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

Between XX/XX/XXXX and XX/XX/XXXX, a total of 38 unauthorized transactions totaling {$17000.00} were posted to the Wells Fargo checking account of [ Account Holder ] and [ Spouse, joint-account co-holder ) ( henceforth " Respondent '' ). This was the checking account through which Respondent accesses retirement savings. Each of the postings were made by a merchant using the label " XXXX XXXX '' or " XXXX XXXX ''. The withdraws were never authorized by Respondent, and in no case did Respondent gain anything of value from these transactions. In other words, the withdrawals were completely fraudulent. 

Wells Fargo was notified of these transactions on or around XX/XX/XXXX, the date of the last transaction, and on XX/XX/XXXX, after what Wells Fargo deemed to be a complete investigation, XXXX XXXX, in her capacity as Financial Crimes Manager, decreed that Wells Fargo would only reimburse Respondent {$7900.00}, fully {$9200.00} short of the total. 

Respondent acted right away to mitigate losses once the theft from his account was discovered. The theft was concealed because the cyberthieves were using an " XXXX XXXX '' charging ID, which concealed for a time the theft from REspondent because of its proximity to the name of the XXXX XXXX Company accounts he ( meaning Respondent and Joint-owner/spouse ) owns. The theft came at a time when the Wells Fargo account of Respondent had XXXX dollars of deposits or more per month, and so was also concealed because of the incremental amounts in which the {$17000.00} dollars was stolen from their account over thirty-eight ( 38 ) transactions. 

Respondent and joint-owner/spouse, both working professionals, were on periods of extended travel during some or all of the periods during which money was withdrawn. 

Wells Fargo is a sophisticated entity and they are tasked with protecting the money of Respondent. In failing to monitor and identify fraudulent activity after 38 uncharacteristic and fraudulent transfers, the bank failed in upholding its fiduciary duty to Respondent. The Bank had over 30 years of financial data for Respondent and Spouse to work with that would have helped make this identification had the Bank put in even a reasonable amount of oversight into the account. Moreover, Wells Fargo under FDIC 1005.5 should have allowed a grace period for Respondent and joint-owner/spouse to make a complaint about stolen funds, owing to their travel during most or all periods that the 38 transfers were taken out. Finally, it should be state that the Bank 's lack of communication on this issue is particularly concerning given Respondent and Spouse 's amount of capital stored with Wells Fargo bank. It is almost as if Wells Fargo Bank thinks it can simply steal the money and not be held liable for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit and found an unauthorized account and many unauthorized credit inquiries. I did not GIVE anyone permission to pull a copy of my credit report.
Product: Mortgage

InXX/XX/2020 - we were in the process on finding another Home Insurance provider - we secured another insurance company XXXX XXXX XXXX XXXX - We secured the new insurance byXX/XX/2020 - the month in which Freedom Mortgage paid our insurance premium to the new company. The new payment was {$880.00} - compared to the old payment to XXXX XXXX of {$2300.00} - a {$1400.00} difference. Yet, out mortgage payment did not change - I called Freedom Mortgage to inquiry about this as we had received a NOTICE from them on Friday - XXXX XXXX - informing us that if we did not have Home Insurance - they would select one for us -and it could be at a substantial cost increase. Thus, I called today,XX/XX/2020 - to clarify that we had " new coverage '' that should have been informed of -via the new insurance company. They had been and their agent - XXXX ID # XXXX - assured me that they were sending another Notice out to us stating they had been informed and all is fine. I then inquired about the lack of change in our mortgage payment to reflect the change in our insurance premiums. She indicated she would put in an inquiry for me on a Mortgage Analysis and I asked why had such not been done when there was a substantial difference in what had been paid out from our Escrow account inXX/XX/2020 She could not answer that simply stating she would request the Analysis. She then went on to inform me that a Analysis had been done last year and our Escrow was {$120.00} short - which was added to our mortgage. My husband and I were not aware of that and did not authorize them to roll any additional amounts into our mortgage. {$120.00} - shortage we would have paid in one additional payment. She could not explain - how it was just added to our mortgage or Escrow account without our authorization as the clients. Additionally, I inquired if they ( FM ) can just add an amount to our mortgage or Escrow account without our permission, Then why is the opposite NOT true when there is an over balance in Escrow - as what would have occurred in XX/XX/2020 - since our taxes did not change and our home insurance was significantly less. Thus,. my complaint is that our Mortgage payment has not changed since XX/XX/2020 and there is or should be over! XXXX left in our Escrow account - since XXXX - It is not XXXX - XXXX payment is due and it has not been altered in any manner to reflect the adjustments to our Mortgage payments that should have occurred in XXXX or by the XXXX payment. Is there some ethical or legal obligation from the Freedom Mortgage to inform us and return the balance to us - when our Escrow account had an overage of over {$1400.00} and yet, the charge us {$120.00} + interest on what they claim is an under payment to our Escrow account. That does not seem ethical or legal that Freedom Mortgage can retain our excess Escrow payments without any notice to us - unless we request a Mortgage Analysis. The over payments are monies we paid and should be repaid to us with interest. And I still question the company 's ability to put a underpayment of {$120.00} against our loan payment - or Escrow payment without our consent.
Product: Debt collection

Concora credit recently three months purchased my closing account with XXXX XXXX XXXX. The company has harassed me with calls and emails asking me to pay the balance, or how I would like to pay my balance. I have a letter of a woman named Genisis, who I explained to to when I first learned this when they called me. I received a letter from them saying that my account has been closed. I also got a notice that they still owe me a credit of XXXX dollars. However, nothing has been adjusted by this company. Im overwhelmed and feel very violated of my rights as a consumer. That a scam, fraud and financial exploitation is occurring. This must stop. There are making false reports to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
ACCEPTANCE NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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 XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I made a purchase at a local appliance store in the amount of {$760.00}. The store gives a one-year warranty with each purchase. After a short period of time, a couple of weeks, the refrigerator became unusable. I reached out to the store to ask for a technician to be dispatched to look into the issue. After several calls to the company, they did not send a technician, and so I disputed the charge with my banking institution, SoFi. SoFi assured me that they would look into the matter, and that it would take ninety business days from the date of the dispute to resolve this issue. Today, XX/XX/year>, I called to receive an update, in which they advised me that there was no wrongdoing on the business 's part and that the dispute for the product would not be honored. This product is faulty, and the company will not honor their warranty. SoFi is siding with this vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is for XXXX XXXXAccount being reported incorrectly as potentially negative but its been paid and closed.Reporting should not reflect it as negative
Product: Student loan

I have a Federal Perkins Loan. Each year, I submit a cancellation application to XXXX University because I am a teacher in a low-income district. I have been doing this for six years. In XX/XX/XXXX, I was notified that a payment was due to ECSI Heartland and that my loan was now being serviced by them. I contacted them by phone, email, and mail and never received a response. I was given a ticket number by them, and they admitted to me that they did not respond to my claim that my loan is in cancellation. Last month, I was notified by my credit monitoring company that a missed payment was reported by ECSI Heartland. I immediately got in touch with a supervisor and she told me she would handle the negative credit reporting. It has now been three weeks, and nothing has been resolved. My account is still delinquent, the negative credit reporting is still on my account, and no one has been able to answer any of my questions regarding cancellation, including the supervisor XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I want charged every month for credit repairing.. I credit is still considered bad
Product: Checking or savings account

1 I received a debit card in the mail with a number on how to activate it 2. Since I did not open this account, I attempted to contact Chase Bank 3. I then received a notice that the account was closed by Chase because my credit was inadequate. ( my credit rating is above 800 ) 4. I made two phone calls to Chase to report this problem and to try to receive an explanation of how this account was opened. Chase refused to provide this information. Eventually they said not to worry and just cut up the debit card and that would be the end of it. 
5. that was an inadequate response since I am fearful that I am a victim of identity fraud. I cut up debit card and trashed the correspondence. 
6. I then received a XXXX XXXX letter saying that Chase was closing the account that I did not open because I had failed to give them information. Now I'm worried about my credit rating. 
7. By additional letter dated XX/XX/XXXX Chase informed me that they denied a charge on the account to XXXX. 
8. Now Chase has sent me a check for 200 + dollars which according to them is the final balance in the account.

I AM BEYOND FRUSTRATED. I SPENT THE BETTER PART OF 2 HOURS TRYING TO RESOLVE THIS COMPLAINT AND PROBLEM ... ONLY TO BE TREATED LIKE A CRIMINAL BY CHASE.
Product: Credit reporting or other personal consumer reports

On my credit report there are two accounts that show charged off. When I called the company to get a copy of my 1099c to report the income. The company told that the account is not charged off when its clearly stated on my credit report. One account ending in XXXX and XXXX both has this under status ( Account charged off. {$560.00} written off {$530.00} past due ) ( Account charged off. {$950.00} written off. {$950.00} past due ). What was told to me by the company is different from what is being reported. I want both accounts removed from my credit report for incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft on my credit record
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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  Balance : {$0.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

When I provide the correct username and password to the PayPal.com website, then the website no longer allows me to view my account, but now routes me to a webpage titled " Add your phone number. '' It warns " This helps us prevent fraud and reach you if theres ever an issue. '' It explains " By providing your phone number, you give us permission to contact you about your branded PayPal accounts using automated calls or texts to service your accounts, investigate fraud, or collect a debt, but not for telemarketing. If you dont want to receive automated calls or texts, you can change your preferences in your account settings at any time. '' When I input my phone number that is associated with my PayPal account, I get an error message that says " This type of phone number isn't supported. Check your number and try again. '' In sum, the PayPal webpage will not allow me to use their chat feature because login is required. I have called PayPal twice, speaking to their customer service and their tech support, but they verified that multi-factor authentication is turned OFF on my account and simply told me to change my password, which I did, but the error message persists. Therefore, it is an unfair for PayPal to require me to provide my phone number in order to access my account and simultaneously reject my phone number associated that is with my account, especially while multi-factor authentication is turned OFF on my account.
Product: Debt collection

A few years ago I leased a vehicle from Ford, and upon the return of the vehicle they mentioned that I will have to owe some money due to over milage and some damage to the car. I was totally fine with that, and knew that was something I would have to be doing. As i closed my account with them I gave them my new contact information as I have moved and got a new phone number. They said 'Corporate ' will bill me after they take a look at the vehicle. 2 years later I find out I have a delinquency on my credit report because I got a notification from XXXX that my perfect credit score of XXXX went to XXXX overnight. I research even more, I call ford and ask what happened, and they said " your case is with a legal team now '', I called the third party law firm, and apparently they have been trying to contact me for 2 years and I didn't hear a thing. The only reason i called them was because of my XXXX report that they jsut posted to the credit bureaus on XX/XX/18. Had I known, i would have paid this off immediately. I did pay it immediately, but now I am penalized becuase no one contacted me? I reached out to ford again after the payment went through and they told me they had no phone number on file for me, and my old address. I called the ford dealership in my town, and they have all the correct contact information. How does corporate not have my information, yet the individual dealer does, and no one was able to call me about this issue. Now I have to pay hundreds of dollars to have an attorney try to remediate the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for Transunion, XXXX, and XXXX to remove all of my hard inquires which were unrecognized. I personally called each company that I asked to be removed and was quickly advised there was nothing they could do because I do n't have an account or account number with them. I explained to all 3 the only permissible reasons for pulling someones credit is a Firm offer of credit, Insurance, court order or employment. What Transunion decided to send me was a generic response telling me what inquires were which I did not request an explanation of what inquires were. The other 2 agency 's sent nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is paid and closed with {$0.00} balance. They mailed the vehicle title to me. I own the vehicle free and clear ; however my credit report does not reflect this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple negative lines or marks on my.credit report that not only have " aged-out '' only to reappear on my report under a new account. I know about debt buyers reselling almost aging debt right before they do infact age out, but whoever had owned the debt before, did NOT sell it before it aged out, it was after! 

Not only that, but when I disputed the debt a couple years ago asking for them to verify the XXXX, and the XXXX, and location of medical treatment, they refused. Isn't refusal to verify the debt illegaal? 

I also have two line of debt that are the exact same date entered to collections and amount ; that is a double charge. I've never in my life went to two different hospitals in one day for the exact same treatment. That dispute was also wrongfully denied. 

Also, A new act has passed called the No Surprises Act, which protects people from surprise billing when receiving services from am put of network provider while at a facility that is in network ( might be strictly for emergency services ). I have also had XXXX for the last 12 years, therefore that affords me another level of protection, because if I have medicaid, there is no services that are not covered. If you aren't covered for A specific procedure under medicaid, they dont do the procedure. Also, all of my uncovered medical bills are from an emergency room ( I believe all are for XXXX services ( rendered in an emergency setting and situation ). That is also covered under the act. 

I acknowledge that response time can be prolonged, but I want the person taking my email/case to know I appreciate any amount of time spent on corresponding with me regarding this. And ANY amount of help is more than I have now, and I need it. I can't wait to hear from you. Please email me with a subject line in ALL CAPS to stand out better.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX XXXX Furnishings. Their website states you can get prequalified without impact to your credit. I submitted a prequalification since it does not submit a hard inquiry or impact my credit. The company pulled my credit anyways causing a hard inquiry to show up and in fact lowered my credit score. I did not consent or give permission for a hard inquiry. Their website is misleading and intentionally lies to consumers that they do not impact their credit for a prequalified application. I have submitted several disputes to equifax and had submitted a complaint to the FTC without receiving any resolution.
Product: Debt collection

I was recently informed that I had been placed in collections due to medical debt by the credit bureaus. I had no knowledge of this account or this debt, nor any communication from the debt collectors in attempt to collect a debt prior to this effecting my credit. When I called the company to inquire about the collection they addressed me by two incorrect names before asking me what my name was. When I asked what the medical debt was for, they couldnt give me any info due to HIPPA laws therefore I was unable to verify the accuracy of the ownnership of this account. They did however tell me the debt originated from a hospital visit. I just had a baby in XX/XX/XXXX, and had no prior balance due to the hospital at this time. I was told by Commonwealth financial the debt is from XX/XX/XXXX and was being reopened due to unsuccessful attempts from the previous debt collector. However if I had a precious debt owed to the hospital they would have informed me at the time I was pre-registering and I would have been asked to pay the debt or at least been made aware of it. I had to pay up front for my XXXX XXXX XXXX care as a cash paying patient, ( no medical insurance ) prior to me XXXX XXXX there I as part of the hospital and attending physicians policies. I do think it is unfortunate my credit was hit without any prior knowledge of debt, and before I was able to verify this account is accurate.
Product: Mortgage

I sent to two of their emails two full and complete applications for mortgage assistance, on the XXXX of XXXX and the XXXX. When I called in to check since they said five days, I called over a week later to be told that one email was not being monitored and they see no application what so ever being sent regardless of my mailbox saying it went through. told them I tried to do the application on the web site but it kept saying error to their response we are aware been having issues with the system. They then asked me to fax it, this was XXXX days before XXXX XXXX. I tried but would not go through. I am then told their systems had been hacked and at the same time I discovered that my bank account had been breached and my bank put my account on hold once I mentioned the situation with loancareXXXX XXXX XXXX I could not have my account bank up and running until I got my new card. I tried to call the company but now all lines are down. I called because I had my payments set up but now would not go through because my bank account was hacked. I attempted on the XXXX th of XXXX to do the application on line and it appears they said they would contact in XXXX days I also resent it again for a third time the whole application for assistance to the email they said to send it to. Weather or not their hack has anything to do with my bank account breach I dont know but at this moment I need to have this on file with an official complaint