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

I currently have a Paypal Account which I have used for more than a year for my online business. 

There were no problems for a long duration until today when Paypal sent a message without warning that I had violated their User Agreement Clause except I had not broken any clause and neither had they stated any reason. 

As a result my money is now stuck in my Paypal Balance which I may have otherwise used. 

Even though its a {$100.00} now which is stuck for 180 days they have blocked my way of earning which is using XXXX XXXX XXXX XXXX XXXX This has been a very horrible experience for me in all fronts.
Product: Mortgage

Hello, my account has a shortage in the escrow because of some homestead exemption taxes that were found that they were behind with an amount of {$48000.00} and what phh mortgage has done is put that shortage in top of my monthly mortgage payment which has an increased {$1800.00} additional to my monthly mortgage payment. I used to pay about {$1200.00} and now my mortgage payment is {$2800.00}. This is unbearable and its just cruel. I dont want to lose my home!
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX Data breach Subject : Notification of Identity Theft and Request for Removal of Fraudulent Accounts To Whom It May Concern, I am writing to notify you that I have been a victim of identity theft, and my personal information was involved in the XXXX data breach. I request that you investigate and remove the following accounts from my credit report, as they were fraudulently opened in my name without my authorization : XXXX XXXX XXXX XXXX Balance : {$1300.00}, Reported : XX/XX/XXXX XXXX XXXX- Balance : {$480.00}, Reported : XX/XX/XXXX XXXX XXXX  Balance : {$180.00}, Reported : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$24.00} XXXX XXXX XXXX- Balance XXXX {$590.00} XXXXXXXX XXXX XXXX- Balance : {$800.00} XXXXXXXX XXXX XXXX- Balance : {$3200.00} XXXX XXXXXXXX XXXX- Balance : {$400.00} I request that these accounts be blocked and removed from my credit report immediately. I also request that you provide me with a written confirmation of this action once completed. 

Please find enclosed any necessary documentation supporting my identity theft claim, including a copy of my police report, if applicable, or any relevant information. If you require additional details or documentation, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your attention to this urgent matter
Product: Debt collection

I attempted to have a XXXX  removed from my right eye. Dr XXXX XXXX made a mistake during the XXXX and several pieces of the XXXX XXXX XXXX and migrated to the back of my XXXX. As a direct result of his error, I needed a second XXXX, by Dr XXXX XXXX ( a XXXX XXXX ). The end result is that I am Legally XXXX in my right eye ( 20/450 ). I paid Dr XXXX But I did NOT pay all of Dr XXXXHospital bills. 
Because I would have never NEEDED the 2nd XXXX if Dr XXXX did his job correctly. 
I do not see the logic of paying for who caused me to be XXXX. Would you? 
The bill was something like $ XXXX and change.... 

XXXX I chose not to sue Dr XXXX because I am not the litigious type of person. 
Apparently they do NOT feel the same way....
Product: Credit card

My credit card was stolen when my house was broken into then my card was used at several different places I did not report it until I seen the transactions 2 weeks later capital one is trying to not to refund me the fraudulent translations as they stated I do n't fit there criteria! Highly upset
Product: Credit reporting or other personal consumer reports

I have sent numerous disputes and request for the reporting of these accounts to be proven and removed from my XXXX, XXXX, and XXXX credit reporting bureaus. I have yet to receive any updates or letters validating these accounts or balances. It has been more than a year that I have requested this information be removed from all XXXX of the above mentioned credit bureaus. I need help getting the debt collection agencies listed below to comply with the consumer reporting laws and hope that you can help me. 




XXXX XXXX XXXX Midland Credit Management Inc XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Good afternoon, My name is XXXX XXXX and I am a current banking customer at chime bank ( account ending in XXXX ) which is backed by stride bank ( FDIC cert XXXX ). I am requesting assistance in recovering funds that were defrauded from my account over a two month period where two XXXX checks were spent unauthorized and without my knowledge from my acct while I was incarcerated from XX/XX/XXXX - XX/XX/XXXX ( proof of incarceration attached ). My house was broken into and my wallet, phone and everything I own was taken from my home as well as my vehicle was stolen. I have provided a list of all transactions and created multiple disputes ( dispute # XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) Totaling {$4400.00} and change as well as a copy of the police report for case # XXXX ( also attached above ) Where I reported all of these transactions as fraud as well as theft of all of my belongings and my vehicle, which has now been recovered by the sheriffs department with an arrest made of the person caught driving it once the bolo went out As well as the above attached Proof of incarceration which proves that it could not have been me that slid my card XXXX times at local businesses within XXXX while I was incarcerated from XX/XX/XXXX - XXXX as dated in the attached list of transactions, Just like XXXX XXXX XXXX XXXX gentleman who was caught with my truck whom now sits in XXXX XXXX XXXX XXXX XXXX, XXXX  for the theft of my vehicle, which I could not have been driving around due to my incarceration And yet can not get a response as to even why they have closed these disputes three or four times already each individually It is my understanding that whether it be FDIC insured XXXX insured by Visa, and their XXXX liability insurance coverage of any and all fraudulent transactions and theft. That one way, or the other, all of these transactions are covered and are of XXXX liability to myself since I have proven through the proof of incarceration that it could not have been me that made these XXXX transactions Sliding my card at each individual business locally nor any of the other transactions. 

I dont know what else to do other than start here with the inspector generals office and reporting to the FDIC as well as I have also filed a complaint with the BBB. I need whomevers assistance I can get with making stride stand by chimes Advertisement of my money being safe and secure in their establishment against any and all fraud and theft or unauthorized transactions By Assuring me that my money was safe per FDIC insured and backed by visas XXXX liability policy. 

Please review the attached information and reach back out to me if theres any other documentation needed for your assistance with this issue You can also call me at XXXX XXXX XXXX. 

Thanks so much for your assistance.
Product: Credit card or prepaid card

I had an American Express platinum card. In XXXX, the card was closed. During every month a payment was made. I recently accessed my credit report and it shows to two reporting agencies that the account is delinquent. However, there are no past dues, no late fees, etc. The account is current per my statements. I have requested several times to American Express to help fix this to no avail. On XXXX XXXX, XXXX I spoke to American Express to get my account number as my credit report and the account number on the report do not match. I spoke to XXXX, ID # XXXX who said that American Express could not give me that number and would not give me that number. I have paid all bills open with American Express and should have the opportunity to get my own information to correct my own credit report. I request that the delinquent account status be removed and I be given all information about my own account.
Product: Debt collection

Date: XXXX /2017 The c  ompany and persons involved are the following ; NEW CENTURY FINANCIAL SERVICES, INC, THE attorneys that are involved are   XXXX   XXXX   XXXX   ,   XXXX   .
They are suing me for a contract dispute, for attending   XXXX   XXXX   XXXX   XXXX  , this school closed down while I was still a student at the school. Their company is suing me for the amount of {$6300.00}. They are attempting to garnish my work wages and other future financial gains I may receive.
Product: Credit card

I 've had this account since 2011. Not one time has a payment I 've made ever been returned back to capital one. The last two times in a row now that I 've made a payment, capital one has placed a hold on that payment, effectively freezing a large portion of my money. It has left my bank account, yet held by capital one and I am not allowed access to that payment. Each time I have to make a phone call and go through a lengthy process to release my payment. This second time, I was transferred to a supervisor and actually told my payment was being held because I pay my debts more than once per billing cycle. Seriously, I am being penalized because I actually pay off my balance more than once per month? Each time I have called, they have released my payment and then had the nerve to spin the conversation as if somehow they 're doing me a favor. If my payments can be released with a phone call, then why are they being frozen in the first place?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) XXXX XXXX and XXXX XXXX XXXX were deleted off my consumer report XX/XX/2021. XXXX XXXX reinserted XX/XX/2021 XXXX XXXX XXXX reinserted XX/XX/2021 Equifax didnt let me know after 5 business in writing of the reinsertion and the reinsertion wasnt authorized by I, the consumer per the law stated above. Those are now fraudulent accounts on my consumer report.
Product: Debt collection

On XX/XX/XXXX, I received a letter from my employer stating that Nelson & Kennard ( XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX, CA XXXX ) had received a judgement against me ( for a debt from XXXX XXXX XXXX, XXXX back on XX/XX/XXXX ) and that my wages are now being garnished for {$12.00}, XXXX beginning XX/XX/XXXX. 
Please note that I never received a summons to appear in court regarding this matter, nor did I receive any communication regarding this Superior Court of CA XXXX XXXX XXXX XXXX XXXX XXXX Case Number XXXX. 
I contacted XXXX in XX/XX/XXXX, because I was disputing their debt amount appearing on my credit file. They wrote back to me ( in XX/XX/XXXX ) stating that they could not identify my account based upon my name and credit information provided.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns of Zelle handling disputes particularly regarding the recent lawsuit with cfpb. While previously filing disputes and reporting discrepancies with Zelle numerous times, specifically XX/XX/year>, my financial institution as well as Zelle failed to investigate my claims correctly if at all. They informed me that recovering funds were impossible and that they were unable to track these transactions. According to cfpb Zelle has neglected to protect consumers as well as allow scammers to take advantage of the system and its users. Accountability from Zelle and the financial institutions is unacceptable and causes for concerns
Product: Mortgage

I had a Mortgage with Greentree mortgage and then it became Ditec LLC They have raised my escrow for no good reason since my taxes have gone down. It also do n't make sense because two months before they raised my payments they sent me money because there was too much money in my escrow. This lender has a bad track record of being honest.
Product: Credit reporting or other personal consumer reports

I found false information on my credit report in accordance with 15 USC 16c-2. This incorrect data is harming my creditworthiness, and I did not authorize the inquiries.
Product: Checking or savings account

On XX/XX/2024 and XX/XX/2024 I made transfers of {$100.00} and {$100.00} from my Wells Fargo account ending XXXX to an external account I paid bills through. The receiving bank reported that they did not receive the transfers, and after quite a bit of investigation I found that they seem to be operating a fraudulent fintech operation with many negative reviews and name changes. 

I promptly contacted Wells Fargo- well within the 21 day period that an ACH can be reversed- to file a claim on these transactions. The phone call was handled by FOUR different representatives both in and out of the United States who told me theyd file the claim properly in order to recall this ACH transaction. That call took well over one hour and thirty minutes with multiple call transfers to incorrect departments. 

I called in two days later to ask why the claim wasnt showing in my online banking dashboard and was told that the claim was denied because Wells Fargo confirmed they had sent the money out. Why I hadnt received the benefit of the funds was not discussed. I then spent another hour on the phone with a series of incompetent representatives who finally sent me to the Customer Advocacy Team. The team member- XXXX- re-filed the claims and assured me they would be handled properly this time and apologized for the great amount of effort I was placing to get a simple claim filed in a timely manner. 

On XX/XX/2024 I received three letters from Wells Fargo : Two saying the claims were summarily denied because they were duplicate claims, and one asking me if I wanted mediation for the improper activity Wells Fargo had committed against me years ago. The irony is not lost on the synchronized arrival of these documents.

Because of the rampant incompetence of Wells Fargo employees we are now outside the time frame to attempt to recover these funds, and thus far my only resource seems to be the second Customer Advocate I spoke with who said shed escalate it- just as the first did.
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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$19000.00} ; XXXX XXXX XXXX : {$2300.00}
Product: Debt collection

My youngest grandson had a car accident with his XXXX XXXX XXXX pickup and was not insured so XXXX insurance company was trying to collect money they paid out to fix the other vehicle. My problem is because I had cosigned for my oldest grandsons pickup that is a XXXX XXXX XXXX XXXX insurance some how got the wrong pickup involved i guess because of their last names being the same. I don't know.. and then that got my name involved. I know XXXX was sent both vend numbers so they could get it straightened out. Since then they have turned it over to Wilber & Associates, P.C. out of IL I have spoke to them twice and explained the situation and thought i had it taken care of but since then they have called about 6 or 8 times but have only spoke to them once because they call from a number that you can not call back.I only want my name off of this debt collection since I am not involved in anyway with this vehicle. It all began XXXX I have a file number of XXXX & client claim number XXXX the last time I spoke to them the lady said that they were going to move forward with it whatever that means I am XXXX years old and do not need this harassment in my life..
Product: Money transfer, virtual currency, or money service

Zelle has been taking money from me and the fine print was VERY misleading
Product: Credit card or prepaid card

This is my 2nd try. I evidently do not know how to send photographic proof of my receipt and the bill. 

On XX/XX/XXXX i tried to put {$200.00} towards my Lowes credit at store XXXX ( XXXX OH XXXX XXXX XXXX. The clerk took {$1200.00} out of my account. I was in a hurry and did not notice unti later. I went back the next day to have it corrected. I also had the bill which only amounted to {$660.00}. The clerk at the service desk tried to correct it. She said she got it in there but the computer was hesitating to print the receipt. She turned the screen to me but the screen disappeared while I was getting out my phone to verify it. She assured me it was taken care of but to give it a day or two to be deposited. On XX/XX/XXXX I checked and there had been no correction. From the credit union parking lot I called the number on the bill. I was informed that they could not put it back in my account but would be sent a check that would arrive in 2 to 3 weeks. I told her that was bogus, if they could take it out, they could put it in. I expressed that I was not happy. On XX/XX/XXXX no check had arrived and I called in again. I was told that according to their records it would not be XXXX weeks until Friday. I called on XX/XX/XXXX and reached what was obviously a call center and probably in another country. The man I spoke to told me " it's been cancelled. '' I questioned what had been cancelled and where had my money gone. He told me it was cancelled that no money had been taken out. Once again I was extremely mad and again made it clear that when I got my money back and had paid off the balance they would recieve the card in pieces and that in no uncertain terms would their company receive a dime from me until the {$1000.00} was returned. 

Starting shortly thereafter I began recieving texts to remind me I had not paid my bill. Calls are coming in daily on a potential spam number that I believe is them but I do not answer spam calls. 
The latest was at XXXX today as I attempted my first complaint.
Product: Mortgage

I have my mortgage paid by the company Earn Up. Every 2 weeks they deduct {$620.00} from my checking account to pay my leader ( XXXX XXXX ) so that I make 2 additional payment a year. On XX/XX/XXXX they deducted the payment of {$620.00} REF # XXXX ( this payment cleared on XX/XX/XXXX ) on XX/XX/XXXX the deducted another {$620.00} REF # XXXX ( this payment cleared on XX/XX/XXXX ). See Attachments When I called Earn Up I was told that neither payment cleared the bank and that I needed to send them the proof that they did clear. On XX/XX/XXXX I e-mailed them copies of the statement from XXXX XXXX XXXX XXXX showing both payments had cleared even though the second payment over drafted my account by {$540.00} and I received an over draft charge of {$36.00}. 

I have called Earn Up every work day talking to the following people ; XXXX, XXXX, XXXX, XXXX and XXXX to name a few. I can never talk to a supervisor since they are always in meeting and even though I've requested a call back I have never received one. 

My account has now been suspended with no idea as to when or if they are going to pay my mortgage payment for XXXX. According to my bank they have received {$1200.00} and I have now been charged {$54.00} in bank fees. I have deposited into my account with XXXX XXXX XXXX XXXX funds to cover the over draft of {$600.00} so that I will not receive any more penalties.
Product: Credit card

Over the last 15 years I have owned my own small business and have worked with XXXX  XXXX XXXX with business accounts and loans etc. 
I have had Chase Bank send me their Ink card information for at least 8 years and finally offered a good opportunity and I applied. My credit scores are XXXX depending on debt payments so very good normally. 

I was turned down. 

I am asking you contact them and ask them to take me off their list and I don't want to hear from them every again. I believe their advertising push is misleading and a waste of mail. 

XXXX XXXX
Product: Checking or savings account

This complaint is a follow-up on CFPB complaint XXXX. In this complaint, I requested Truist Bank to close all my accounts and refund the {$72.00} in NSF fees incorrectly charged to my account and now to refund the {$20.00} check account maintenance fee that Truist Bank has charged me because they have not yet closed my account ( s ) as requested in CFPB complaint XXXX.
Product: Credit card or prepaid card

My Bank Of America credit card ending in XXXX had a fraudulent charge of {$110.00} at a XXXX has Station over 45 days ago. Bank of America has denied my claim citing that it was because the charge occurred in my " geographic region ''. 

Bank of America sent me a new credit card for XXXX before the fraud charge occurred because of merchant I used the card at Unfortunately I did not get a chance to activate the new card until after the fraudulent charge. 

I have spent 6 hours in total on the phone with the bank 's fraud department. They have now reopened my claim and keep giving me the run around. They will not even credit me the {$110.00} to my account while they investigate. 

I have submitted proof to the bank that I was in Key West, FL on the date of the fraudulent charge because I was using another Bank Of America credit card ending in XXXX. 

I have spoke with numerous supervisors including XXXX most recently. This is deeply disappointing because I have significant assets with the bank and have been a loyal customer for over 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, the XXXXXXXX XXXX  account that appears on my XXXX  equifax and XXXX  credit reports was charged off in XXXX in the amount of {$1100.00}. this account has shown this balance and never changed until XX/XX/XXXX where suddenly the balance changed to {$1100.00}. i have disputed with all 3 credit reporting agencies about this account for inaccurate reporting and each time it is verified as accurate when in fact the balance is not correct. each time the status date on this account has never changed as well so how can the account have properly been investigated? ive also requested proof of the balance as it is my right to have only verifiable information reported against me and it has been to no avail. also the information reported on this account does not match across all three reporting agencies so how could they in fact be properly investigating this matter?? if the information on an account can not be verified it must be deleted from the consumers report. it is a violation to report information on my credit file that is inaccurate and unverifiable. also there are inconsistencies between the agencies reporting this account like payment history does not match, missing payment history, date of first delinquency monthly payment and etc of which errors i have encircled and or highlighted in the documents i have attached to this complaint.. thank you for your assistance with this matter.