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

This is regarding an original complaint # XXXX. Wells Fargo has denied the large transaction of {$9800.00} and yet returned the small amount of {$650.00} - claiming one was fraudulent and one was authorized. These fraudulent transactions happened within hours of each other and I promptly reported both. I have asked Wells Fargo for all investigative documentation and written explanations ( see below ). I have not received any of this except a repeat of the denial letter- with added sentences stating they could not stop the transaction because it had already been sent. This is false. I was told in person at the XXXX XXXX XXXX in XXXX, by representative XXXX XXXX - that the transaction was still pending. I was a victim of fraud and I believe I have met the legal parameters that relieve me of liability. I reported the fraud immediately and spent many hours trying to resolve the matter. I submitting a report from XXXX XXXX that identified and removed XXXX on my computer. I believe Wells Fargo has not met its burden of proof that I authorized the transaction. Below is the letter I sent requesting documentation and written explanations. 

Dear XXXX, XXXX Wells Fargo Fraud Department denial of my claim : 1. ) I am requesting all investigative documentation that led to the conclusion that I authorized this transaction. 

2. ) I would like a written explanation regarding Wells Fargo statement " we were unable to identify indicators of fraudulent activity '' which seemingly ignores the XXXX XXXX report I submitted which identified and removed malicious software on my desktop computer. 

3. ) I would like a written explanation regarding what steps Wells Fargo took to stop this pending transaction from processing ( representative name, time of attempt, who they spoke with at XXXX XXXX, etc. ). 

4. ) I would like a written explanation regarding Wells Fargo 's failure to keep my money safe by not catching and alerting me to banking behavior outside of my normal banking practices, especially after being made aware of the first fraudulent transaction. Wells Fargo website states they provide XXXX Fraud Monitoring which monitors accounts for unusual activity. I have never made a bill-pay, let alone one for almost {$10000.00}. 

Again, it defies logic that Wells Fargo would conclude I authorized this transaction when I reported the first fraudulent activity immediately and reported the second transaction within hours of it happening, while it was still pending filed a police report and took my computer to experts for inspection. 

I hope Wells Fargo will provide me with the above requests for information and reconsider my claim. 

Thank you,
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX my cashapp account had got locked for " suspicious activity " when I tried to transfer my funds to my bank as usual. I contacted customer support thru email and never got a response other than an automated message. More research was done and I had found out they were active on XXXX   with solving issues. Contacted the support team there and got my issue solved asap. When I went to withdraw my funds a second time my account got locked again for no reason contacted the support team and never got anymore help beyond this point. I have contacted them through countless emails XXXX messages and can never get a response. {$500.00} is a lot to me and I just dont know what to do anymore people all over is having issues with this company they dont even have a proper customer service line set up for anyone to call just XXXX
Product: Checking or savings account

My name is XXXX, I had received an email from a scammer pretending to be the President of my company requesting for me to purchase {$600.00} dollars worth of gift cards to give them away to employees at an XXXX. As I believed it was the President of my company the day of the transaction was on XX/XX/XXXX at an amount of {$600.00} that was purchased on my debit card. When I found out that this was a gift card scam I immediately called Chase bank and reported the problem and they mentioned they could not help me because I made the transaction. I have a language XXXX so sometimes people can not understand me so I proceeded to call again the next day with my XXXX  that helps me. I told the bank although I did make the purchase I was mislead through false pretenses and was mislead by the scammers for gift card purchases. After explaining this to the bank I was told that they were going to put the money back into my account and I should not have to worry about it. The money never came back into my debit card and me and my XXXX  proceeded to call again and they said they were going to reimburse me the money while they did the investigation. The first person said that I would get reimbursed for sure with no issues and the second person said something completely different. I already felt deceived by being scammed and also felt saddened that the bank could not give me the correct information to help me with this unfortunate situation. Chase bank notified me that they were not able to help me and could not return me the money that was scammed from me as part of a gift card scam because I authorized the purchase. Again, I notified the bank that this was not an authorized purchase because I was deceived under the pretenses that it was my President of my company. The bank refuses to refund the money and was hoping to share my frustration and disappointment and hopefully get any time of help. I have also reporting the incident directly to XXXX and was notified that I would not be able to be helped with the gift card scams. I was mislead under false assumptions and I am a victim of a scam and hope I can get any help at all. Thank you
Product: Vehicle loan or lease

BMO/Harris bank claims to have sent a right to cure letter that I never received. They didnt email me or send it registered mail. I made a payment in XXXX of 2023 that was XXXX of my monthly amount & then a full payment the next 4 months. They claim I was 105 days delinquent & a sent the right to cure on XX/XX/XXXX. Due by XX/XX/XXXX. Claiming there is no XXXX payment but visible on my payment history. Im very frustrated with this situation & have been on the phone trying to get information daily since the repossesion occured on XXXX XXXX  XX/XX/XXXX. I just received a pay-off amount on XX/XX/XXXX. I only have until the XX/XX/XXXX. To work on getting a loan to buy back. Not very much time. Most of the 21 days I had have been spent trying to get the necessary information from them. Their customer servive departments are all outsourced & there are no branches in the state off Texas. It has been a nightmare trying to communicate with them. PLEASE let me know if there is anything you can do to help! Thank you in advance.
Product: Mortgage

XXXX Freedom Mortgage has generally been a reliable partner, so I found it surprising to encounter issues during recent phone calls. 

During the week of XX/XX/XXXX, I reached out to inquire about our options since we had fallen XXXX months behind on payments. During the call, I was informed that I could either spread the missed payments over the next XXXX months or add them to the back half of the loan, and possibly even add a third missed payment, to the latter portion of the loan. The representative mentioned that a packet containing further details would be sent. 

On XX/XX/XXXX, I called again to inquire about the status of the packet. The lady I spoke with informed me that I had been approved for a loan XXXX, which involved adding XXXX months of missed payments to the end of the mortgage. However, due to the outstanding balance exceeding XXXX XXXX of the principal, which was around {$450000.00}, adding a third missed payment would result in an increase in the interest rate from XXXX XXXX to XXXX XXXX for the duration of the loan. 

My concern arises from the discrepancy between what the first representative mentionedadding XXXX or XXXX paymentsand the terms presented during the second call. If we were to add XXXX payments to the end of the loan, we would remain at the XXXX XXXX interest rate with a monthly payment of {$3200.00}. However, according to Freedom 's calculations, opting for the XXXX loan XXXX would escalate the interest rate to XXXX XXXX, resulting in a {$1000.00} increase in monthly payments. 

Furthermore, I sought clarification on the current amount added to the outstanding balance within the XXXX XXXX threshold. Despite previously undergoing a loan modification during the XXXX pandemic, a monthly payment of {$3200.00} for XXXX months totals {$76000.00}, suggesting that there should still be sufficient room within the XXXX XXXX limit. 

In summary, it appears that the terms presented by XXXX Freedom Mortgage are advantageous for them. We require all three missed payments to be added to the end of the mortgage or, alternatively, the XXXX and XXXX payments added to enable us to make the XXXX payment.
Product: Prepaid card

On XX/XX/XXXX I call the bank to tell them to stop the transaction cause someone hack my account and where buying stuff online different state they XXXX dollars that I didn't do those purchases. They told they could not stop the transaction to send the paperwork and while they investigate they will credit my account .it 's been 56 days they denied my case four time I call every day to check the status. Everyday it's a different story they don't explain what's gong on I keep telling them that I need my money.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information currently reflecting on my personal credit from " XXXX XXXX  '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Wells Fargo to report a positive a positive payment on my account. Wells Fargo is part of a class action settlement due to issuing CPI insurance. As part of the settlement I am suppose to receive a 30 day delinquency removal from my account. I am working hard to be on time on my payments and to be current.
Product: Credit reporting or other personal consumer reports

Experian is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW XXXX XXXX XXXX  XXXX
Product: Debt collection

This debt is not mine. I was never seen by XXXX XXXX XXXX XXXX in XX/XX/XXXX. This collection agency which is SA-VIT Collection statingi was a joint responsibility. Never heard of such terminology for a medical bill. I have no idea how they got my social security number and put this false information on my credit report. I have tried several times to contact them. My latest attempt was on XX/XX/XXXXin which i send them a letter and also contact the credit agency. Was informed by XXXX  that are still stating this information is accurate. Was informed by divorce attorney this is illegal and fraud. I am not a cosigned for a medical bill and not responsible for this debt. In addition i was not the patient for this service. This is a frauduelent attempt to get this bill paid by me. This matter needs to be resolved and has cause me tremulously stress. Thank you for your assistance
Product: Debt collection

This collection company disclosed the lawsuit to ALL my neighbors and exposed by daughter to COVID during a house quarantine ( pic available that is dated and time stamped ). 

The lawsuit was left in a clear, gallon baggie hanging on my front door knob. You can see all the information contained on the notice ( case number/defendant and agency/attorney taking me to court ). I live in apartments and my youngest daughter was the one who found the notice while delivering groceries due to our quarantine. 

The FDCPA states : If a person is identified by name only, then they must be treated as a " third party. 

Indication that the public notice is regarding a debt to a third party would be considered disclosure and is not allowed. 
If the third party '' independently indicates that they have a debt, dispute the debt, talks about debt or client, etc we must still treat the communication as a " third party '' communication until one additional piece of non-public information ( NPI ) is verified LVNC Funding, LLC has disclosed my information. The next complaints will go towards the original client ( bank ) and original creditor ( card issuer ) who sold this debt to such an abusive company and has exposed my family to harm in the means in which they took to sue me during this pandemic. The news outlets may be next. While going through this law suit, two of my XXXX  kids have had XXXX  ( can be proved ). I also have a pic of the 2nd instance of disclosure. 

I have yet to ever be served in any other fashion, by this collection company, during the law suit. This should match the serving partys records but I do have a picture available of the notice. 




XXXX XXXX Site Training Manager | EOS USA XXXX Toll free : XXXX x XXXX Direct : ( XXXX ) XXXX XXXX XXXX XXXXXXXX EOS CCA XXXX XXXX XXXX XXXX XXXX TX XXXX EOS XXXX For a debt-free world. 

This e-mail may contain confidential and/or privileged information. If you are not the intended recipient or have received this e-mail in error, please notify the sender immediately and destroy this e-mail. Any unauthorized copying, disclosure or distribution of the material in this e-mail is strictly forbidden.
Product: Credit reporting or other personal consumer reports

I am writing to formally raise a complaint regarding the negligence and non-compliance observed in my dispute investigations. It has come to my attention that XXXX & EQUIFAX have been conducting sham investigations.

As a result of this negligence and non-compliance, my credit score has been affected in a negative way. These actions are in direct violation of our agreement and have caused significant disruption and harm.

I hereby request the following actions to be taken to address this issue : IMMEDIATE DELETION OF ALL INCORRECT ITEMS ON MY CREDIT REPORT I expect a prompt and satisfactory resolution to this matter. Please consider this letter as a formal notice of complaint and a request for remediation. I anticipate a response within 30 days. Should you require any additional information or documentation, please do not hesitate to contact me.

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

1. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

2. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

3. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

3. XXXX XXXX XXXX XXXX  - XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

4. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple soft inquires for insurance companies, credit agencies, phone companies, & security companies I never made appear on one or more of my credit reports. Multiple incorrect addresses, land line and cell phone numbers belonging to other people and a phone loan I was never notified of, given a contact for or signed for in the amount of several hundred dollars also appear. I requested correct information for all updates and changes and although I now received all these new reports from all 3 bureaus ( 3 from Experian and 2 from XXXX ) I am still seeing the same incorrect telephone numbers ( not mine but still attached to my social security number ). I contacted all the companies repeatedly and they said to contact the credit agencies and the credit agencies told me to contact them. I did BOTH, hundreds of times. I need the cell phone numbers not belonging to me removed because I believe my stalkers has access to them and I have a restraining order. Please help. I've tried everything. I called, wrote letters, requested new reports, complained to XXXX ... BUT this false information STILL remains on all my credit reports. It's not just effecting my credit, it's effecting my health and well being.
Product: Student loan

First, I have two extra loans that I have never gotten an answer for, as I never applied for them. I only was supposed to have 2 loans, and now I have 4 with all different interest rates. Second, I applied for the SAVE program to lower my monthly payments for student loans in XXXX. Originally, the amount was close to {$400.00} a month for a loan that was not very big. The SAVE option was supposed to lower that amount so that I could feasibly afford it each month. Ive gotten several messages about delays in processing my application, even after providing tax and employer information. The application is processing but my monthly payment is still {$380.00} by XXXX XXXX, 2023. I was informed of this amount on XX/XX/2023. I called Mohela to discuss this monthly amount, which I am UNABLE to afford. I was on hold for 2 1/2 hours before the line cut out. I called again after work and was on hold until I had to go to sleep 2 hours later. I have gotten no response from them about this. I am not able to pay the full amount for this loan, and should not be expected to until they have processed my application.
Product: Checking or savings account

This started when locating in XXXX XXXX Nv in XX/XX/year>. Multiple charges on the account registered in XXXX XXXX and XXXX XXXX only were processed and posted to the account after calling and reporting fraud. The request for the bank statements has been going on for years and to this day have yet to make an appearance. Every bank account in my name XXXX XXXX from the years XXXX have disappeared the same with XXXX XXXX XXXX XXXX XXXXXXXX XXXX The United States Treasury and Department of Veteran Affairs has deposited a monthly direct deposit since XX/XX/year> for Compensation/Pension into these accounts and has record of it as well but the banks cant find the bank statements or the accounts. The banking institutions are lying to the public and causing a lot of financial hardships and ripping off good people for reasons non other than insecurities and intimidation that a woman could make more than them.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incomplete and not inaccurate on my report. According to the Fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter asking them to reinvestigate these accounts listed below because These accounts are not reporting correctly, open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. XXXX, XXXX XXXX, XXXX XXXX XXXX My tracking number is XXXX I received the investigation back but noticed that nothing was modified or updated. So I requested a description of the re investigation and they did not provide it to me which is a violation of 15 USC 1681i7. According to this law 15 USC 1681i ( 5 ) they are supposed to update or provide this information within 15 days.