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

Chime Dispute # XXXX On XXXX I noticed that a fraudulent transaction not approved or made by me appeared on my Chime account in the amount of {$260.00} on XXXX, at a location in Florida. I contacted Chime immediately who cancelled my card and reissued me with a new one. A dispute was then filed with Chime on XXXX and a temporary credit was placed on my account on XX/XX/XXXX in the amount of {$260.00} to cover the amount debited. 

On XXXX, Chime contacted me by email and provided an update that their investigation into the case had concluded but they had found no issue with the transaction. In summary, Chime decided that the transaction was valid and that they intend to overturn the XXXX dispute, and the temporary credit on my account is to be returned to them. No evidence of their findings were provided and I continue to wait for the documentary evidence to support their investigation and outcome. 

I opened a rebuttal with Chime on XXXX  and provided documentary evidence that I was at work on XXXX in XXXX XXXX and could not have used the card at the location and time the fraud occurred. The transaction was made some XXXX miles away. The rebuttal was rejected within 12 hours of submission again with no clear adjudication.
Product: Mortgage

Submitted a loan modification package to PNC XXXX XXXX, XXXX. This is a XXXX mortgage and can not be submitted through HLP. I have submitted three different packages to PNC and then on XXXX XXXX, XXXX I was advised I had been sending the wrong package that PNC Bank was not the same as PNC Mortgage. I requested the correct package be sent to me on the same day and now it is XXXX XXXX, XXXX and after 2 additional calls I still do not have a package. I spoke directly to the spoc and requested for a third time. This file has a hearing date coming up this month and the file is not even being reviewed supposedly because the correct loss mit package has n't been submitted
Product: Debt collection

After carefully inspecting my latest credit report, I identified an account that I believe is incorrect and was included without my consent.
Product: Checking or savings account

WellsFargo admits to changing my account without my consent form savings to checking with no overdraft protection. WellsFargo admits they were aware that I already had a checking account with overdraft protection.
WellsFargo also admits they received a refund from a merchant after automatically withdrawing funds from the unauthorized account sending the account into overdraft for more than {$1000.00}. 


WellsFargo admits I told several bank representatives about the strange account activity. WellsFargo admits a bank manager and assistant manager have written emails with additional questions where I swiftly responded. 

Now WellsFargo claims to not use email to communicate with customers. WellsFargo also can not explain how activity occurred on a closed account. 

WellsFargo claims I deposited a check into this closed account with no overdraft protection. I never saw this check nor authorized the deposit. 

When they respond to this I will post it. It shall read as all others. WellsFargo admits no wrongdoings. WellsFargo has no explanation of the experience and will not investigate. WellsFargo has finished responded because WellsFargo is not governed by the CFPB and is not required to respond further. 

Over {$14000.00} was drained from the unauthorized account. After my second complaint to CFPB WellsFargo sent an email admitting massive fraud but still refused to explain the obvious theft from my account. 

I have several emails from XXXX XXXX and XXXX XXXX of WellsFargo from my initial 2 complaints. Since then WellsFargo claims to have implemented a company wide policy eliminating email communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

tower loan services of Mississippi is keep pulling my credit without my permission they pulled it on XX/XX/2018 and XX/XX/2018 I want it removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX. As well as unauthorized hard inquiries that were reported as follows 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 XXXXXXXX and XXXX XXXX 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 a account without my written instructions
Product: Mortgage

Ocwen Loan Servicing , LLC commenced foreclosure on an owner-occupied property that is our primary residence. The foreclosure notice was originally filed with a foreclosure date of XXXX/XXXX/2016. He had a court hearing to get a temporary retraining order. The temporary retraining order was only good for 7 days. Our claim for a temporary injunction was denied by the judge on XXXX/XXXX/2016 and Ocwen Loan Servicing , LLC reposted our primary residence for sale on XXXX/XXXX/2016 for a foreclosure sale on XXXX/XXXX/2016. As outlined in the Ocwen National Servicing Settlement, " Before a loan is referred to non-judicial foreclosure, Servicer shall ensure that it has reviewed competent and reliable evidence to substantiate the borrower 's default and the right to foreclose, including the borrower 's loan status and loan information. '' Ocwen has failed to show that they have the right to foreclose.
Product: Debt collection

XXXX XXXX sent a debt collector notice/debt validation letter that was received XX/XX/2022. My reply to the debt validation notice was immediately replied to on XX/XX/2022 indicating that the debt was not valid. My notice required 30 days for XXXX to send me proof of the debt, but they immediately put my mortgage up for foreclosure auction before their sending me their proof of the debt. 

I have verification that the loan that XXXX XXXX is trying to collect on is fraudulent and I believe they are trying to avoid my suing them in court because they know that the loan is fraudulent and are looking to sell the mortgage note to get out from the unlawful debt.
Product: Credit reporting or other personal consumer reports

My credit score is dropping because inadequate information I have not had a roll over balance with capital one that's power by credit wise. And credit wise is submitting information that is effecting my score. Also using persuasive tactics to get me to apply for more credit by dropping my credit score. I have maintained a positive balance with no interest fees applied at for over 8 months with no roll balance. I have been targeted and treated differently with prejudice decision from the above XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have. Not received service from one company and I like my refund and I requested cancelation with the company and contacted cash app filled a.dispute since the merchant wont respond to me and the second transaction is item that was meant to be shipped I never received and I canceled with merchant but somehow was retrieved by someone and it wasnt me I was checking the tracking number and showed was delivered but I. Ever got the package and been trying to get my money back and cash app refused both of my dispute with no explanation and any evidence of the denial
Product: Mortgage

I have tried several times to modify my house with Penny Mac and they are not willing to work with me on modifying my home.. I am on XXXX and I need my mortgage payment and interest rate reduced based on my income Thank You
Product: Payday loan, title loan, or personal loan

Wester finance in XXXX OK It was in XXXX Oklahoma but moved to XXXX and switched people in office from good ladies to awful ones they have been calling a place I work part time and almost got me dismissed I'm a single mom and have had this loan for 6 years straight just to build my credit but thanks to the women in that office I have almost lost my income and my credit has dropped to a point I want to give up even trying to work on it I don't care about all the details I just want it on record that those women are hateful and if I wasn't on medication I would seriously think about ending my life they have me thinking I'm gon na go to jail because they tricked me into refinancing saying since you can't make a payment you will have to refinance which has completely screwed my finances up I tried to give them all the money I had but they wouldn't take it cause it wasn't a full payment how am I ever going to be able to pay it off if they won't take my money just add more charges I can't afford those ladies will run that business in the ground.
Product: Credit card or prepaid card

I tried making a purchase with my XXXX XXXX credit card tonight. The payment would not go through. I contacted my credit card company Synchrony and they said the account had been closed three days ago and I would be declined a new line of credit for at least 12 months. I received no notification of this happening. They said I should receive a letter in the next week. I have perfect payment history with this card a {$0.00} balance and my other open credit accounts and would like this account to be reopened with the same credit limit. It is two weeks before XXXX. I have not had this account even a year. I also have {$25.00} in store credit that I can not use without an open account.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1692g - Validation of debts ; and FCRA laws ; EQUIFAX must provide how they verified this debt belongs to me in the following manner : 1 ) How did you verify these accounts? 
2 ) Provide an original contract for each account with my wet signature. 
3 ) Provide documentation showing that I am contractually obligated to pay these debts. 
4 ) Provide proof that XXXX XXXX, L, XXXX XXXX, and XXXX XXXX XXXX XXXX the legal right to collect these debts. 
XXXX ) Provide any agreements or contracts I purposedly signed with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Mortgage

A loan modification was approved with a trial plan payment due in  XXXX  but the lender still has an active sale date for  X/X/17   .
Product: Credit card

I am unable to log into my American Express Account. I have tried all methods such as clearing cookies using a different browser. It will not let me log in and I am facing the issue " We are experiencing temporary issue '' screen for a long time. The problem is the account itself. I have tested the American express website with a relatives account on my desktop and I was able to log into theirs. I have contacted the CEO and he also did not respond.
Product: Debt collection

As I was scrolling through my credit report, I noticed that this company placed an false collection account on my credit report causing me not to be approved for certain things during this Covid-19 crisis. This bill is stemming from a medical bill that my Health Insurance carrier has  already paid to Dr , and I have the proof. Also the Dr office or practice isn't in business anymore due to Covid-19 during a Statewide shutdown of Florida.Bill has already been paid via Insurance company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proc was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 6 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's security breach has created an undue burden on the entire adult American population, putting our financial and social lives at risk. In addition to allowing all of our sensitive information to be leaked, AND keeping this leak a secret for three months, they have placed the onus of responsibility on the American people to pick up the pieces. The fact that they and the other credit bureaus stand to make a profit off of this national crisis is unconscionable.
Product: Debt collection

Keep calling my phone from different numbers throughout the day and night. ( XXXX ) XXXX XXXX, ( XXXX ) XXXX  and ( XXXX ) XXXX. It is overwhelming because I am at work most of the day and phone keeps going off for nonbusiness calls. Calls everyday all day.
Product: Debt collection

In 2006 my wife and I took out a first lien heloc loan with XXXX XXXX and XXXX to pay off credit card debt. One of the 3 cards to be paid XXXX now claims not to have been paid. 9 years later a debt collector messerli and kramer is trying to collect on this debt which started out at {$9000.00} and has grown to {$24000.00} with a default judgment that should be vacated because it is part of a secure loan I have been paying XXXX for the last 10 years. A mn attorney general 's office rep from the consumer services division, XXXX XXXX, has asked XXXX XXXX and messerli and kramer to honor the hud1a statement which they have been sent a copy of that clearly states they have been paid. Please help quickly as we can not afford to pay a {$500.00} a month mortgage payment, a {$500.00} a month loan payment, and having my check garnished 25 % a week totaling over a {$1000.00} a month. XXXX seems to have no interest in helping resolve the issue as we have made several attempts to contact them with no reply.
Product: Credit card

There were charges made on my Discover Card thru XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX of XXXX per XXXX. XXXX informed me that it was not done thru my XXXX account but through XXXX XXXX. I had to contact XXXX XXXX. They informed me that someone with the initials of XXXX did the charges. I do not know anyone with these initials nor do I know anyone in XXXX nor did I authorize this. Discover refuses to aknowledge this as fraud.Discover sent a letter to me on XX/XX/XXXX stating they see no evidence of fraud.XXXX told me to contact Discover to dispute the charges. 

Please note the card in question ended in XXXX. I don't have it anymore as it was cancelled after discovering the fraud. I don't know that number but the CC company can identify it with my new card.
Product: Credit reporting or other personal consumer reports

I have made several attempts including FTC identify theft veri action documents to address the following ; Incorrect name, multiple incorrect addresses, Collections associated with the FTC identity theft report and XXXX has requested my verification documents such as utility bill, id and these have been sent and confirmed they have received. 

They continue to report on multiple accounts that have been removed and deleted from the other XXXX credit bureaus. They share that they have deleted the items once i dispute them via phone due to id theft, and they in turn do no and continue to negatively report on several fraudulent accounts associated with identity theft in addition report inquires and Tradelines all under identity theft which do no belong to me nor did i authorize. I additionally, they continue to report old, sometimes over XXXX  years, account t information that had been deleted or removed from the other credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on my credit file report the following account on debt collection- XXXX XXXX   XXXX Collection Agency- Original creditor- XXXX XXXX XXXX XXXX ENHANCED RECOVERY COMPANY- Collection Agency Original Creditor- XXXX XXXX  I have never requested service with those company. This is a fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got sublease scam. 
I sent XXXX dollars to guy named XXXX XXXX, sublessor, as a deposit on XX/XX/XXXX and another XXXX dollars to XXXX XXXX, landlord/agent, in 2 differnet transactions as a 1 month rent through Zelle. I sen XXXX dollars first on XX/XX/XXXX and XXXX dollars on XX/XX/XXXX. So total of XXXX dollars. 

I reported to XXXX XXXX  and they said they will file a report and investigate but chance of getting money back is very low. 
Zelle says there is nothing they can help with it, so just contact my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that I did not authorize and are from unknown credit companies. 
- XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Consumer Portfolio Services - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with a representative of XXXX, Transunion and XXXX, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which I did, and it came back verified. This isn't possible, Ive already file a report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, I just want to protect myself from any further damage, and get these accounts off my report, which has cost me denial of credit and higher rates when I did get approved. I was totally clueless of this account until recently in XXXX when I got my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, NA ; XXXX XXXX XXXX XXXXXXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are both reporting that a paid satisfied account is reporting charged off.
Product: Debt collection

I've been getting harassing and intimidating phone calls from CCS Collections for some time now and even after I told them that I DON '' T OWE THEM ANYTHING they continue to harass me with unwanted phone calls. I did speak to someone on XX/XX/21 number XXXX but the harassing phone calls continue. They also made harassing calls on the following dates with the following numbers : XX/XX/21 XXXX, XX/XX/21 XXXX, XX/XX/21 XXXX and XX/XX/21 XXXX. They know that I don't owe them anything yet they continue to harass me and my family with these unwanted phone calls. I am XXXX and XXXX and I don't need any added stress. I WANT THESE PHONE CALLS TO STOP!!!!!!!!!!
Product: Debt collection

I was called by Monroe and Main credit department at XXXX! They left a voicemail on my cell phone for a {$40.00} payment that was past due by a few days!
Product: Checking or savings account

The Bank would not let me open an Account and did not give me a reason why it could not be opened. I checked my XXXX account and I do not have anything on my report that will cause me not to be able to open an Account. This happened at Branch XXXX by Banker XXXX on XX/XX/2021.
Product: Money transfer, virtual currency, or money service

I attempted to send send money with this company to a friend in XXXX. I followed the instructions and entered my debit card information. I was prompted with an error and it told me to re enter my information. When I checked my account it had charged me twice for the same transaction. When I asked for this to be fixed they told me that I should have checked my bank before following the error prompt and following their instructions.
Product: Credit card or prepaid card

I received a debit Visa card from USBank ( Reliacard ) with a notice to activate it. I have not filed for unemployment benefits or anything else. I have read that this means I may be a victim of fraud. Calls to all of the numbers I have result in automated responses that don't allow me to go further, or speak to a representative. I have reported to XXXX.
Product: Checking or savings account

How are you, I am going to appeal the finance department of Citi bank customer service, I should receive {$400.00} for new checking and saving account opening based on their promotion, but Citi bank does not honor promise ( case XXXX : The requirement is to deposit {$150000.00} to the new eligible checking account within 30 days of the account opening ). I opened a checking and citi saving account at XX/XX/19, as same time I provided my personal account info ( from XXXX XXXX  ) for transfer {$16000.00} to CITI Bank, but within 30 days they didnt do it, regarding this I called them more than 10 times ; they did apologize for their error that caused to transfer the fund late. Due to their mistake, CITI Bank should give me bonus {$400.00}, but they denied. And they do not want to solve problem. Even when I made call, they immediately dropped out the customer service line for 3 times. I hope that you can get involved and solve my problems as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permissible purpose to publicly report the listed accounts and inquiries. 

Accounts : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I Submitted a Family Court Order From Support Magistrate ; XXXX XXXX XXXX Dated XXXX XXXX, 2015 ( Docket # : F- XXXX, XXXX # : XXXX ) To Experian Asking Them Too Remove XXXX Account Information From My Credit Report. I was Told In The Dispute Answer They Could Not Use The Court Order. I Submitted The Same Order To XXXX and XXXX Credit Reporting, and The Both Removed The Idem From My Report History!