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

I have been using Cash App for a while. They are trying to present themselves as a legitimate banking institution people can file their taxes through, receive government payments, and issue loans complete with an account and routing number. The issue I have is with the legitimacy they are trying to portray, they do NOT protect their customers. They have zero fraud protection. 

On XX/XX/XXXX of 2023, I was scammed out of {$45.00} dollars, and they refused to reimburse the money even with proof. On XX/XX/XXXX, I sent {$50.00} to a friend for his birthday but they locked him out of his account. So now the money is sitting in a dormant account. Cash App blames the victim when they allow people to make multiple profiles. 
To make the XXXX reasoning worse, Cash App tells customers that when they are scammed, they have to request a refund. Um, hello ... A scammer/ grifter/ conman won't just give a refund. It's insulting and frustrating. 

I know countless other people with similar stories. THEN when I file a fraud report, the woman told me it is for preventative measures and people never get their money back. I know this person uses this account so it is safe to assume they funnel money through the account. If a business wants to be considered a viable financial institution, we need tighter restrictions! Stop allowing the masses to be scammed.
Product: Credit card or prepaid card

I found a charge on a Chase credit card on my XXXX and XXXX bills that I did not recognize. The charge was for {$16.00} each month and the only identification of the organization making the charge was the term " XXXX XXXX '' followed by an unintelligible string of letters and numbers. I submitted a written request to Chase about this issue on XX/XX/XXXX providing all the relevant information that I had. 

Chase responded asking me for some specific information most of which I did not have. I replied to them on XX/XX/XXXX noting that in the interim I had received a XXXX invoice with the same charge to the same name with another string of unintelligible of letters and numbers. 

On XX/XX/XXXX I received a form letter from Chase stating that they " ... contacted the merchant to discuss the disputed transaction '', while not providing me with identifying information on the merchant or what was the merchant 's explanation. They also stated that the charges would appear on my bill on my next statement. Chase provided no useful assistance to me to resolve this issue or even tell me who was charging these amounts!!! 

It appears that I will be charged $ XXXX/monthly by this unknown organization in perpetuity. What can I do? Can I pay off this Chase card and cancel it? The name on the letter is XXXX XXXX Claim ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report an saw several account that did not belong to me, so i got in contact with the companies to let them know that these accounts were not mines. I also provided my drivers license and social security card to prove that the accounts were not mines but they refused to investigate them. So i decided to file the necessary documents to show that i have been a victim of identity thief to the best of my knowledge. The following accounts are not mines : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX/XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX in regards to incorrect items on my credit report, it has been well over 30 days ( 45 days specifically ) and I haven't received any investigation results.
Product: Checking or savings account

Chime bank didnt help me fight back to get my money that was unauthorized they just told me to lock my account! I filed a dispute next day and they declined 24 hours after that! With no help.
Product: Credit reporting or other personal consumer reports

Apparently when my background check and credit checks are pulled there are items against me that are not me and some police reports that were dismissed yet that are showing up as cases, some over 25 yrs old .some howfalse, negative info is being pushed behind my back. I want to opt out of the blacklist I have been unairly put on.it has ruined my employment chances and made my life very difficult to progress
Product: Checking or savings account

XX/XX/2023 there is a pending debit to my account in the amount of {$130.00} DEBIT DUE TO CLAIM XXXX XXXX. debit - {$130.00} There was no claim placed on this checking account. The problems with my old checking account were reconciled before it was closed. Someone at the bank is charging my checking account for a transaction that was not processed on this account at all. There is someone who has been manually entering their own information and " miscellaneous '' transactions to my account although I have not processed any such transaction or owe any money. I am a victim of identity theft, and also a victim of XXXX XXXX. They are then forwarding the information to police and attempting to XXXX XXXX for the transactions which are " miscellaneous '' on the side of the road, by pulling my car over, by approaching me inside my car while it is parked, etc. I have been severely XXXX by the police and by the person who is accessing my account. I have visible injuries.
Product: Money transfer, virtual currency, or money service

My cell phone was stolen on XX/XX/2023. Fraudulent access to its content was gained on XX/XX/XXXX. They sent a total of {$500.00} to another account, known to me only as XXXX XXXX Approximately {$900.00} in fraudulent charges were also run up on my XXXX card. 
I have repeatedly attempted to dispute these transactions, to no avail. Chime claims no error occurred. The only documentation theyve sent me of their investigation gives ridiculous reasons for denying the dispute that make absolutely no sense. 
It sure looks to me like theyre hoping to wear me down so Ill just give up, increasing their profit margins.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  CO XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

When Amerihome purchased my loan in XXXX, my monthly payments, including escrow, were just over {$1500.00}. 

Beginning XX/XX/XXXX, I informed Amerihome Mortgage XXXX " Amerihome '' ) that my local tax department in XXXX XXXX, Michigan had not applied a principal residence exemption and my tax bill was about {$2000.00} too high. Amerihome paid the taxes anyway, and shortly after I received a {$2000.00} check ( approx. ) from XXXX XXXX for the overage. 

Meanwhile, Amerihome began to recalculate my monthly payments based on a perceived shortfall in my escrow account -- a shortfall created by their overpayment. 

After several calls to Amerihome, I returned the {$2000.00} overage, which Amerihome should have applied to my escrow account. Instead, Amerihome informed me that my monthly payments would rise to just over {$2000.00}. I called again to sort out the problem, and Amerihome did another escrow evaluation. By the time that was complete, I had paid the {$2000.00} a month XXXX approx. ) for XX/XX/XXXX and XX/XX/XXXX. 

In XX/XX/XXXX, my monthly payments were adjusted to {$1700.00} XXXX approx. ), but that is still too much. Since then, I've contacted Amerihome several times and have not received any substantive response. Instead, I hear repeatedly that " a task has been created '' and " this matter is escalated in our system, '' but there is never any meaningful response. 

Here is the message I sent to Amerihome on XX/XX/XXXX : - '' I've been working to resolve your escrow withholding for months and months now. I'd -like to begin documenting this effort with email because multiple phone calls have not -achieved any results. 
- -You are currently withholding {$610.00} per month for taxes and insurance, including PMI. 
- -That totals {$7300.00} annually. 
- -My annual taxes were {$3800.00} -My monthly PMI is {$98.00}, or {$1100.00} -My insurance is {$830.00} annually -That totals {$5800.00} annually - -By my calculations ( {$7300.00} - {$5800.00} XXXX you are collecting {$1400.00}, or {$120.00} too -much. On top of that, I paid {$2000.00} in XXXX and XX/XX/XXXX, putting an -additional {$460.00} into escrow that was also an overage. 
- -I would think that you are obligated to refund the {$460.00} for the high payments in XXXX and XX/XX/XXXX, reduce my monthly by {$120.00} to {$1600.00}, and -refund the excess {$120.00} paid in XXXX and XX/XX/XXXX. 
- -That totals a refund to me of ( XXXX + XXXX ) {$700.00} and future monthly payments -of {$1600.00}. 
- -If this is incorrect, please provide the correct calculations to me in writing within XXXX -days of this message. '' ( I offset the quoted message with " - " hash marks. ) I expect a refund of the overages paid for XXXX and XX/XX/XXXX, an adjustment of my monthly payments downward by {$120.00}, and a refund of the overpayments for XXXX up and until the monthly payments are corrected. 

I am only complaining here because several months of efforts to resolve this with Amerihome have failed.
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 confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX US DEP ED : XXXX, USDOE/XXXX : XXXX, US DEP ED : XXXX XXXX US DEP ED : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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: Credit card or prepaid card

Hello, My name is  XXXX   XXXX  and I open a credit card account with Chase Bank f or British Airways ( A cct # ) around    2002  and at that time there was no Annual Fees. I have never sign any credit card agreement with this bank Chase bank with British airways and now I have been charge annual fees without my consent or any agreement between me and the bank. I have requested several times to send me the original agreement with my signature on it that show any annual fees involved but to no avail. Chase bank refused and trying to destroyed my credit rating files with  XXXX  major Credit Bureau by pressuring me that I have to closed or cancelled my credit card account in order for them to stop billing/Charging me for annual fees that I did not signed for. I have never received any agreement that involved annual fees. I am asking for your help to stop this kind of abuse from  Chase B  ank/British Airways from   XXXX  off a working class people like me. Enclosed below is my attachment billing from  Chase bank /British airways.
Product: Debt collection

lockhart morris & montgo for XXXX XXXX XX/XX/year> i tried several times to reach out and settle never got and answer or response i really need this remove from my report on XXXX
Product: Debt collection

For the past several years, I have received calls about an XXXX XXXX XXXX XXXX. The company never sent a bill to my current address until I placed a security hold on my credit bureau accounts after someone attempted to use my information to open an account in my name. 

I have called XXXX XXXX XXXX to determine if I have had a balance on my old account that was sold to this company. I have not done business with XXXX XXXX XXXX since XXXX or XXXX. When I called, there was no balance found nor did they have record of a debt that was sold to this company. 
I recently received a letter dated XX/XX/XXXX from the company regarding my credit bureau hold. I have received multiple calls to my cell and home phone ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX ) and 2 text messages from XXXX on XX/XX/XXXX. 

I don't know what to do at this point. This company filed to XXXX, which I disputed and it was removed, and XXXX, which I disputed and I am waiting for a decision.
Product: Credit card

I opened a Verve credit card through continentalfinance back in XXXX, credit line was {$500.00} min payment {$35.00}. In XXXX when the year came up I closed the account as they charge {$96.00} for a yearly fee and {$60.00} for a yearly maintenance fee. For some reason when I closed the account I was being locked out of my account so I had to some times call in payments and in XXXX XXXX for some reason the person did n't process it correct, when I got a letter in the mail I called and was told they would waive the fee as she said it was showing for XXXX XXXX and I had to make a payment which I did. The one that was scheduled as she said for XXXX XXXX and XXXX for XXXX XXXX. I then called to make my payment on the due date of XXXX XXXX and I was told I had to pay {$72.00} as I was charged a late fee of {$37.00} and they were rude to me and refused to waive the {$37.00} fee saying they can only waive XXXX fee in 12 months which I was n't late, so I do n't see why I should eat that fee. I informed I was n't paying another penny on this account as I am disputing there charge. I spoke with serial people the only person I got info from was a XXXX XXXX who said she was gon na send my complaint to corporate and see if they could waive the fee and told me to call back in a hour. I did and she said they wont waive it. I was then informed I had til XXXX to pay the {$72.00} or I was getting another fee. The account is closed and they charge me {$10.00} a month in a monthly maintain fee which it was {$5.00} when it was opened and they get about {$13.00} in interest. I never made that a issue, but I do n't think it is fair they are gon na mess up my credit for something I did n't do. I asked them to send the {$470.00} I owe to collections as it makes more sense to go that route then to keep getting a {$37.00} late fee a month when I was n't late. They said it does n't work that way. I thank you for your help in this matter. I can be reached at XXXX. XXXX
Product: Debt collection

XXXX XXXX XXXX failure to rebut, answer, respond, to conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXX XXXX failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Product: Money transfer, virtual currency, or money service

I have about {$65000.00} from my uncle 's estate that was recently deposited into my Wells Fargo account via cashier 's check. This was a physical check my executor got from the bank holding the estate and took into a local Wells Fargo branch in XXXX, Oregon. She was told {$400.00} would be made available and the rest would deposit the next day. 

Not only did Wells Fargo put a hold on it and claim the funds were not available ( on a cashier 's check ). They also took back the initial {$400.00} made available which helped cause an overdraft on the account. 

They are refusing to honor the cashier 's check and I suspect they are using the funds for their own use without interest. They say they will attempt it again in 10 business days or on XX/XX/year>. However, there's no guarantee these funds will actually enter the account. They've tried to blame the other bank for blocking the funds and even told us they were told by the other bank to put a hold on it. We checked with the other bank and

they told us Wells Fargo placed the hold for their own reasons. WF is lying about why there is a hold and can not offer any expla
nation or reason to hold my funds. In the meantime, they continue to offer me products and services for overdue fees and debt management as if I couldn't pay them off immediately if they give me the funds I am owed.
Product: Credit card or prepaid card

SYNCB/CAR CARE SYNCARE SYN CRE reported on my credit score that I did not pay my bill and wrote off the amount left to be paid. I called the company 4 times to try to find out how my name was associated with the account and if it was my bill, why hadn't I been informed that I owed the company money.

I spoke with representatives in customer service on 2 occasions a year a go and they were unable to find my name or social security number any where in the system. I spent hours on the phone with these patient women who really tried to help me but never could find my information. I tried again a few months ago but could not get beyond the automated system since I am not in it, I can't get information.

After hearing about your organization I thought i would try again. Once more I could not access a human.

The only reference I have to the account is that I am listed as a co-signer with XXXX XXXX. I was to be taken off of the account but had never received a bill or any notices from the bank. I was able to find a partial account number but nothing else. 

I, as seen on my credit report have always paid my bills on time, without missing payments ever. Can you help me? I want to resolve this.
Product: Money transfer, virtual currency, or money service

Organisation name Ria money transfer XX/XX/2022 started a transaction foreign country waited for transaction to take place for four days there were no transaction made therefore ask for refund according to the website it could take 2 to 10 days the promise of two days its fraudulent in almost always take up to 11 days one mistake attempted to correct with the customer service they were polite but not helpful customer service refused to escalate the situation to upper management on two occasions transfer is for medical expenses creating a hardship for both recipient and the sender there were no ways of resolution of a simple mistake through this service. further customer would not know what transaction this service will keep holding to release five days. some transactions the service will release within hours, others they will choose to hold for longer periods not having a system that is informing a customer which one they choose to hold is a problematic on customer end that is what happened with me I was used to the releasing within hours of transfer and this time they refuse to do so this create major problems for consumers and win this occur they are not working with the consumer to help many customer service calls repeated same information refuse to escalate to get help
Product: Mortgage

Ally told us they needed just 30 days to close on a mortgage, and we applied with nearly 2 months notice. They gave us over 50 online tasks with not a single phone call or communication other than automated emails to go to their portal and complete. We did this as instructed. Despite our prompt responses, they continued to ask for duplicate documents and irrelevant information. Our final approval was supposed to be nearly a week before closing ; it is now Saturday night before our Monday closing and they are still asking us for documents. They are also providing inaccurate financial information and waiting until the last possible minute for multiple requests, which has now put our closing date in jeopardy. The absolute worst and most impotent mortgage experience I have ever witnessed. A delayed closing will not cost us forfeited moving deposits, an entire extra month of rent at our apartment which the lease is due to expire on ... .buyer beware with Ally. Minimal communication and incompetent underwriters. BUYER BEWARE - they are not worth the additional $ XXXX in closing cost credits that was the reason we chose them.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX 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 was in a bad auto accident in XX/XX/2022. My car was totaled and I was immediately rushed to the hospital XXXX XXXX My car was towed and kept there until insurance became the owner. Capital 1 was notified of the situation and that it was totaled and my loan would be getting paid off. However until that happened my loan showed delinquent for months until being paid off. This reporting has caused damages to my report resulting in my score dropping and me being denied rental applications to XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX issued a two party check to my ( estranged ) XXXX AND myself. He endorsed the check, and Suntrust deposited it into his personal account, without my signature, or identification. I've talked to Suntrust twice, and am getting the run around and what it comes down to, is them telling me I can go small claims court. I'd like the bank held accountable for not following regulations, and would like the funds put on hold.