23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022 I made a withdrawal of {$750.00} out of my banking account with my debit card. After about 3 hours, I received a call that showed up as Wells Fargo which is who I banked with at XXXX. The phone number was ( XXXX ) XXXX which I have the call log for. While I was talking on the phone the lady was informing me that they noticed a charge used in XXXX and if it was me. I said no that wasn't me, so they said ok they will freeze my card and they would replace it. During the call, she was telling me personal information about me to prove that she was legitimate. Personal information such as my address, my first 6 numbers of my social security card, and other info, so I believed her so when she asked for my PIN, I didn't think about it and gave it to her. Shortly after, she said I would be receiving a confirmation text with a code and to give her the code and to also not log on my banking account. During this time, I had a gut feeling something was off so I didn't tell her that text code. I then told her that I would call the bank on the back of my card or a number listed online. She was trying to say that she was legitimate and she kind of seemed desperate to keep me on which was a red flag. I hung up on her and immediately called the back of my card and informed them of the issue. After about 2 hours on the phone, the representative closed the account and made a new account for me. While I was looking at charges on the app to figure out what they did. I noticed they withdrew {$240.00} from my banking account and transferred my savings into my checking which I am assuming that was why they wanted that text message code that luckily I didn't give them. I was really fortunate on taking out that {$750.00} because they couldn't take out more than the {$240.00} due to the daily limit. When I looked at the details of the changes, it showed that the charges were done at a ATM in XXXX while I was at work in XXXX. About 1-2 weeks later, I received a notice from my bank saying that the charges were made using with my card and the PIN that I dumbly gave them so they said it must of been me or someone who had my debit card. I still had my card so that wasn't true, however I did ask for a replacement for my debit card which I didn't receive at all which was suspicious. I am not sure if they skimmed my card somewhere or used my replacement card. When I called the bank fraud line to dispute it, XXXX said unfortunately he couldn't help and that it wasn't possible for them to copy my chip so it must of been me that made the charge. If it was me, why would I do another withdrawal and go do the extra steps to transfer my savings to my checking when I could of just done them through my app.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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

Since my initial complaint ( Complaint ID XXXX ), the bank has since revoked provisional credit from another dispute and is now stating that I am responsible for a total of {$1100.00}. RE : Dispute Case ID XXXX, Dispute Case ID XXXX, Dispute Case ID XXXX, Dispute Case ID XXXX On XX/XX/2021, I attempted to make a payment of {$140.00} to Afterpay using my Citi credit card. I received a notice from both Afterpay and Citi that my payment was declined. As a result, I used another credit card to make the payment. On XX/XX/2021, I saw that duplicate debits ( four ) of {$280.00} ( double the amount of my payment ) were posted to my Citi account. However, my Citi credit card was not used to make the payment and my Afterpay account does not reflect any payment using my Citi card on XX/XX/2021. My Afterpay account has never exceeded {$560.00}. There seems to have been some type of glitch in Citi 's system and I am not responsible for {$1100.00}. I provided Citi copies of my Afterpay receipt, electronic payment log, and payment schedule proving that my Citi card was not used to make the payment on XX/XX/2021. The evidence was sent to XXXX on XX/XX/2021 and Citibank Customer Service XXXX  XXXX  XXXX, XXXX XXXX SD XXXX via certified mail on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX  {$450.00} XXXX XXXX XXXX XXXXXXXX XXXX  {$1700.00} XXXX XX/XX/2XXXX XXXX XXXX XX/XX/2023
Product: Checking or savings account

Opened and account with Citizen 's Bank in XX/XX/2022 with a promise for a {$300.00} welcome bonus with a direct deposit of {$500.00} of more. Received a {$500.00} direct deposit in XXXX of 2022. Never received the account bonus, and the account was closed by XXXX 's, therefore leaving me unable to receive the bonus as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

for no reason at all they drop my cr score -33 pts
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX FCU Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. {$300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$300.00} Credit limit {$15000.00} Highest balance {$15000.00}
Product: Checking or savings account

I had fraudulent charges made on my debit card. It is a joint account from Chase that I have with my husband who I am separated with. I had not yet closed the account and he had his card information stolen. The card had several fraudulent transactions made adding up to {$1000.00}. The charges were made between XX/XX/XXXX and XX/XX/2018. When I realized the transactions were not from him I went to the bank and had his card canceled. The bank made a dispute and I was refunded for the transactions on XX/XX/XXXX. Then on XX/XX/XXXX I was shocked to see that they denied the claim and charged me again for all XXXX transactions. I tried calling to figure out what happened and they said I had not reported it soon enough and there was nothing I could do to get my money back. Then I went into the bank and talked to a banker who gave me a number to escalate the claim. I went through this process and in the end they wanted to call him and ask him some questions. That never happened. Then I went into another Chase and stayed there while a banker tried to help my figure out what happened. I said clearly it is fraud. All of these transactions were made in XXXX XXXX and the actual card is with him in Texas where he is making transactions on the exact same days. How can he be in two places at once. They said he would need proof of him being in Texas those days and that the transactions made were not enough proof. So we sent in his school enrollment. They said that was not sufficient proof of where he was and that they would need a time stamp in order to reopen the case. His school does not have time stamps and he is not working there. They also said a cell phone bill with locations of his whereabouts would not be sufficient proof. I am sick of getting the run around and just want to get my own money back as Chase bank states they refund under fraud protection. I have been trying to close this bank account with my soon to be ex husband but I cant close it until this case has rightfully been refunded. 
I am making this complaint by myself because it was my personal money that was stolen out of the account and even though the fraud was from my ex husbands debit card, he is not helpful in helping it get refunded.
Product: Mortgage

Chase incorrectly applied one of my payments to principal instead of payment and they have been hanging me late fees ever since. I have tried to fix this 3 times! In addition, I believe that their XXXX  has caused me to miss an important mortgage reduction offer.
Product: Mortgage

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Select Portfolio Servicing - SPS Loan Number XXXX XXXX XXXX Select Portfolio Servicing is engaging in Mortgage Service Abuse, Unfair Business Practices, BREACH OF IMPLIED DUTY OF GOOD FAITH AND FAIR DEALING, VIOLATION OF XXXX XXXX XXXX  XXXX XXXX ; Dealing in Bad Faith with deceptive and misleading practices. 
SPS engaging in Mortgage Service Abuse, Unfair Business Practices, Dealing in Bad Faith with deceptive and misleading practices causing a great deal of senseless stress and mental anguish by their action by feigning a Loan Modification and engaging in attempted equity thief by dragging their feet designed to increased cost and fees and unjust enrichment. 
SPS acted in Bad Faith by knowingly and purposely created a repayment plan the XXXX XXXX could meet. 

In XX/XX/2020 the homeowner contacted SPS to inquire for mortgage assistance and was told by an SPS representative that he would be placed in a 90 day no play plan due to Covid- 19 and that at the end of the plan the loan would be adjusted /modified by the recommendation of SPS. In one conversation with an SPS the callus representative the representative stated you dont own this house ; it is the Bank property. Causing the homeowner severe stress necessitating the XXXX session of XXXX  health homeowner to XXXX counseling sessions. 

In XX/XX/2020 the homeowner attempted to resume the regular monthly PITI payment of {$2700.00}. However, the payment was rejected by SPS presentative saying that the payment needs to be made by mail in check or money order only, causing additional fees and delinquencies. Their Bad Faith behavior tactics of stalling delaying, deflection and denying thereby not allowing for the homeowner to receive a fair and just loan modification review. 
Next, the Proprietary Trial was denied because Insufficient Monthly Payment Reduction we could not reduce your principal and interest payment. However, you provide any NPV inputs, showing what the existing principal and interest payment is, what interest rate is, what principal and interest ( PITI ) payment is {$1900.00} vs the proposed {$2000.00} PITI payment, a mire difference of {$94.00}. We demand that SPS provide the calculation for income use to compute the {$7400.00} used by SPS as the homeowners income is an average of {$8500.00} a month, additionally request a review for any other programs as well as Proprietary Trial Modification. 
Upon appeal SPS sent correspondence dated XXXX XXXX XXXX Repayment Plan as follows : Total to Reinstate {$61.00}, XXXX Regular Pay Due During Plan {$32000.00} = 12 payments of {$2700.00} Total Repayment Plan Amount {$94000.00} Plan Payments 12 12 monthly payments of {$5400.00} Plus, the regular monthly payment of {$2700.00} Total monthly pay of {$8100.00} While in the attached the monthly income stated in SPS correspondence in response to CFPB Complaint # XXXX dated XXXX XXXX shows a monthly income of {$7400.00}. That {$750.00} more that his total monthly income. 

SPS acted in Bad Faith by knowingly and purposely created a repayment plan the XXXX XXXX could meet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about  XXXX . At some point in the past, a bankruptcy ( chapter  XXXX  or  XXXX , I ca n't remember  ),  appeared on my  XXXX  report. I have never filed bankruptcy. This TANKED my score.     I have submitted request after request to dispute this information off my credit report, however they did not listen after multiple attempts. Frustrated, I looked up on  XXXX  as to whom it could possibly be, most likely 'someone with a similar name ' given that the bankruptcy was being reported in  XXXX   XXXX  GA.     In the attachment, you 'll see the Intelius results for another individual with my EXACT SAME NAME who lives in  XXXX . The first, myself, is listed in  XXXX  because I worked briefly for a company called  XXXX ,  XXXX   XXXX  from  XXXX  to  XXXX  which was based in  XXXX   XXXX  GA. I worked for them FROM HOME (  XXXX , WI  )  as a telecommuting employee, as did MANY others. There was another employee who lived in  XXXX , WI, one guy in Texas,  one  guy in  XXXX , a few in other places around the world. We all had our specialty and we all kept regular business hours and communicated via  XXXX .     For whatever reason, some public record crossed with this individual who is associated with  XXXX  University or health care for some reason. I have never been involved in that industry. This individual most likely declared bankruptcy, and it was reported on MY credit report.     At any rate,   XXXX   has refused to do anything about this. They keep verifying it is accurate, despite me writing them, emailing them, calling them, submitting disputes, and finally it 's come to this. I am FED UP with them, as I have not been able to acquire decent credit for a substantially long time due to this.
Product: Credit card or prepaid card

A company net spend has created a card in my name without my permission, consent, or prior knowledge of. The card has yet to be activated but is still fraudulent as all their company lines go to other fraud offers and contain no real person to person interaction.
Product: Checking or savings account

XXXX Chase Bank : I wanted a fraud alert placed on my Chase Checking account, XX/XX/XXXX ( XXXX XXXX  ). 
The account was hacked by a online provider/XXXX 

I had to close account for continuous fraud activity. 
I downgraded Bank Card to ATM card. 

I was a valued Chase Bank client since XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was notified my info was in a XXXX data breach and to check my reports for fraudulant or or inaccuracies on my report. I reached out to all XXXX credit bureaus and some inquireis were removed but many still remained. 

Under FRCA 1681 USC 15 everything must accurate and verifiable. I never gave consent to these companies to pull my credit, yet Transuinion, has refused to provide me with access to online free credit reports to freeze my report due to their system consistantly be unable to load and to try again another time. 

The following inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and TRANSUNION have blatantly violated my rights to protect my privacy and left me without any help to rectify this. 

I want these these unauthorized inquirieis removed from my credit report or I will request for monetary compensation for the outright violation of my consumer rights.
Product: Mortgage

I applied for a loan modification with PHH Mortgage and they sent me a letter back " Decision on the Request for Mortgage Assistance '' that I am not eligible according to guidelines of the owner of my loan XXXX Bank XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was using Gemini App to transfer some cryptocurrencies to my brother in another country and I made a mistake pressing wrong button on their app and my account got frozen with my capital and money in there. We are still struggling getting response from them and there has been 1 week since the incident happened. Nobody has responded except for an automatic response from them saying they will carefully review this matter which it has not happened yet. I transferred a total of {$7000.00} on XX/XX/XXXX and make 1 or 2 transactions since there is a limit of {$1000.00} daily. I press button of adding funds from my checking account and I cancelled that transaction on my end since was a mistake and they froze my account since then. An error can not be a reason to loose funds. That is totally unfair. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked Bank of America and XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

BK OF AMER XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Mortgage

I have been having a problem with my escrow account for the past 12 months. When we set up our mortgage on XX/XX/XXXX, in our Initial Escrow Account Disclosure Statement ( Attachment 1 ) it stated that our property taxes would be dispersed in two installments. The first installment was scheduled to be taken out in XX/XX/XXXX. The second installment was scheduled to be taken out in XX/XX/XXXX. Our mortgage company Nation Star Mr.  Cooper instead dispersed the full amount in XX/XX/XXXX causing a shortage in our escrow account. In XXXX of XXXX we spoke with XXXX XXXX of Nation Star Mr. Cooper and after discussing their mistake we agreed to allow the shortage for the year of XXXX, despite the fact that this significantly raised our monthly mortgage payment. Mr. XXXX assured us in an email on XX/XX/XXXX ( Attachment 2 ) that the following year our property taxes will be dispersed in semi annual installments. 

In XX/XX/XXXX we received our tax bill ( Attachment 3 ) that showed the option of paying semi annually or in one full installment. We decided to be proactive and verify that our property taxes would be paid semi annually by calling XXXX XXXX of Nation Star Mr. Cooper to confirm what had been arranged with Mr. XXXX the previous XXXX. She assured us that their previous mistake had been corrected. Ms. XXXX assured us of this over the telephone and in several emails ( Attachment 4 and attachment 5 ). She  assured us that the first installment was already made and that the second installment would not be made until XXXX. On XX/XX/XXXX the second installment was made, though it should not have been made until XXXX. This mistake once again has caused a shortage in our escrow account. I contacted Ms. XXXX on XX/XX/XXXX and she told me that she shared my frustration and that she is working on resolving the problem and that we would get a refund of the second installment. After several days we had not heard from Ms. XXXX and on XX/XX/XXXX I sent her an inquiring email to which she replied on XX/XX/XXXX. Ms. XXXX 's reply stated that nothing could be done about this matter.
Product: Credit reporting or other personal consumer reports

I am sending to dispute a fraudulent charge and request an immediate investigation into this Items listed I have identified this charge as fraudulent, as I did not authorize or initiate this transaction, nor did I open this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, and I'm sending this complaint by myself. I'm not swayed that the Bureaus and creditors were efficiently pleased with the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on WELLS FARGO. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : WELLS FARGO XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$1400.00}