23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2015 I refinanced a loan held by Wells Fargo home mortgage company. It was paid in full by the new mortgagor and the excess escrow funds, totaling over {$6000.00}, were to be refunded to me by Wells Fargo. In nearly a decade, every monthly payment due to WF was made early. When the escrow funds did not arrive after more than two weeks, I called on XXXX XXXX and was told that the status of the refund was unknown, but a check 'is usually ' issued within 15 days after closing. After waiting several more days, I called on XXXX XXXX to inquire about the status of the funds. It seems that the bank 's records indicate that the funds were disbursed on XXXX XXXX, and 11 days later their location was still a mystery. ( How the bank did not know that the check was supposedly mailed a day before my call on XXXX XXXX is a head-scratcher. ) As of today, XXXX XXXX, 2015, more than 3-1/2 weeks has gone by and the bank seems unable to account for my money. I have requested a wire transfer of the funds to XXXX of XXXX other WF accounts ... both in the same names as the mortgage, but WF has refused, stating some concern that the mortgage is in XXXX names, so they can not do a wire transfer. XXXX ... .the names on the checking accounts and the mortgage account are the same XXXX people..my wife and I. 

It is becoming clear to me that WF may be holding my money in a float account in order to earn interest on the funds, while paying me zero interest to the funds owners. If every escrow account is similarly held for at least 15 days, and perhaps longer, the total figure is substantial. A bank who invests substantial money in creating software that bounces the maximum number of checks in an overdrawn account ( to maximize the fees they can charge ) gets little benefit of the doubt from me.
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/XXXX I was the victim of a scam involving a person ( s ) who created fraudulent email accounts to misrepresent my real estate agent, mortgage lender and escrow officer. I was under the impression that I was sending the downpayment for a home I am closing on to the escrow officer prior to my closing date. This scammer created multiple fake email accounts as well as had access to all of my home document information including address, total closing costs listed in my contract as well as names of those associated with my loan and their companies. 

This amount totaled {$92000.00} which was wired from my locaXXXX XXXX XXXX  XXXX account to a local JP Morgan Chase account. The fraud was discovered on Thursday, XX/XX/XXXX at XXXX at which point I called my bank and submitted a fraud report and requested a swift recall of the funds. On Friday, XX/XX/XXXX I called the local Chase Bank to inform them of the fraud and attempt to expedite the process by speaking with their fraud department so that they could respond to my fraud claim in order to freeze the account. After countless phone calls and transfers, there has been no response from Chase and no further action has progressed with my claim due to Chase Banks neglect to respond or relay this information to the appropriate department or person.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Capital One concerning their handling of my credit card account after my XXXX XXXX XXXX account was compromised due to a data breach. 

Before the closing my Capital One credit card account, I contacted both Capital One and XXXX XXXX XXXXXXXX and arranged a conference call to ensure that Capital One was fully aware of the situation. Despite this, Capital One reported inaccurate information regarding my usage and balance to the credit bureaus. This occurred because XXXX XXXX  XXXX closed my account and rejected my credit card payments. 

I request your assistance in resolving this issue and correcting the inaccurate reporting.
Product: Checking or savings account

Tried to use my debit card to pay gas, Sunday XX/XX/21. My debit card was declined. On XX/XX/21 I had one card debit go through, and was overdrawn {$20.00}, Huntington charged me 2 over drafts for 36 dollars each for being {$4.00} over the 50.00 limit. I called was told I should have been charged only one. Had to call waited 45 minutes for that discussion with the bank. 
Have pending amounts on my account that take a couple of days to go through, but they put another hold on my account for XXXX for prescriptions denied on pending transactions. XXXX XXXX XXXX, had  XXXX on Friday, 2 month ago in urgent care for blood  of XXXX. Finally got it regulated. Called bank, no customer Service, available, would call me back in one hour and eight minutes. Left the pharmacy without medication. I have a agreement they pay debit card purchases if even over drawn. They instead just deny the purchase and card. I asked about this, on Sunday was told any agreement between me and the bank is at their discretion. They changed cash advance this month, only available if you keep a balance of 200.00 in your account. 
They was changed without sending out notices to customers. Before no balance was required. No reliable customer service, Taking alot of the day just to talk someone. 
They're advertising for bank is disceptive, state what they offer, and change it with little to no notice, or say it's at their disgression. 
Talk to a customer service supervisor, who claimed they used to work for TCF, asking him what was going on, he was belligerent, Rude and told me they could charge as many over drafts on the account that they wanted up to 6 a day at the banks disgression.
Product: Student loan

My name is XXXX XXXX and Im a natural person/ consumer and Im submitting this complaint on the behalf of myself without influence from any third party being involved.
Product: Mortgage

I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was in a XXXX, unable to notice anything happening in my life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXXXX/XX/2021, I tried to come into my primary resident house, and surprisingly, my next-door neighbor XXXX  had taken my house, changed the locks on the doors and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is technically my primary resident house. I heard XXXX XXXX to the neighbors and he said XXXX XXXX XXXX I contacted select portfolio services and they told me to file a complaint to the government.
Product: Student loan

They said that some of the loans got forgiven, but the other loans missed the forgiveness because they got Commercially consolidated. Now that, that's happened the loan servicer has no information of my discharge, so they are coming after me for money back that should of been forgiven. I still have the email they sent me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sold my Bitcoin, XXXX was to be transferred back to my checking acct. As of today, I have not received the money. I have attempted to call and I have sent an 32 email expressing my issue, no response. I have also sent a copy of my complaint to Coinbase Customer Support -XXXX XXXX XXXX, XXXX XXXX -XXXX   XXXX , CA XXXX. I have called their support line 5 times, listened to the automated answering service for 45 mins. Never talked with anyone. I have received a XXXX XXXX from Coinbase 3 weeks ago saying they would send me research and send me an response. I have never received a response. There are many, many coinbase users XXXX  the same issues, waiting for their ACH or Debt refunds. This is unexceptable and should be investigated. Coinbase boast of the millions of dollars of profits for 2017. I just want my money from selling my BitCoin.
Product: Credit card

On XXXX XX/XX/2024, CapitalOne charged me a late fee of XXXX {$25.00}. On XXXX XX/XX/2024, I phoned CapitalOne and spoke with their representatives. They informed me that they are aware of the ruling, and since there was " uncertainty '' of the effective date of the ruling, they will not be complying until legally required to. I then informed this agent of the 60-day from final posting effective date. The agent said they are not aware of this. I then asked if CapitalOne has any information on their side about the effective date. The agent refused to provide such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account ( XXXX  - XXXX XXXX XXXX ) has  been disputed on many occasions due to negligence of a property managment and mishandling of personal information by the company in the time of stay the lease was legally terminated with all cost expunged. I have continued to dispute this error to get it removed from my credit file but it has been to no avail. I need this issue to be resolved
Product: Credit reporting

To whom it XXXX concern, XXXX negative accounts ( XXXX XXXX XXXX, XXXX and XXXX are fraud charges, NOT MINE. see attachment ) on Equifax credit report are incorrect. Filed claim to equifax fraud accounts to be removed on XXXX/XXXX/2015 with enclosed all CERTIFIED RETURN RECEIPT communications with grantors, police report. Equifax is refuse and ignore to remove fraud accounts from my personal credit report without one valid response, this endless investigations time goes on. 
During the last 60 days investigations, Equifax found that they have different personal ID and information on their record, I had to supply my ID and proof of residency twice, every 30 days. Please see attachment. 
When I knew about these fraud charges was XXXX 2015 by a XXXX collection call. I found grantors of the credit accounts through credit report, notified them there are fraud account opened on my name, demand them to close account and validate via USPS Priority Mail Three times to each grantor ( s ). These grantors ignored my request, never responded me ONE TIME till I filed dispute to credit reporting agency. Please attach documents. 
Equifax has not provide me any valid response as of today, meanwhile, it is keeping negative account on my credit report causing me serious harm. ( My normal credit scores is range from XXXX to XXXX. Due to this credit fraud incident, my credit dropped to low XXXX. My line of credit account credit line has been terminated due to low credit scores and yet agency does not fix its reporting timely manner nor cares to read my evidences/affidavit provided to them at all. 
I can not express in word how devastating process it is to go through with Equifax. Their customer service phone responses were, " if grantor said it is valid, then it will have to stay in credit report for 7 years ''. They are not listening to me nor reviewing documents I attached. 
I have notified all XXXX accounts on XXXX XXXX, XXXX and XXXX that they are Fraud accounts, close account effective immediately three times. And phone and XXXX Mail. And Equifax has the attached documents and yet they act as if they are not reading nor hearing it. 

PLEASE REVIEW MY ATTACHED DOCUMENTS, FTC, POLICE REPORT, EVIDENCE OF COMMUNICATIONS, HELP ME TO HAVE EQUIFAX TO REMOVE INCORRECT DATA FROM MY PERSONAL CREDIT REPORT.
Product: Checking or savings account

Back during the XX/XX/2019 time period my card was lost/stolen. The person who stole the card proceeded to utilize the card in the state of Wisconsin making a multitude of unauthorized purchases. As soon as I became aware of the fraudulent transactions, I filed a claim with the bank ( Capital One 360 ) and  explained what happened as well as submitted a police report as well as documents showing that I was not in the state of Wisconsin at the time of the transactions. The bank repeatedly denied the claim based on facts that either were not true or did not have anything to do with my case. I escalated the case as far up as it could possibly go but continued to get the same answer.
Product: Bank account or service

When I opened my KeyBank checking account on XXXX XXXX 2016, there was a sign up bonus of XXXX for direct deposit of at least XXXX within the first 60 days as an incentive. The local branch was at XXXX XXXX XXXX, XXXX, NY XXXX. The teller verbally confirmed that the offer is available for my account and the bonus would post after I completed the direct deposit. I completed the deposit twice on XXXX XXXX and XXXX XXXX. When I emailed customer service on XXXX XXXX, I got an email stated : " no promotion code was added ''. I replied on XXXX XXXX and requested the issues to be solved but get an answer : " we are unable to add a promotion code to your account via email ''. 
The coupon code I used at the branch was : XXXX Attachments is the screenshot of the offers I received through email. 
As of today, XXXX XXXX 2016, this offer is still publicly available on KeyBank 's website : XXXX
Product: Checking or savings account

On XX/XX/XXXX my account was charged in the amount of {$530.00} by XXXX. I reached out to XXXX and requested to speak to a supervisor and was told I could not do so because they could not find any charges. XXXX also told me that I was more than welcome to file a dispute with my bank. I immediately reach out to my bank after speaking with XXXX and a claim was filed. I never heard anything else from Chase in regard to the claim. No one reached out to request any additional information or supporting documents. On XX/XX/XXXX I noticed the claim had been reversed and I reached out to Chase. I was told yo upload the documentation that I had and it would be reinvestigated within 3-5 business days. On XX/XX/XXXX I called Chase to receive an update and was told that they have decided not to reopen the claim has the documents were not strong enough to support my claim. I asked to speak to a supervisor, who then told me that this is a billing dispute in which they do not have the means to recover funds for this type of dispute. I have told them over and over and that the charge was unauthorized as I did not authorize XXXX to charge my account. The supervisor repeated what he said and then hung up in my face.
Product: Credit reporting or other personal consumer reports

I have accounts showing on my credit report that I did not authorize. I have become a victim of identity theft. I would like these accounts removed from my credit report immediately. These are the following companies below. 

XXXX XXXX XXXX # XXXX amount XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. XXXX # XXXX, amount XXXX XXXX XXXX Account XXXX, amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX today XX/XX/XXXX I received a notice via email as I am a member of XXXX XXXX that my credit score had dropped. I looked into it had gone down 72 points overnight. This is very upsetting and I researched further I have disputed a collection it was decided I am responsible it shows as a new collection and also I have an inquiry this is all. I called transition and the customer service rep I spoke to was less than helpful. I am beyond upset I'm working very hard to establish credit and 72 points is a huge hit. I called XXXX XXXX and hope they will help. but I am reaching out because I believe in helping myself. What can I do now?
Product: Checking or savings account

On XX/XX/XXXX, I had XXXX unauthorized charges from XXXX which who, I dont use or do any business with charge my account. I called my bank to lock my card and I waited XXXX hours for charges to post. I called my bank to make a dispute on XX/XX/XXXX with my bank XXXX ( XXXX XXXX. ). On XX/XX/XXXX, they closed my dispute and denied my claim. They sent in a document showing XXXX transactions not affiliated with the charges stating it recognized the flow and determined that I had made those charges. I then filed an appeal on XX/XX/XXXX. It was denied for same reason. I then filed another appeal on XX/XX/XXXX with a police report, a message from XXXX support to contact my back to investigate and do a charge back. My appeal was denied again. They did not answer my questions regarding if they contacted XXXX. They gave me the same generic answer with no explanation. I have escalated my complaints twice to their Customer Advocacy team and was denied again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires below are unknown inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I spoke with the agent, and informed them I have not had service with the company in over XXXX years, and was a member of a data breach that was the result of this issue.
Product: Mortgage

I have previously sent complaint regarding on Specialized Loan Servicing LLC ( SLS ) for the providing the same service XXXX XXXX provided ; when servicing the loan although XXXX XXXX  still own deeds. 

I never received noticed on change of mortgage payment from SLS, and now I accumulated late payments, and a balance since I did not know of change, by federal law servicing companies need to provide 30/60 day notice of any changes to payment. 

Recently, SLS just started sending mortgage statements after almost 2 years of not receiving any statements from SLS ; which is surprising ; when law requires statement ; whether in bankruptcy or not, since disclosure of no intent to collect debt is present on statement like XXXX XXXX  provided. 

Also, I never received notice from SLS that they change there payment address from Georgia to California, so they did not receive one of my payments on time, although they are at fault for not forwarding there mail to new address.
Product: Mortgage

BB & T retroactively placed force insurance on my account, when they asked for insurance information I provided it, my insurance company showed a new effective date, BB & T said since the date did not cover the past 3 months they would retroactively charge force insurance, I told them I did had coverage during that period and requested they contact my agent. The call center told me it was my responsibility and they could not make outbound calls to resolve the issue, it was my problem ... It took me over an hour on hold to speak with a manager, I gave up and ate the cost since it was clear they were not looking to resolve the issue for me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were not authorized by me. They must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint against Portfolio Recovery and XXXX XXXX XXXX due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Portfolio Recovery and XXXX XXXX XXXX have been harassing me 3-4 times a day on top of adding fees and extra money to the total even though i told them i dont remember that debt and to please stop harrassing me. They have even threatened to take my bank account money and repo my car leaving these accounts vulnerable and Furthering my credit down even worse it is seen as derogatory. I have gotten in trouble at work before for the amount of times theyd call a day. Furthermore, their dispute resolution process was unfair and deceptive, Ive spoke to several people and disputed several times they say theyll take it off but never do and it ends up just being raised in amount. These actions have caused significant inconvenience and financial loss, credit drop and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using the US Government 's Social Security Administration 's website, I attempted to create an account. That account is know as : " my Social Security ''. The SSA website will not allow this. Reading at that website about the SSA 's " Identity Service Providers '' or XXXX, Experian and XXXX XXXX, I see that I should dispute a credit report. To do that, I try to obtain an annual credit report first from XXXX. There, one can select any or all of the three credit reporting services. I first selected XXXX. I fill in all the required online information. XXXX  returns a result and my request is denied. I then call the ConsumerFinance.gov telephone. In speaking to an agent, she says to try Experian. I returned to the XXXX webpage and enter my name, and details and ask for Experian. It returns a no-can-do as did XXXX. I have done this for several years and each time, I get a no-can-do. I am trying to establish an online account with the Social Security Administration. I can not do this as I can not see what is missing from my " credit report '' for the Social Security Administration.
Product: Debt collection

After comparing a credit report pulled for a mortgage with my XXXX account I noticed that there are two different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( DLA ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates. XXXX has also reported this same debt.
Product: Checking or savings account

Had a bank account garnishment placed on my account at Chase bank. Garnishment summons/ order granted Chase bank a total of 6 days in which to seize and collect moneys belongingto me. Chase bank unlawfully seized my account for 12 days to seize an additional {$4600.00} that was outside the time constraint on the court ruling. Everyone has to obey the law, correct? By law I'm entitled to have that money returned to me.
Product: Checking or savings account

I have a business checking account with Bank of America since more than 10 years. I recently deposited a cashiers check at an ATM of more than {$5000.00} from a credit union on XX/XX/19. The bank has put a hold on the complete amount till XX/XX/19. I called their customer service line and spoke to XXXX today. I was told that nothing could be done to release the amount earlier because they had not been able to verify the check yet.
Product: Debt collection

A company by the name of ERC have a attached and erroneous debt to my SSn And name. I requested a validation of debt in which they never provided. This is why the account was removed from my XXXX XXXX and XXXX report. I am on sure as to why XXXX made a decision not to remove the false account .According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify-through the physical verification of the original signed certified consumer contract of any and all accounts request to be posted and/or reported on a credit report. A copy of the verifiable, validated proof ( an original Consumer Contract with Wet Ink Signature on it, copies of copies are not Validation and by Law are not considered proof ).
Product: Credit reporting

after disputing the tax lien from my file the bueraus keep deleting it and putting it back on without ANY type of noticfication or validation, i have sent in all of my identity theift police reports and i have asked them to block this from my file