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

XX/XX/XXXX A family trust savings account was opened inside a Truist XXXX bank branch in XXXX XXXX, Ga. The amount transferred from my existing checking on XX/XX/XXXX to open the savings was {$50.00}. 

I banked with SunTrust bank for more than 30 years, before this joint venture called Truist without any problems. I had 2 other accounts with large balances and this savings made 3 active accounts. My accounts with online banking are set up with alerts. I received daily account balances via Emails. 

On XX/XX/XXXX, I received an Email alert that my new savings account had a low balance of {$0.00}. No further explanation. I attempted to log into my account which I had done the even before without any problems and could not get into my accounts. When I attempted to log in, I saw a log in that was not me. That log in began with a " B ''. I continued to attempt to log in and received a message, my account was locked. I called customer service and was asked if I had tried to log on and what happened. I was told to attempt log in again, which I had already started. This time I got into my online account without any problem. Customer support saw that my account was closed and had a {$0.00} balance. They tried to determine what happed but could not find an answer and suggested I call or go to the branch. I went to the branch on XX/XX/XXXX the day the Email was received. 

I spent more than one hour at the branch while many calls were made within Truist to determine what happened. There was no justification. At the branch I was told that the funds would be restored and the account would be re-activated because no one found notes or policy that justified the closure. I was told at that time that further investigations would be had and to expect a call from the service attendant at the branch by the next day. I did not receive a call, therefore I called her and she told me they are still investigating and would get back with me. I have not heard back. 

I contacted the Fraud line on XX/XX/XXXX. The service attendant looked for notes on my account. She found that the account was closed, no justification. The full amount of my deposit of {$50.00} was drawn from the account and a check was issued. Nothing she could do online. Referred me to the branch, again. 

On XX/XX/XXXX I received the first mailed account summary since the account was opened. It verified the account #, the account balance of XX/XX/XXXX of {$50.00}, and statements for XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX I called the Fraud line and asked for an investigation. The attendant found notes that a check in the amount of {$50.00} was in process to be mailed to my address of record. No justification could be located from internal notes as to why the closure of the account and the refund. The check, she said was mailed on XX/XX/XXXX. I have not received the check as of this date, XX/XX/XXXX. 

I was told that an internal " research request '' was established on XX/XX/XXXX to determine why account was closed. The fraud department is expected to get back with me after their research either by Email and/or phone call.
Product: Mortgage

Shellpoint servicers # ( XXXX ) XXXX I'm am currently a XXXX veteran with XXXX XXXX. After Covid-19 forbearance my loan was placed in a modification with a company called XXXX # XXXX. I was supposed to pay 3 trial payments of {$1100.00} in which I actually made at least 5 payments on 2021 They we're supposed to send my final modification papers but they did not send them instead they sold my loan while I was in the middle of my modification to acompany called Shellpoint. Shellpoint sent a statement requesting that I pay them an inflated amount of money. I wrote them a debt dispute letter to which they sent me the same letter just saying they were my servicer and I owed " x '' amount of money. I then went back and sent them papers showing my old loan amount and that I had actually been in Covid forbearance and then modification. They sent me papers asking me to pay them {$1200.00} or so dollars which was more than my agreed amount with XXXX XXXX and saying that I had to start trial payments with them all over again. Which was ridiculous seeing that I had already completed these. They sent me papers as well saying that my estanged spouse who is not on my mortgage loan ( is on title ) had to sign the modification with me in front of a notary. 
I explained that he was XXXX  to myself and to my children and somewhere out XXXX and I do not have an address for him nor feel for my safety that I need to bein my room with him. Their agent told me, " well you need to find him and be in the same room with him in front of a notary and sign and send us the papers '' .I told them that I could not do that and I though it was shameful that they would want to put my life in harns way. I attempted several times to have someone call me and left messages but I never got a call back. Finally I called them again and was told not to submit any workout paperwork to them because it would be denied and that they would no longer accept money from me unless it was the total {$40.00} something XXXX from being in Covid-19 forbearance. I received a letter saying they were going to foreclose on my property to which I sent a debt dispute letter to the law company called. They send me some papers from something I supposedly signed with XXXX bank years ago. I don't know what that had to do with Shellpoint or XXXX.They foreclosed recently and denied a seller that wanted to buy my home. Now they want to also give mean eviction on my credit plus the foreclosure. It's a nightmare. I have XXXX kids with 2 being XXXX. Please look into this
Product: Vehicle loan or lease

My vehicle was repossessed on Saturday and on Monday morning I tried to call and figure out how much I was behind and what I could pay to retrieve the vehicle. They stated they could not give me any information till Wednesday and they need me to surrender my car keys to the towing company within XXXX hours or they will make new keys and charge me for them. I stated I wanted my vehicle back and would pay whatever I needed to but they continued to say they will not give me any type on information till Wednesday. I asked to speak to a supervisor and the gentleman was very rude and pretended not to hear me then hung up on me. 
Further more I think the XXXXXXXX XXXX XXXX XXXX XXXX license is no longer active in Indiana. I feel like theyre doing this to me because I am young and XXXX and to top all this off I am pregnant and this is causing major stress to my baby and this is causing me to miss my doctor appointments. 
Also my vehicle loan has been paid more than 50 % and I owe less than XXXX on the car.
Product: Debt collection

I have been dealing with Transunion, XXXX and XXXX of a medical bill that has been paid but still remains on my credit, I have sent them documentation only to be told that it would remain on account, this item needs to be removed immediately from all three of my credit report, there is a o balance paid in full
Product: Credit reporting or other personal consumer reports

PLAINTIFF : XXXX XXXX XXXX Repeated offender DEFENDANT : BONDED MUST BE REVIEWD BY A HUMAN MUST BE REVIEWED BY A HUMAN VIA XXXX XXXX XXXX REQUEST CERTIFIED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEAR DEFENDANT XX/XX/XXXX MY XXXX NAME READS XXXX XXXX XXXX XXXX MY XXXX ADDRESS READS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX MY XXXX READS : XX/XX/XXXX MY SSN LAST XXXX READS : XXXX My First & Last MIDDLE name are as follows : : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last name are as follows : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX After you have completed my request, please send XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX me a copy of my credit report reflecting these changes. My current address is YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER XXXX WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES ALIAS THATS NOT IN THIS LETTER THAT IS HOUSING ON YOUR PLATFORM! 
AFFIANT .Annilysa-Simone : XXXX XXXX Beneficiary OF ACCT XXXX XXXX XXXX not the TRUSTEE XXXX WITHOUT PREJUDICE ALL RIGHTS RESERVED
Product: Mortgage

Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX I fully expect Wells Fargo to issue their standard Sorry but you are lying response. That is the response we receive on every CFPB complaint we file against Wells Fargo. Well, I have read many other CFPB complaints against Wells Fargo and they all have a common theme FRAUD AND ABUSE. I am sure those complainants also receive the Sorry but you are lying response. That seems to be their standard form letter in response to CFPB Complaints. How could it be possible that all of these unrelated people from all over the country would be lying?? The fraud committed by Wells Fargo does not just happen once in a while. It happens on a very large percentage of short sales across the country. We have witnessed this on a daily basis for the last 10 years. When is the CFPB going to step in and do something about the fraud going on at Wells Fargo? When is the CFPB going to hold Wells Fargo accountable? IF I DID WHAT THEY ARE DOING I WOULD BE IN JAIL FOR A LONG LONG TIME! ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 


There are Debt Validation issues with this loan. Instead of addressing these concerns, and providing an itemized statement of account, Wells Fargo is running to f/c on an elderly woman. The homeowner has opened up complaints to address those issues, but Wells Fargo has pushed response date for these complaints out past her foreclosure date in order that they dont have to give her a response before pushing her out of the property. This has happened multiple times. 

Wells Fargo claims they have not received monies since XXXX. However there was a XXXX in XXXX in which Wells Fargo was paid each month out of those XXXX XXXX payments. What happened with the dispersal of those funds? 

We are asking that Wells Fargo not foreclose on this elderly person until her concerns are addressed. The questions and concerns she has are straightforward and fairly simple. Most recently, Wells Fargo has delayed responding for over 90 days. Why is WF intent on not responding until after the property is foreclosed on? Is something being hidden from her?
Product: Vehicle loan or lease

Several times, I get calls through out the day I ask not to call so many times and asked them not to call so many times they told me they have to call. So right after they would speak to me a co signer they would call XXXX or vice versa and start the process all over like they never spoke to any one. So when the hurricane hit Hurricane Florence they asked if we were okay from storm or etc and advised XXXX that he could do an 3 month extension so he turned in the paper work and then they kept saying oh you have to wait, so they finally called back and said where is the payment, so we explained what happened and they said they see paperwork but it cant be 3 month it has to be a 2 month after to speaking to several supposed supervisors and account managers so we turn in the 2 month paper work and they changed the payment due date, so that was not fine but advised of when we could pay so a few days later a call again telling us we are 90 days behind when that isn't true every time u ask them about there XXXX they say oh now I see the notes, so I asked the balance, they guy says a higher amount and says oh sorry the late fees don't get pushed back with the 2 month extensions so then made an arrangement due to amount being higher get calls again and a rep tells me about my smart a mouth and literally cusses at me. I have never had so much disrespect from a loan provider.
Product: Credit card

I have been getting daily harassing automated calls from Citibank stating I have an unpaid bill. I have called them two times and told them that the transaction in concern has not been made by me and I don't even have a Citibank card. Both times, they mentioned that they will investigate the transaction and as opposed to giving me an update started making the daily automated calls again.
Product: Mortgage

The reason I'm reaching out is due to unable to get help for resolving an issue with the escrow account. This issue starts on XXXX, XXXX when I noticed the mortgage payment will increase on XXXX and shows that they sent a tax disbursement to XXXX XXXX of {$1200.00} for the tax year XXXX. This payment was already made from the title company 's escrow account when we did the closing. I have called the XXXX XXXX department XXXX to check with them about the payment and they confirmed that the received a payment from the title company and they couldn't find a payment from BSI financial services ( the mortgage company ). The XXXX collector department XXXX request a check from the mortgage company to proof the payment, I have tried many different times to get this copy of the check and they can't provide it, only information about the check number and when was cleared but this information is unhelpful since the tax collector office can find any information about this check and they said that if they send a check for tax payment and the taxes were already paid for that year they would have refund it back. I would really appreciate if I can get help on this situation on how I can escalate this problem to get a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am having an issue with a debt which is being reported on my consumer credit files, I have tried multiple times to explain that the account is a mixed file issue, as it is not mine. The company keeps saying they have validated the debt but have not shown me what this validation is. 

Furthermore, both the company and a collection agency they have hired are both actively reporting my file as flagged and active in collection. I am seeking help in this matter to mediate the problem and have the company comply with the FCRA and provide an investigation, provide me with documentation or other material. I am asking for a review of the matter so that I can get some help getting this fixed.
Product: Checking or savings account

Well I have a checking account with chime for the last several months there has been a lot of fraudulent transactions on my account. Chime will not recognize these they keep denying me the money to be put back into my account. My account has been hacked an a lot of money has gone from my account to XXXX XXXX then XXXX. They took over {$1100.00} this month an I live off of XXXX payments. Which is only {$1200.00} a month but there has been over {$12000.00} stolen from my account an chime refuses to refund me any of my money my account with chime has been hacked an they just keep letting them get away with it, I've lost XXXX storage units with all my belongings due to chime not reimburseing my account that was everything I owned which was a total of {$67000.00} an now I will be homeless at the end of this month due to chime.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/2021, I received a phone call from XXXX XXXXXXXX ( the official XXXX XXXXXXXX phone number showed on my cell phone ) which was later determined to be a scam call. A person who identified themselves as XXXX XXXX and provided the following employee number XXXX informed me that my XXXX XXXXXXXX account was deliquent and without payment of {$490.00} via Zelle paid directly to XXXX XXXXXXXX would result in my power being disconnected. 
I asked to speak with a supervisor and was transferred to a person who identified themselves as XXXX XXXX and gave me the employee ID number XXXX. Before I realized that this was fraud, I had transferred {$1400.00} to the scammers and given an investigation number XXXX. I followed up with XXXX XXXXXXXX Customer Service and it was confirmed that I had been the victim of fraud. I immediately filed an investigation request with XXXX and provided all information. XXXX recommended closing my checking account and reopening a new checking account and await the outcome of their investigation. XXXX and Zelle provided no assistance in determining who had created the accounts to which I transferred money and provided no assistance in determining who had committed the fraud. 
There were no warnings from the credit union that Zelle had no protections and I never requested that Zelle be attached to my account. On XX/XX/2021, I received a letter from XXXX saying that my dispute was invalid and the case would be closed. I filed a police report with XXXX XXXX XXXX Police Department.
Product: Credit card

I made my first purchase with Pay Pal XXXX, 2015 and it was a promotional purchase. I 've asked to have my payment post on that purchase, but I learned they have n't been doing that until last month and now this month. The have me calling every month to put that money on that purchase and if I dont call they will place the payments somewhere else. Also I returned an item which they gave me credit for but they refuse to take it out of the promotional purchases and have it collecting interest. How am I going to pay interest in something I returned? I just made the call for this month and was told it was good for me to have the returned purchase still collecting interest. I dont know what else to do.
Product: Debt collection

In 2015 a judgment was taken out against me and someone I co-signed for. The company VELO law office has refused to go after the original signer of the debt and refused to give me information regarding the debt unless I provide them with my location. I called them on XXXX to get more information regarding the debt and began recording the phone call because they refused to give me more information if I didn't tell them where I was living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that SYNCB made a hard inquiry on my report, however, I didn't apply for any credit card from synchrony and affiliates..
Product: Debt collection

Someone called my phone and did not identify herself. She then ordered me to be home at a certain time. She then never arrived at my home nor did she leave contact information. She then called my husband 's place of employment and disclosed my debt. Then she called my phone accused me of not being home and told me I was in trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently going through the process for a Mortgage and my bank advised me there is an account reporting via the CRAs as in collection in the amount of {$7400.00} as of today. It is a JP Morgan Chase Credit Card Account. 

The Derogatory Trade line shows a 12 digit XXXX account number ( that's it ... .seems like it may be missing some numbers for a credit card. ) THE ACCOUNT NUMBER IS NOTED IN THE ATTACHMENT FROM THE CRA... 

I've called and tried to address this via the help number attached to the trade line, but I can not get through the system because it does not recognize my SSN as being attached to the account. I can't get through to a human on this line. 

I went through a successful bankruptcy and all my debts were erased in 2017. This should not be on my credit report as " in collections. '' Chase should have this bankruptcy on record for my other accounts. 

I need a letter from chase to me or my bank indicating the debt is not mine. Otherwise my mortgage will not be approved.
Product: Credit card

I applied for a 0 % XXXX transfer credit card with Capital One, I was planing on using it to transfer a credit card balance of XXXX. I was approved for XXXX. I called them once I got the card to make the transfer, I was told I had to wait XXXX days. When I called after 10 days I was told there was no balance transfer offer approved for me, this was news to me! I called back and spoke to a different person who told me I did have the transfer offer on my account, so I just made the minimum payment on my other XXXX. When I called back to initiate the transfer I was told again there was no such offer for my account. have a credit score in the neighborhood of XXXX, besides my mortgage this would be my only debt. I have a networth of of over XXXX, so not a highrisk customer. 
Because of there missrepresantation I ended up having to pay interest on my othercard which I could have avoided if Capital one had honored the offer I was approved for.
Product: Mortgage

Hello, I am struggling with trying to get a solution to my modification issue with truist bank Suntrust mortgage and obtaining a modification in the situation with my mortgage and they refusing to give me a modification because of some liens that the IRS has put on my personal account instead of applying it to the business that was responsible for the IRS liens and truist/Suntrust mortgage does not see that Ive given them all the paperwork. Ive tried to remove the liens and have moved it to the business, but I have been unsuccessful with the state removing them and having them moving to the business side of the what they should but the information is incorrect for being on my personal lien report but I need help with my mortgage, but I can not get it because truist/Suntrust mortgage will not give me a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$650.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$650.00} {$550.00} Payment Info Status Charged off as bad debt Status date XX/XX/XXXX Past due amount {$650.00} Highest balance $ XXXX  Monthly payment - Late payments - No payments have been reported on this account. 
Additional info Responsibility Individual account Terms - Company sold - Original creditor - Account currently reporting monthly