23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I received a check from Wells Fargo ( WF ) in the amount of {$200.00}. I have not done business with this bank for 15 years. The reason for the check was " During a review of the account, we identified that when the loan was considered for payment assistance options, an error may have occurred. As a result we are enclosing a check for {$200.00}. '' I was insulted. fifteen years ago WF made my life XXXX as I attempted to obtain a loan modification when the Banks failed. I then researched why this may have occurred and discovered the lawsuit between CFPB and WF. I originally filed a complaint asking CFPB to assist me in finding out why I was not included. I attached supportive documentation with my claim. I did not cash the check for months. WF responded to my complaint ( XX/XX/XXXX ) claiming their actions " did not cause or contribute to any foreclosure activity or further delinquency on the account. I did not understand that I only had 60 days to respond and in fact sent my response to CFPB to an incorrect address. 
I heard nothing back until I called CFPB and spoke to XXXX who informed me my case was closed. 
After denying any wrongdoing imagine my surprise when again " out of the blue '' I received another check form WF dated XX/XX/XXXX, in the amount of {$3700.00}. This time claiming " We identified that an error may have occurred related to your approved and finalized loan modification. This money after denying any wrongdoing in letter received XX/XX/XXXX. 
My statement is the WF purposely prevented me from obtaining a loan modification. Foreclosed on my home while I was in a Forbearance agreement forcing me to file XXXX XXXX to save it. Over the years the reason they have denied me remediation is that I filed XXXX XXXX yet they forced me into it. They had problems in their software, incorrectly credited my payments stating I was in arrears, continued to pursue foreclosure even after a loan modification was in place. Additionally they claimed because my loan was in a Private Trust backed by securities I was not eligible for a loan modification. I signed an agreement with WF for the mortgage not a Private Trust. It is my belief this was financially advantageous to WF. Thank you for your kind regard. XXXX XXXX ( XXXX XXXX )
Product: Credit card or prepaid card

On XX/XX/2021 I noticed a charge from XXXX for {$21.00} that I did not make. I immediately disputed the charge and had them close the card and issue a new one. I tried reaching out the restaurant that the charge was made at but the restaurants phone number was disconnected. Keybank has the account flagged for having a dispute but no provisional credit has been issued and the transaction is still pending resolve over 2 weeks later.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has failed to investigate a legitimate dispute that I have filed on several occasions. The information with the dispute results is inaccurate and does not add up. I sent in supporting documents, which they deleted and did not send to the creditor. I wasted a month for a report that shows the last time the account was even updated by the creditor was a month prior. None of the comments or history are accurate. There are insufficient dates and data history. I provided ample evidence showing these payments were completed and withdrawn from my checking account, and provided evidence supporting each of my claims to clear this up. When I attempted to reinvestigate the dispute, I was alerted that my dispute was modified for another thirty days. This is incorrect derogatory information being reported, and the credit agency has caused more harm than help by neglecting to investigate my dispute properly. I attempted phone contact with the company, only to have my calls re-routed over and over again.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I am a natural person and consumer. I am writing this complaint because I am a victim of identity theft. XXXX and transunion unlawfully furnish my personal information without my writting consent. Pursuing to 15 U.S.C. 1681 section 602 a states I have the right privacy. My rights where violated due to unlawful data sharing. XXXX and Transunion has violated my rights and I demand these accounts be removed in XXXX business days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Last month I paid off the entire previous balance ( {$1500.00} ) and new balance ( {$11.00} ) of my Chase credit card ( a total amount of {$1500.00} ), 11 days before the statement closing date, bringing my balance to XXXX. However, this month I received a bill for interest on the previous balance that was paid off in its entirety ( Balance : XXXX, interest charged to me and due by XXXX XXXX, 2016 is {$11.00} ). My understanding is that if you pay off the entire balance before the statement end date, then no interest should be charged on the purchases. This is how it works with my Chase Southwest Credit Card and XXXX Credit Card. I called Chase 's customer service line twice tonight. The first time the woman was not helpful and argued with me and did not have very good English. I then told her I wanted to cancel my credit card and she made up some excuse that there was a long 10 minute wait to get transferred to someone else who could cancel my credit card. I then hung up with her and called back to try to get someone else and she also did not have good English and told me that all of their systems were down and to call back in 1 hour!! What is going on!!? This seems like fraud to me and I would like this investigated. I do not feel that I should have to pay interest on a balance that I paid down to XXXX 11 DAYS BEFORE THE BILLING CYCLE END DATE.
Product: Credit reporting or other personal consumer reports

I file a dispute request that the closed date of the XXXX XXXX  account be clearly identified. That dispute came back as closed account without identifying the true date of closure.
Product: Credit reporting or other personal consumer reports

Did not give Equifax Permission to publish ANYTHING ON MY CREDIT REPORT. Unauthorized and Illegal activity by this company.
Product: Debt collection

I am receiving harrassing and abusive phone calls from a debt collector that is currently being paid through a law firm. They are also harassing a family member of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX XXXX {$0.00XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1500.00}
Product: Credit reporting or other personal consumer reports

On my reports through Transunion and XXXX there is an address I have never been associated with and may be the result of identity theft. 
The address in question is XXXX XXXX XXXX XXXX, I have never been associated with this address and have never heard of it. 
I have contacted both companies and they won't remove the address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I was behind on a few payments through XXXX. I paid any past due balance and the current month total and I continued as usual with my automatic payments. My car was not repossessed. I kept making payments on time and thought nothing of it. Several months later there was a charge off on my account and my credit tanked. It has ruined my life as well as my husband who is the co-borrower because we can not obtain a student loan for my child due to this being considered an adverse event. As you can see from the attached statements that XXXX sends me every single month, the status is " CURRENT '' and my balance due continues to decrease. I know XXXX is being sued for very similar deceptive practices in other states. How is it they're able to benefit by slapping me with a charge off and getting this as a tax write off AND simultaneously getting my payments monthly and telling me I'm current and on time and essentially nothing is wrong? I still own and pay for my car.
Product: Checking or savings account

XXXX I attempted to transfer {$85000.00} out of a joint savings account I own with my XXXX XXXX XXXX mother ( who recently just became a widow ) to our linked external account. 

XXXX Marcus by Goldman Sachs reversed the {$85000.00} transfer citing security reasons and locked our account. 

XXXX After hours on the phone with Marcus representatives they said they would close the account and transfer our balance of {$130000.00} + interest to our linked external account. 

XXXX The account is still not closed so I contacted Marcus again with my mom on the line. And after hours on the phone with them trying to get us authenticated they said they have closed the account and transferred {$130000.00} to my linked external account. 

-XXXX Marcus reversed the {$130000.00} transfer and locked our account again. Once again my mom and I spent hours on the phone trying to find out why only to get the run around that they now can't authenticate us so they don't have access to our account. They want us to wait 7 business days for a specialist to call us for the next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Credit card or prepaid card

I have an American Express prepaid E-gift card. For a period of time I was able to use it, however, at the time it had {$45.00} ( roughly XX/XX/ ) it began being declined online in stores where I had previously been able to use it ( specifically XXXX ). I called the company and they recommended that I try using it in another online retailer. I tried this an it was declined again. I called two more times, where they recommended I try in-person and through an XXXX XXXX, both of which were declined. 

When I reached out again, they said they were unable to help me and when I asked to be transferred to someone who might be able to, they transferred and then hung up on me. They also seemed to have removed the refunds on transaction fees that they had previously made for me from my transaction ledger.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 M XXXX XXXX XXXX A XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX  XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

IN REGARDS TO COMPLAINT ID XXXX FOR XXXX, THE RESPONSE LACKS DETAIL AND COMPLETE EXPLANATIONS NECESSARY TO ADDRESS MY CONCERNS REGARDING THE ACCURACY OF MY CREDIT REPORT. MY REQUEST FOR PROOF OR EVIDENCE IS NOT EFFECTIVELY SATISFIED. THERE HAS BEEN NO FORM OF COMMUNICATION TO PROVE I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT. I NEED PROOF WITHIN 15 DAYS, IF NONE ARE PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN. 
IN REGARDS TO COMPLAINT ID XXXX FOR EXPERIAN, YOUR RESPONSE LACKS A DETAILED EXPLANATION OF THE FINDINGS OF SUCH REINVESTIGATION. YOU STATED THAT THE DISPUTED ITEMS WERE VERIFIED AS ACCURATE WITHOUT PROVIDING SPECIFIC DETAILS OR DOCUMENTATION SUPPORTING THIS CONCLUSION AKA PROOF OR EVIDENCE. YOU ALSO FAILED TO ADDRESS WHETHER PROPER AUTHORIZATION WAS OBTAINED. YOUR INFORMATION REGARDING CREDIT REPAIR LAWS COMES ACROSS AS DISMISSIVE BY STATING, " THERE IS NOTHING A CREDIT REPAIR COMPANY CAN DO FOR YOU. '' YOU FAILED TO OFFER POSITIVE ASSISTANCE OR GUIDANCE ON RESOLVING MY SPECIFIC CONCERNS. WITHIN 15 DAYS, I AM DEMANDING MORE DETAILED INFORMATION ON THE INVESTIGATION RESULTS AKA PROOF OR EVIDENCE SHOWING I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT! MY RIGHTS UNDER THE FCRA STATES THAT CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE UNVERIFIABLE INFORMATION SO IF NO PROOF OR EVIDENCE IS PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN. 
IN REGARDS TO COMPLAINT ID XXXX FOR XXXX, XXXX HAVE RECEIVED THE LETTER SENT WHICH WAS ONLY AN UPDATED CONSUMER REPORT. I EXPECTED MORE THAN JUST AN UPDATED CONSUMER REPORT I AM LOOKING FOR PROOF OR EVIDENCE TO SUPPORT THE INFORMATION ON MY CREDIT REPORT REGARDING ANY DEBTS OR NEGATIVE ACCOUNTS. AN UPDATED REPORT DOESNT ADDRESS MY REQUEST FOR VERIFIABLE EVIDENCE. YOUR RESPONSE DOESNT PROVIDE A CLEAR EXPLANATION OF HOW YOU ARRIVED AT YOUR CONCLUSIONS. I AM DEMANDING MORE DETAILED INFORMATION ON THE INVESTIGATION RESULTS AKA PROOF OR EVIDENCE SHOWING I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT! MY RIGHTS UNDER THE FCRA STATES THAT CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE UNVERIFIABLE INFORMATION SO IF NO PROOF OR EVIDENCE IS PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN.
Product: Credit card

I have made payments on the account and the money has been deduced from my checking account and posted to my synchrony XXXX account but they will not release the available credit. They told me the account is to new and I made the payment to fast
Product: Credit reporting or other personal consumer reports

apparently created by company and actions by company on date on XX/XX/23
Product: Checking or savings account

On XX/XX/2022. I was on a website looking for a new home. The website was called XXXX. On the website it states that you need to provide a XXXX $ Fee for an application. As I proceeded to look on the website I found a home that I would like to look at. I messaged someone that can help me out with the process. As we spoke he also informed me about the application fee and that I also had to send an additional XXXX $ for the processing fee. I was okay with it. I used chime mobile banking as my payment method. Chime is affiliated with stride bank. So as we spoke I filled out an application and paid the fee. He then proceeded to ask me more information about the people I live with. Anyone over XXXX had to fill out and application of their own and also pay the fee. At first I was little unusual about it but I needed somewhere to move. So then my son had to fill out and application because hes over XXXX, and I sent another XXXX $ to the person. So as we moved on with the processing, the person then asks me to verify my XXXX account. So being that I didnt know what he meant I asked my son for help. When my son came to help me he couldnt find what the person was talking about. So I then asked if I can get a refund for my applications because something didnt seem right and the person really didnt want to, also tried to persuade me into staying but then agreed to send the refund. So after a while the person kept asking me to verify my XXXX account. And asked my son to come help me once again. So my son came to help me he told me to stop interfering with the person because it seems XXXX. And the only way someone can access your account from a Third party they XXXX be a hacker or scammer. So as time went on he kept constantly asking me to verify my XXXX account. Somehow the account was verified and he proceeded to ask me send a code from chime. I simply was asking if I was going to get my refund and instead saying yes or no, he kept asking me to send a code for chime. So because he was asking for a code from chime I was thinking that would get me my refund back being as thought I sent the fees through chime. So at first I was struggling trying to send me the code and I couldnt get it right so then I had to ask my son for help again. My son was able to help me and send the code. The code was sent and my son proceeded to check my chime account. When my son opened up the chime app and tried to log in he said there was an error. We tried signing in a few times and it didnt work. So then my son called chime to to fix the problem but as my son is listening to the prompts from the call he check the balance. The balance for both of my accounts stated XXXX XXXX So continuing in the call we got a hold of an agent and got the account back. We were brought to another agent for the fraud/scam. We spoke with the other agent about the situation and gave proof. A few days later they were not able to help me.
Product: Credit reporting or other personal consumer reports

I recently purchased a vehicle through XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX on XX/XX/XXXX I had gone in with a pre approval with XXXX XXXX XXXX looking to purchase a XXXX XXXX XXXX and signed a credit application that was to be sent back to XXXX XXXX XXXX to allow XXXX  XXXX  and XXXX XXXX XXXX underwriting to connect on the same system but the credit application was used incorrectly and was sent out to XXXX  XXXX  unions  and XXXX  companies. I only authorized the credit application for XXXX XXXX XXXX but Im seeing the application got sent out the XXXX  unions below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX I want to have the hard inquiries removed from my credit report as they were not authorized to be pulled. Ive spoken with the XXXX  unions and they have come back to me saying they would not have pulled my credit if I did not sign a credit application. I understand that is true but I did not authorize the dealership to send out my credit application to be sent out to those XXXX establishments, only XXXX XXXX XXXX.
Product: Debt collection

Hello XXXX, your account may qualify for savings up to 25 %! Please contact Genesis at ( XXXX ) XXXX or visit www.genesiscred.com regarding your balance with XXXX ( XXXX ). This communication is an attempt to collect a debt by a debt collector. To opt out text STOP./ I have stated stop 5 times after trying to have them give proof and they have not.
Product: Mortgage

I had submitted a payment on XX/XX/XXXX for XX/XX/XXXX mortgage payment to Wells Fargo branch, which then cleared my XXXX XXXX XXXX account on XX/XX/XXXX. I clearly stated in the memo field for XX/XX/XXXX payment. I happen to check my account XX/XX/XXXX to ensure that Wells Fargo applied the payment to XX/XX/XXXX mortgage, but sure enough it was not applied. In fact, it was showing my account is delinquent and there are late fees accrued. I called Wells Fargo customer service in XX/XX/XXXX and XX/XX/XXXX to notify for this issue and late fees and to this date there has been no correction made to the account. 
The other issue is how my previous mortgage payments have been applied to the account, which should be reducing the principal balance gradually and it is not reflecting that. 
I have been very unhappy with their service, diligence to get the issues to get them resolved. I 've made my mortgage on time ever since I 've had my loan with them in spite of my income reduction and they have been absolutely frustrating to deal with.
Product: Money transfer, virtual currency, or money service

I had an unauthorized transaction transferred from my personal bank account and then sent to an unknown persons account through cashapp on XX/XX/XXXX around XXXX XXXX  in the amount of {$3000.00}. I am very upset as I need this money for bills and rent that is due in 5 days. The transaction was completely unauthorized and I was unaware of the transaction. I am requesting a full refund or dispute to be resolved.