23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is XXXX XXXX and I have a complaint about Wells Fargo Bank, specially my credit card account. I attempted to use my credit card, and it was denied. When I called Wells Fargo the representative stated I was sent a letter requiring I send my last years tax return to continue using the card. I asked multiple representatives why I needed to supply my tax return, and no one could give me a valid answer, including the personnel at the local branch. 

I pay all my bills on time and have an excellent credit rating. To be humiliated for a nonexistent regulation is belittling to say the least. The bank can make up their own rules and demean customers should be illegal. Nothing with terms and conditions when opening this account required that I give my tax return and it seems they are doing something shifty. 
Also, how can they suspend my account if I dont provide them with my tax return? It seems like a scam to me. 


Sincerely Frustrated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX PH : XXXX Email : XXXX Card # XXXX
Product: Checking or savings account

I have unauthorized transactions in XXXX and XX/XX/2023, the one on XXXX 2023 the amount was XXXX, and the one on XXXX, the amount was XXXX, I called Chase bank XXXX XXXX XXXX to file a claim on those transactions, the agency of Fraud department refused to file it, They only agreed to file claim on transaction which was settled earlier in XXXX in XXXX  by the same merchant according to Regulation XXXX. 
Since all the fraud transaction were through ACH, they need to follow the XXXX 'S 60 day 's rule as well, The XXXX period in the XXXX Rules determines which transactions can be recovered by the financial institutions in the ACH Network . Chase bank couldn't just do nothing and hurt their client 's benefit when they could stop those fraud transaction by XXXX 's XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights. 

Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX  Laws : 15 U.S.C 1681 section 602 A. States that 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested to have comments/ remarks removed from credit profile for purchasing of home received notification that request was completed but wasn't actually done. Had to call back and request same thing again and requested that it be escalated was told by previous rep that there was no one I can escalate my issue to and disconnected on.
Product: Debt collection

X/XX/16 advised original creditor i had been sick and lost job. i was advised that we could set up a more feasible plan to pay debt back. however, the account was closed despite verbal agreement we agreed upon and when I did speak with them to find out why i was advised the account was closed and would be handle by the collections department and since I did not know how to pay my bill my credit would be affected.
Product: Mortgage

Dear XXXX, XXXX house was sold and my loan was fully paid on XXXX XXXX, XXXX. XXXX is remained in my escrow account. This refund amount has not been paid to me. I called the mortgage company many times and they state that check is issued but can not verify when or even whether the check was sent. Somehow, they are holding the check and not sending the refund check via mail.. 
It has been over XXXX months now, and still receive similar response and no refund check is sent. I can not speak with any supervisor on the line and they continue to repeat that the refund check is issued. However, we have not received the refund check.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of XXXX I sent XXXX XXXX {$400.00} for a children 's bed. Not thinking that I would get scammed because I know her personally. I've contacted Capital One, XXXX and XXXX several times without hearing anything back. I've opened disputes and sent countless emails with proof that I never received what I paid for. I contacted Capital One again XX/XX/XXXX because I never received a call or email back about the previous dispute. Only to be told someone would be emailing me about the status. Today, almost XXXX years later I still have not received a refund or the item that I paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX  Account Docket or Bankruptcy Case # XXXX 1.XXXX Acct # XXXX 2.XXXX XXXX Acct # XXXX 3XXXX XXXX XXXX XXXX 4.XXXX acct # XXXX 5.XXXX XXXX XXXX XXXX Acct # XXXX 6.XXXX XXXX XXXX XXXX Acct XXXX XXXX 7XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX 8.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 a 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 adverse itemo of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s2 ( 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: Student loan

I have a student loan with NJCLASS, this XXXX loan has no issues and is being paid as agreed. On a separate loan, also with NJCLASS, has been placed in default and sent to a collection agency. The collection agency has been unprofessional and difficult to deal with. They have refused several requests by me of a itemized accounting of the monies paid to them by me. The next thing I recieved was a copy of a motion for judgement filed with the court. Shortly afterwards, I recieved a letter of which I was copied on requesting the court to withdraw their motion. When I attempt to communicate with them they treat me awful and threaten me with various types of actions, yet when I request documents they blatantly refuse to provide me with anything. I no longer feel comfortable sending payments that they can not provide an accounting for. I have contacted the NJCLASS and they have n't been able to provide any assistance regarding this issue. During the initial period of which they claimed to have mail bills and contact me regarding a potential default I lived a multiple addresses while trying to find permanent housing. It 's highly probable that if they did send me notifications I did not recieve them because I was without a permanent address for several months. I still am perplexed that while I maintained payments on the other loan, that they would have not been able to communicate that my other loan was in jeopardy, as I called in and those payments were made by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX. XXXX XXXX. 

my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Inquiries Credit Inquiries- Summary Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute letter in XXXX to remove inaccurate information from my credit report and it is XXXXand this account is still reporting on my credit report and i have not heard back from them
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I checked my Coinbase account and saw that approximately {$110000.00} worth of XXXX was missing from my account. I then checked my e-mail and discovered XXXX e-mail notifications from Coinbase sent/received on XX/XX/year> informing me that they were verifying that XXXX assets were transferred out of my account by me. I never authorized any of these transactions nor was I aware that they had occurred until 2 days later. Coinbase failed to send the usual verification codes to my cellphone and did not verify the new device that was used to transfer the stolen funds. I immediately on XX/XX/year> reported this unauthorized activity to Coinbase and has several conversations with various individuals on their " support team ''. Several of them agreed that the usual necessary verification process had not occurred, and XXXX of them assured me that my money would be returned after an investigation and approval by a higher level Coinbase associate. A few days later, I received an e-mail correspondence from the Coinbase support team absoving themselves of all responsibility for securing my account and blaming me for not securing my devices ( phone and computer ) properly. There were no breaches of security on my phone or my computer, which were in my possession at all times, nor did I receive any suspicious calls, texts or e-mails. I am extremetly disappointed in Coinbase 's handling of this theft of my assets and hope you will assist me in recovering them and holding Coinbase at fault as they clearly breached protocol security measures.
Product: Mortgage

Background : New Res Shellpoint Mtg took over the mortgage servicing of our loan from XXXX XXXX XXXX when we file for Chapter XXXX Bankruptcy protection on XX/XX/XXXX. We were behind on payments and included them in our plan. 

When the loan was transferred from XXXX  XXXX XXXX to Shellpoint on XX/XX/XXXX. Either XXXX  XXXX XXXX or Shellpoint didn't record our payment of {$3500.00} which was paid on XX/XX/XXXX electronically posted according to XXXX XXXX. 

This threw our payment history off for years. Until Congress passed the Morgage Servicing Act in April of 2018, I was unaware there was an issue. 

Finally after years and having to retain an attorney, Shellpoint found the payment. After weeks on end of calling, emailing, and being placed on hold. 

My Chapter XXXX Bankruptcy was discharged, XX/XX/XXXX Problem # 1, The Shellpoint Statements have been misstated since they began serving the loan. This affects our ability to provide documentation in order to refinance our loan. We are currently paying a high-interest rate. This materially impacts us financially because it is difficult to prove we have paid 12 months on time according to Shellpoint. 

I am trying to refinance and found out today, XX/XX/XXXX. Shellpoint has been reporting some of my loan payments as delinquent during active bankruptcy. According to my understanding, this is not legal. This also has a material effect on my husbands and my credit scores. 

We will be paying a higher interest rate to refinance due to their inability to service the loan properly. We have worked hard for ( 5 ) year only to deal with this issue, ugh ....

I have exhausted my patience. I didn't want to complain. I have spent years trying to straighten issues out with Shellpoint. I have spent hours on hold. Been hung upon. They rarely respond even after my Chapter XXXX Attorney gave them permission. It took them over two years to correct my statements. I provided a printout of all posted checks from XXXX and it still took them years. 

Finally, our XX/XX/XXXX Statement from Shellpoint indicates they are Charging me {$250.00} for my bankruptcy discharge. I have asked repeatedly, by what authority or agreement do they have the authority to arbitrarily charge me {$250.00} for ( Legal Fees ). I had no agreement with Shellpoint and this was not agreed to in our Chapter XXXX agreement. 

This is the worst company I have ever worked with. Our 2nd Mortgage Company is with XXXX now XXXX. We have had NO problem with them, their statement, or been arbitrarily charged legal fees when our Chapter XXXX was discharged. HELP
Product: Checking or savings account

At XXXX XXXX today someone from PNC called and said they were responding to my complaint. However they are sticking with their fake story. They refuse acknowledge their mistake. The only solution for me and all others who have been wronged by PNC. is to nvestivate them. And thats is the only way that they will correct their bad behavior and ripping of their customers. There is over 1400 complaints against them on XXXX XXXX Their practices are illegal and fraudulent and someone needs to check their transactions and bring charges against PNC. They need to appear in Congress before a banking committee. 
They will not change their behavior or acknowledge their errors unless actions are taken against them. I put in a complaint against them on the XX/XX/XXXX on your site.
Product: Checking or savings account

O N   XXXX  2017 AT   XXXX   XXXX   MY DEBIT CARD # WAS USED TO PURCHASE {$2000.00} AT   XXXX   XXXX   XXXX   IN  XXXX , TEX AS.     O N  XXXX 2017 WE CALLED  XXXX  POLICE DEPT., CASE #  XXXX .       ON  XXXX /2017 WE CALL MY BANK BBVA TO INFORM THE PROBLEM, BBVA CASE #  XXXX . THE BANK INVESTIGATED AND CLOSED THE CASE WITHOUT MY REFUND. THE BANK TOLD US TO CALL  XXXX  OURSELVES AND WE DID WITHOUT ANY RESULT. THE BANK ALSO TOLD US TO FILE AT SMALL COURT, BETTER BUSINESS BUREAU BY OURSELVES. WE FEEL THE BANK SHOULD REFUND TO US WITHIN 10 DAYS BY FEDERAL LAW. TODAY WE STILL HAVE NOT RECEIVED THE REFUND. THE BANK CUSTOMER CARE TELEPHONE # IS  XXXX
Product: Checking or savings account

Wells Fargo complaint # XXXX XXXX regarding my construction company account, XXXX XXXX XXXX Checking ending in XXXX & Savings ending in XXXX. I have been banking with Wells Fargo for nearly XXXX decades and currently have XXXX active accounts, multiple business accounts as well as personal accounts. I received a non certified letter last week stating my address was not current on file and my XXXX XXXX XXXX account would be closed. However the letter was addressed to my business and sent to my home address, which is the physical address on file associated with my account. I called and responded to the letter, suspecting it could be fraud since the business address has been the same since the account was opened in 2013 and no phone call, email or certified letter regarding my address was ever brought to my attention. The representative said the address was updated and the account had been set for closure but everything was in good standing and should be fine. Later that afternoon both the checking and savings accounts for my business had {$0.00} balances and the funds in excess of {$75000.00} were nowhere to be found. I immediately went to the branch and spoke to my banker who was shocked this had happened. He spent nearly an hour with me at his desk while he was on the phone with other departments trying to find the funds, why the accounts were closed and explaining the impact on my business. The outcome was appalling, the reason according to Wells Fargo for the account closure was that " the address on file was incorrect '', yet the letter was mailed to my home, all accounts were current, never had been in default and the representative ( XXXX ) on the recorded line told me the account was up to date. The bank would not release the funds to my other accounts and said they would mail a check within 15 business days to an unsecured mailbox, with no tracking information. My banker was shocked and filed the complaint ( # listed above ) on my behalf and agreed that Wells Fargo had committed fraudulent action. This has had a huge impact on my business as well as my clients missing funds, bounced checks, payroll, auto debit, office rents and the list goes on. I would like to pursue action against Wells Fargo for the negligence of business as well as the misappropriate handling of clients funds. Thank you for your help on this matter and please contact me for any documentation or questions. 
Best regards,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 3.Immediately block or remove all inaccurate information resulting from the identity theft. If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/XXXX mailed my dispute to them on XX/XX/XXXX they signed for it as of XX/XX/XXXX received no mail from them and my credit report doesn't reflect a dispute as of XX/XX/XXXX still received nothing from them and nothing is marked on the credit remarks about being in dispute
Product: Debt collection

Midland Credit Management continues to garras me by email and phone over a debt that is not mines. I have told countless times to them that I never had a XXXX XXXXXXXX account, and even contact XXXX  XXXX and told that this was fraudulent and they continued to sell to midland credit management knowing the account was fraudulent. I told Midland Credit Management to stop contacting me pertaining to this fraudulent account and they continued to put the debt on my credit report and continues to say its valid despite my requests for documents pertaining to this account so I can show the lawyer and take it to court.
Product: Credit card or prepaid card

Capitol One credit card. 
Was a guest at a XXXX for a wedding. My credit card got charged twice for my room. I disputed the charge and Capitol One removed it and had fraud investigate. The hotel claimed I had requested to pay for another guest 's room and refused to sign an authorization. They sent the other guest 's room information and I had never even heard of him. Capitol One put the charge back on my card. I contacted the hotel, who would not return my calls, then filed a complaint with the XXXX. I sent this documentation back to Capitol One and they once again removed the charge and re-opened the investigation. XXXX insisted I offered to pay for this room even though I had already told them I did not and I did not know the person they claim I paid for. At no time did anyone contact this person even though both XXXX and Capitol One had his contact information. Capitol One then put the charge back on my credit card, but they put it on TWICE. Phone calls and faxes have been ignored. No one is returning my calls. I have called the general fraud line and online chatted with customer service. It appears no one is allowed to help me, including taking off one of the charges that was put back on twice. Worst customer service ever.
Product: Vehicle loan or lease

In Accordance with 15 USC 1692g, OpenRoad Lending , LLC failed to comply with sections ( 3 ), ( 4 ), and ( 5 ) of the code. I did not receive a statement that gave me the option to validate the alleged debt, dispute the debt or information providing me with the name and address of the original creditor. The date of the alleged contract is XX/XX/2021 for a loan total of {$19000.00}.