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

On XXXX XXXX fraudulent checks were written against our business account. Wells Fargo was made aware, handled the claim, and the account was closed. Nobody from Wells Fargo educated me on other potential frauds/scams to be aware of or how to protect myself from it. 
In early XXXX of XXXX, Wells Fargo contacted me by phone to tell me that an unauthorized phone number used my full debit card number to check bank account balances. They closed the debit card and reissued a new one. The did NOT counsel me or educate me on what types of fraud to be more aware of following this breach. I did, however, received repeated texts from Wells Fargo asking if I recognized specific charges on my account. Each time I responded to the texts with " Y '' for yes. 
On XXXX I began a XXXX transaction via my online banking app, but didn't complete it. Within a few minutes I received a text addressed from Wells Fargo Bank asking if I had authorized a XXXX transaction for {$3500.00}. I answered the text with " XXXX ''. Immediately I was contacted ( by scammers ) announcing themselves as Wells Fargo. They indicated the XXXX transaction as well as two pending wire transfers totaling about {$18000.00}. They led me through a process to create two supposed INBOUND wire transfers back from Wells Fargo to offset the amount until their internal investigation could be completed. They assisted me in creating them as I didn't know how to do that. The bank routing number I entered is for Wells Fargo Bank and the account number was supposedly for where the funds would come from. At each step of this, considering the recent fraud, the call from Wells Fargo about my debit card, and the text messages verifying transaction .... I had no doubt I was speaking to my bank. 
When I completed two wire transfers on XXXX the money was actually moving out of my account, not in. Within two hours I checked my account expecting to see the money returned ( by the wire transfers I created ) and when they werent I contacted Wells Fargo and they stated the wire transfers were a scam. At that time, the representative scolded me saying that I should NEVER respond to any phone call from my bank. I should hang up ( regardless of what they say is the issue ) and call the bank back on the number on my debit card and verify that it was them that called me. NOONE from Wells Fargo has ever counseled/educated me to do so... even though I had been targeted twice in 3 months ' time. 
Also- they did not flag wire transfers as a " suspicious transaction '' even though in XXXX years of banking with them, not one wire transfer had been executed by me.

I've filed a police report and have an attorney that is representing me on this as I feel there are rules and responsibilities that Wells Fargo failed me on. 
Thank you.
Product: Debt collection

I am writing to file a formal complaint against Credit Collection Services regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$550.00}. However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me.
Product: Student loan

We have four student loans that were transferred from Navient to Aidvantage. 
Three are grouped together under one monthly payment and one is a stand alone under a seperate payment. All were paid on time for XX/XX/2023. The three grouped together were paid in full but only one was credited with the entire amount of payment the other two are now over due.The stand alone loan was paid in full on time, pament was credited but now appears that they assed a late penalty. I have tried to get them on the phone but to no avail, been on hohd for fourty five minutes to one hour.they also do not respond to my emails. Navient were great Aidvantage is a nightmare. I don't want to make anymore payments till this gets cleared up. 

Thank you very much, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the blocking and deletion of multiple fraudulent accounts and credit inquiries that appear on my credit report. I am a victim of a data breach, and the accounts and inquiries listed below were opened or made without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of these items from my credit file.

Fraudulent Accounts : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have several information that is on my credit on my credit report that I don't recognize, nor does it belong to me. Additionally, there are addresses I have never lived nor did I authorize any of these companies to run my credit. Please delete the following information as I have rights according to the fair credit reporting act. This is now the second request. Note that I am not a credit repair company nor a mortgage company either. I just want to live peacefully. Thank you very much.
Product: Credit card or prepaid card

Chase Bank obtained a finance charge in this purchase money loan whereas a purchase money loan is defined in 16 CFR 433.1 ( d ) as a cash advance which is received by a consumer in return for a Finance Charge. Chase Bank utilized the consumers credit card as defined in 15 USC 1602 ( l ) defines the term credit card as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. To obtain a finance charge.

The consumer was denied the cash advance and/or credit extension, based on the color of a credit reporting agencies illegal information reporting on consumer transactions defined in 15 U.S. Code 1681a Exclusions, which states that a consumer report should not include any information solely pertaining to transactions or experiences between the Claimant/Consumer and the person making the report. 
On XX/XX/2023, the consumer contacted Chase Bank to request the legal basis for their decision to deny the consumer the right to extend credit in accordance with 15 U.S. Code 1602 - ( f ), which defines credit as " the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. '' The consumer was not provided with any legal basis for the decision and was denied access to speak to the underwriter who had securitized the consumer 's application.

Chase Bank in violation of 15 USC 1611 Wherein as Misleading and false information in conjunction with a credit transaction was relayed to consumer justifying a denial of an extension of credit wherein as out of the same transaction Chase Bank received a benefit. 
Chase Bank is in violation of 15 U.S.C. 1691 ( a ) ( 3 ) which explicitly prohibits discrimination against any consumer for exercising his or her right to obtain credit. Chase Bank has been found to be in violation of the Securities Exchange Act, as they have securitized the consumer 's application and selling it on the open market for profit, for their unjust enrichment, at the detriment to the consumer. This constitutes securities fraud. Chase Bank failed to disclose pertinent information to the consumer which would have enabled the consumer to make an intelligent decision. 

The consumer was misled by Chase Banks deceptive practices, and believes that these practices amount to identity theft, securities fraud, tax evasion, and various other federal violations. Furthermore, Chase Bank unlawfully utilized the US mail to deliver deceptive forms to consumers with the intention to deny them an extension of their own credit, an act that is illegal for Chase Bank as it does not have the legal authority to lend its own money or credit. This has caused consumers to have a lack of trust in the banking system. 
Chase Bank is aware that the consumer is crediting the transaction, whereas Chase bank, through deceptive means, is obtaining the consumer 's social security numbers ( credit card ) and other identifying information, in order to fraudulently access the consumer 's open-ended credit plan, misappropriate the funds, and unjustly enrich themselves through securities fraud.
Product: Credit card

When trying to make our usual Dillards Wells Fargo online monthly payment we found oud account was locked out. Calling the number that was given repeatedly kept getting us to XXXX XXXX card and we struggled with XXXX XXXX  XXXX for weeks because everything that we gave XXXX XXXX XXXXXXXX kept saying they now are serving the Dillards accounts but theyXXXX did not have any records for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX XXXX SS # : -- XXXX -- XXXX and/or XXXX SS # : -- - -- XXXX. We were hung up on several times and told to call back. Finally Citi Bank Card told us to call Dillards and after repeated calls and referrals a Dillards representative said our account was in escrow. Afterdays and days of 45-plus minute phone calls to Dillards a Representative said our account had a terrible mistake because it had been coded that we were XXXX  Once transfered to another department the Representative via telephone asked XXXX questions to verify he wasn't XXXX i.e., whats your name? whats you date of birth? whats your SS #? Then by late XXXX into XXXX things slowly began to not get any where and in XXXX we found out our Credit Score that had been in the high XXXX 's, had dropped down to the XXXX 's and we were told our account was closed because we were behind 3 months in making payments. So we asked to speak with some one to make a payment and the payment representative said she was in collections and could not take a payment because our account had been transferred to XXXX XXXX XXXXXXXX, and she gave the XXXXXXXX XXXX XXXXXXXX phone number to call. And we received 3 letters from all different addresses and Wells Fargo Departments. Today XX/XX/ XXXX we called and were told we will get a phone call back, they are working on our case.
Product: Credit reporting or other personal consumer reports

I requested that Equifax XXXX XXXX to remove the Bankruptcy from my credit report reporting in violation of 15 USC 6802 which states : " 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Equifax is a consumer financial instution reporting to the Securities Exchange Commission for profit corporation and a third party. I have not given Equifax any permission to report any data that has not been properly validated personal information and data about me in any form written or otherwise for reporting to any other third party including secondary bureaus. This is a willfull violation of my FDRA rights as a consumer. Equifax has not validated this information under oath from the clerk of the court as true and accurate information. XXXX XXXX, a for profit corporation also reporting to the SEC can not validate or verify this information or any other third party who has not been granted written permission to use my personal data. Only the XXXX can validate this information under oath reporting without permissable purposes and they dont report nor validate. Equifax is securitizing my data and personal information but is refusing to provide me with accurate reporting and full disclosure related to my consumer file. The following accounts are disputed US Bankruptcy Court under public record. Equifax Confirmation XXXX. 

Please remove this public record from my consumer report immediately. I will be filing an identity theft report against Equifax for continually to unlawfully use my personal identifying information without my permission. I will also be reporting to the attorney general in your assigned state as well as the FTC for unlawful use of my consumer information for trading purposes on the NY XXXX XXXX and pooling purpose for raising capital for the company. Your integrity is to the consumer you said you would uphold and protect. Finally, I will report Equifax to the Federal Office of Ombudsman. This is my 3rd request. 

Also, I dispute the information being reported by XXXX.
Product: Checking or savings account

I found that my identity has been compromised after another debit card was opened in my name. I found the BMO credit check from XX/XX/16 subsequently on my credit report. I then received a letter today requiring me to contact a representative of the bank, though the provided phone number went to what sounded like personal voicemail. 

I called the company prior to receiving the letter, a customer service representative was unable to provide any information about the fraudulent account and told me I would receive a call back within 7 business days.
Product: Debt collection

I am repeatedly receiving phone calls from this company regarding an alleged collection account. I have never done business with this company and have never shared my personal identifying information with this company. Obtaining and using my personal identifying information without my express written permission is a form of identity theft. Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - a person commits identity theft when he or she knowingly : uses any personal identifying information or personal identification document of another for the purpose of gaining access to any record of the actions taken, communications made or received, or activities or transactions of that person, without the prior express permission of that person. 

Moreover, because I have already asked this company to stop contacting me at this phone number and they continue to do so, they are in violation of FDCPA.
Product: Consumer Loan

On XX/XX/2016, I requested a cease and desist letter with the lenders of my car loan, Consumer Portfolio Services. I have also requested that I do not receive and text or automated call from this company. I have never been over 15 days late on my car loan and while I understand that this company has a right to inquire on a debt but the numerous calls, sometimes 3 or more a day is simply out of control. This company has continued to ignore my request and I want it to stop.
Product: Debt collection

I moved out of my apartment at XXXX XXXX XXXX in XXXX, AZ on XX/XX/XXXX. The apartments are managed by XXXX XXXX XXXX. After move out, I received an invoice from a collection agency, IQ Data International, stating that I owe a balance of {$150.00} to XXXX XXXX. I contacted the apartment and received a copy of the ledger. I was inexplicably charged an additional weeks ' worth of rent beyond the lease termination date of XX/XX/XXXX. I was also charged for a carpet cleaning during that time frame, proving in essence, that the apartment was fully vacated. 

XXXX XXXX, through their attorney, responded that it was indeed their error, they apologized, and refunded me the rightful balance of the deposit due to me. 

IQ Data is still attempting to collect on the debt despite my submission via certified USPS mail that I disputed the debt with proof and also despite my submission of XXXX XXXX XXXX attorney 's letter to me. 

I need IQ Data to cease their illegal attempt of a debt I have disputed in writing via certified letter and provided proof that there was never a debt in the first place. I've attached a copy of the letter I mailed to IQ Data Inc, their original communication of the debt from XX/XX/XXXX, and XXXX XXXX XXXX attorney 's admission of the error by XXXX XXXX in the first place.
Product: Mortgage

My name is XXXX XXXX, I am XXXX years old and XXXX. My wife a banded our home on or about XX/XX/XXXX. She told me that I was a good man, she did not love me. She told the new dinning room set, new bedroom set, new living room set, our new flat screen TV, and the XXXX Truck which was a gift from her and my children and left me. 
On XX/XX/XXXX I applied for a divorce with Legal Aide. They help me to reply to her attorney 's request : I want the house, half of her retirement from XXXX, and half of her retirement from XXXX XXXX XXXX. 
I did not make a mortgage payments for XX/XX/XXXX and XX/XX/XXXX, because I had to pay attorney the Law Office of XXXX XXXX XXXX due to Legal Aide not being able to help me due to no funds being available. 
XXXX XXXX XXXX had been my mortgage company for about 30 years, I made payment from my XXXX XXXX XXXX checking account. 
My nightmare began not being able to pay the XXXX XXXX School Taxes. When I went to make payment on XX/XX/XXXX for the amount of {$640.00} I was informed by the XXXX Tax Office clerk the balance had been paid in full already, I asked her who paid for them I asked, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. You have to request the money we gave you credit for being approved because of your XXXX. 

On XX/XX/XXXX I went to XXXX XXXX XXXX, their representative called the XXXX, I spoke with their mortgage representative who told me I a made the payment of {$640.00} before XX/XX/XXXX they would not make the Escrow Tax account and my payments would continue to be my regular monthly payments of {$640.00} per month. XXXX XXXX XXXX made an automatic payment to the mortgage account XXXX instead to the escrow tax account, because of this error XXXX XXXX XXXX made an escrow account for 5 years. 
I had only 3 years to finish paying my mortgage and due to the unethical error made by the automatic payment applied to the mortgage loan payment instead of the escrow tax payment XXXX XXXX XXXX increase my contractual remaining term to 5 years and 8 months, and it increased my mortgage payment from {$640.00} to 1 payment of {$850.00} w paid in XX/XX/XXXX and my new monthly payments starting XX/XX/XXXX would be {$780.00} per month. 

On XX/XX/XXXX I went to pay my mortgage payment for {$780.00} and I was told by the teller my account had been sold to another company. I was to speak with a XXXX XXXX XXXX representative. I was told I would have to contact SLS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX to make the payment. I got home and called the 3 times that day and a representative answered and call was disconnected each time. A week later I received a letter stating that XXXX XXXX XXXX has been transferred, effective XX/XX/XXXX to a new servicer, will be collecting my mortgage loan payments. No other term of your note and mortgage will change. I received a bill for XXXX which has to be paid in full. My monthly payment or {$1100.00} per month. 
Yesterday someone from the mortgage company came to take pictures. My house is for for closer. Please Help Me Save My House! 
Thank you, XXXX XXXX Cell # XXXX
Product: Checking or savings account

On XX/XX/2020 I noticed fraudelent activity in my business checking account a " restaurant '' was charging multiple times my debit card I reported it with bank of america and the lady on the fraud department told me not to worry obout it that she put a stop on the account and that those transactions were not going to go trough. 
Next day I opened my online banking and not only the transactions from the previous day went trough but Bank of america allowed this company to charge my account with over XXXX transactions for over {$100000.00}. 
Since that day i have been in contact with the bank asking them to please refund me my money. 
The supervisors that I have talked to informed me that bank of america got hacked and agreed that this money has to be reimbursed back to me the have lied to me multiple times giving me a fake reimbursment date and the reps that do not lie can not give me a time frame for my reimbursment. 
I am XXXX  XXXX  XXXX  XXXX  and I have been waiting for over 30 days to be able to use my hard earned money. XXXX XXXX, my family and XXXX XXXX are sufering from this situation the late fees and credit damage, interest payments, foreclosures and default interest rates the Bank is creating by not refunding me my money is going to be in the tens or hundreds of thousands. I am very desperate for this situation. I hope that someone can please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company failed to charge a late fee to me for my XXXX payment. XXXX payment was due XX/XX/XXXX I paid XX/XX/XXXX so I paid before 30 days. I called and told them to run my card for what was due. My XXXX payment came due XX/XX/XXXX I paid XX/XX/XXXX. Here they said you owe XXXX I said why they said they forgot to charge you the late fee for XXXX I was upset asked will that affect my credit because that was their fault I was told no. XXXX comes and I see I got a 30 day late flag on my credit reports. I call them no help. They tell me in right just dispute I have 3 times and they keep reporting I was late 30 days on my payment for XXXX even though XXXX was paid XX/XX/XXXX. They are saying because I paid the late fee late but that late fee was for XXXX for one and I did not pay it late, the local office didnt take it with my over the phone payment on XX/XX/XXXX. This is deceptive business practice and they refuse to take ownership of the issue. I always pay before 30 days is up and because they failed to take the right payment amount they wont remove the late payment report. Ive paid before 30 days every month ive had this acct!