with him several times. The last time he placed me on a 45 minute hold when I asked to speak to a supervisor. The amount should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Also, the creditor of this account, which is XXXX XXXX XXXX confirmed that they do not have any physical proof, a signed document with my signature on the account. 

Not only that, they also confirmed that my SSN was added to the account only in XX/XX/2019, which is IMPOSSIBLE as I have been disputing the account for over 1 year and XXXX XXXX XXXX did not have even my SSN on records at the time of the application, which again, could have been ANYONE who applied in my name online.
Product: Money transfer, virtual currency, or money service

This is the fifth complaint I have filed on this matter and nothing has been resolved just a lot of finger pointing. A wire was sent to a non existing account at XXXX XXXX  for {$6300.00} on XX/XX/year>2024. I have attempted to have Chase Bank resolve this issue over the last 3 months. I have filed 4 complaints. 2 with XXXX and now my second with Chase. This issue is still not resolved. Chase informed me that they made over XXXX attempts to contact XXXX Bank. I filed a complaint with XXXX and was told that Chase Bank never contacted XXXX regarding this wire. The money never went into an account so it is sitting there and I need it recalled so it can be put back into my account. XXXX ID is XXXX Unique ID XXXX. This was the response I received today from JP Morgan Chase : Thank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below. We sent the wire transfer for {$6300.00} on XXXX XXXX, 2024, from your account ending in XXXX, to the account specified in the wire instructions we received. We XXXX rely solely on the account number provided and we are not obligated to identity any discrepancies between the bank, the account number, and the name. We submitted a wire recall request under case number XXXX, on XX/XX/XXXX. We sent multiple follow up XXXX messages to the receiving bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about the recall request, but we did not receive a response. We also sent a XXXX message on XX/XX/XXXX to the receiving bank for a credit confirmation. We received a response on XX/XX/XXXX that no matching transaction was found. The wire research case is considered resolved. If you would like for us to contact the receiving bank again, please call our XXXX XXXX XXXX at XXXX to reopen the case. We also sent a Hold Harmless letter on XX/XX/year>2024, and we made a follow-up call on XX/XX/XXXX ; however, we have not yet received a response. A response can take up to 90 days. 

I just heard back from XXXX that I need to open a new complaint and that Chase needs to pursue more aggressively. I have also gotten my attorney involved. Please let me know to whom he should address correspondence to regarding this matter.
Product: Mortgage

I spoke 3 different times with representative in charge of my account about refinancing my loan into a VA loan. Initially he stated that the company does VA loans and I received confirmation by the VA department that my mortgage lender is in their list so I requested to start the process but representative refused by stating that his company doesnt do VA loans completely different statement from initial conversation, so he offered to put me in touch with the vice President of the company to discuss procedures on the same day but the call never came through so I called representative the following day to let him know that the vice president never called and I followed up by calling representative for three consecutive days about the phone call from vice president and his replies was not knowing the reason from the vice president not calling me. Im a service XXXXXXXX XXXX  looking to refinance my house into a VA loan now in danger to foreclosure and need assistance