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

On XX/XX/ at XXXX XXXX XXXX XXXX the consumer ) received a phone call from XXXX which said Wells Fargo XXXX his caller ID. The caller identified himself as a Wells Fargo XXXX XXXX XXXX by the name of XXXX XXXX. He told me that my account had been compromised in a large security breech at XXXX and that I'd lost access to my online account. He asked me about fraudulent activity on my account ; a purchase of {$1500.00} in FL, and asked if I authorized XXXX in the amount for {$10000.00}. My answer was NO, I did NOT authorize those transactions. XXXX told me I needed to regain access to my online banking. He sent me text to a link that was as follows : XXXX. Under extreme duress, I clicked on the link and a XXXX online banking page come up. I was instructed to log in. I then received text messages with codes and was told it was a part of the wire reversal process. I came to find that the fraudster was sending a XXXX of $ XXXX out of my small business account. When I realized this was fraud onXX/XX/XXXX at XXXX, I immediately called XXXX XXXX support at XXXX to report what had happened and for the next XXXX minutes was transferred from dept to dept until the call was concluded at XXXX. At the time I was being passed around, the XXXX the fraudster made was still PENDING and could have possibly been stopped. Eventually and lastly, I was transferred to XXXX XXXX Assistance XXXX regarding the fraud. On XX/XX/ I was told by a female XXXX XXXX XXXX XXXX, on a recorded line " to not worry, that the bank will make me whole again ''. Yesterday,XX/XX/XXXX, I received a letter from the claims department Claim # XXXX stating that XXXX will NOT be reimbursing me for the $ XXXX which was fraudulently taken from my account on XX/XX/2023. If WELLS FARGO would have reacted in a timely professional manner, instead of pushing me off from dept to dept for XXXX minutes, they could have stopped the fraudulent activity and recovered my $ XXXX. This is obviously negligence on behalf of Wells Fargo 's fraud department.
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.

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  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: Payday loan, title loan, personal loan, or advance loan

Borrowed {$300.00} paid the {$300.00} plus back and they still tell me I owe {$500.00} how is this possible
Product: Mortgage

On XXXX I made an extraordinary payment of $ XXXX.- from XXXX XXXX XXXX to Citimortgage bank On XXXX I made a regular payment of $ XXXX.- from XXXX XXXX account to Citimortgage bank These payments never showed up in the statements. Around the same time Citimortgage passed the loan to XXXX for servicing the loan. 
In order to solve this matter we talked to XXXX XXXX and they talked to Citimortgage and Citimortgage said that I have to talk to them, witch I tried several times ( about 15 times ) and was impossible to contact Citimortgage, they always send me to XXXX, and XXXX said that this problem is Citimortgage to solve, and again was not possible to talk to them. I want this problem to be solve and to the money to be deposit to XXXX XXXX account. Please help me in this matter
Product: Money transfer, virtual currency, or money service

I am writing to whom it may concern regarding Zelle not properly looking into the disputes submitted to my financial institution. I was a frequent user of Zelle and have n return I was punished and charged fees resulting in me not allowed access to my account. My financial institution and Zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 6024 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a dispute here because I was unable to file a dispute online with XXXX and XXXX, and XXXX. 

Review the attached document for supporting documentation. 

You will find Gross Negligence in the reporting pattern of DiscoverCard. There are several Gross violations being reported to each credit bureau. All violations are labeled for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors and Equifax have been and are reporting inaccurate information on my credit report. The following creditors and Equifax have been and are reporting hard inquiries without verifiable proofs of my consents. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both Equifax and the following creditors asking about the permissible purposes of those hard inquiries and verifiable proofs of my consents. I waited more than 30 days to have the verifiable proofs from Equifax and the following creditors of their inaccurate information and I didnt receive them from all of them. Since neither Equifax nor the following creditors have verifiable proofs of their inaccurate information and it has been more than 30 days since theyreceived the dispute, according to the Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the  following hard inquiries should be deleted immediately. Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. The following creditors and hard inquiries should be deleted immediately are : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because there are still items on my credit that are still mine. Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX CARD Acct XXXX, XXXX, XXXX Acct XXXX and XXXX XXXX XXXX Acct XXXX. I have contacted the FTC as I was advised and my local police. Im doing this on my own behalf. Please remove those items from my credit.
Product: Debt collection

An account with XXXX speedy cash is on my credit report and I did not open a account with them the amount owed is XXXX it was opened in 2014
Product: Checking or savings account

I had an estate account at Ally Bank for multiple years since the passing of my mother. As we wind down the estate, I called and spoke with Ally Bank about making one last disbursement so I could close out the account. I explained how it needed to be done which was identical to the previous disbursement. 

After not receiving the check a week later, I called again on Friday XX/XX/XXXX. They told me it should be in the mail. I received the check a day later and the check was written out incorrectly to the estate that was being closed down. 

I called and spoke with a supervisor named XXXX ( Employee ID XXXX ) who refused to cancel the check and told me I would need to essentially mail and redeposit the check into a closed account and then could file an affidavit indicating that it was done incorrectly and after incurring this expense, I would then be able to call back and have it reissued. 

I asked to speak with another supervisor or her manager. She refused and told me that I could call back and try to get another manager. I then attempted to get help using the Ally bank online and spoke with XXXX XXXX who told me I would need to call and would not/ could not do anything. 

I called back and spoke with XXXX and she looked into the issue and then transferred me to the exact same supervisor, despite my informing the person of the supervisors name and ID number. I proceeded to disconnect the call and have filed this grievance while I look into other options, including legal options.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$130.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX  XXXX Balance XXXX : {$13000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My checking/savings account with Bank of America was closed On XX/XX/2024 with over {$51000.00} in it. I transferred it over from my XXXX XXXXXXXX Account due to the many locations around where I live that I could access my money if needed. Going forward my account was closed all of a sudden and now they will not tell me why even after the account has been fully closed. I am still awaiting for them to send me a check still and they will not say when this will happen. How can they even do this?
Product: Credit card or prepaid card

AMEX Serve card locked me out of my account. I was sent an email stating my account was being suspended minutes after a direct deposit had been made. I have spent hours on the phone and they refuse to even discuss it with me and their only response is to give me a PO Box to write to. I have no idea why they have done this. My rent money had just been deposited onto that card minutes before they did this.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 two payments were sent to XXXX from my account in the amount of {$160.00} & {$490.00} who I believe was scamming online! I told chase about it n they said I authorized the transaction. I called them to tell them I was recently released from jail I had just canceled two cards literally that morning due to fraudulent charges while incarcerated. The rep said this phone call is recorded I told her I know n asked to speak to a supervisor because either she misheard me or I misspoke she agreed then hung up. I was telling her I called earlier to cancel cards  and all the other transactions on XXXX were mine EXCEPT the last two transactions on XXXX. I was literally explaining others situations I was reading from my email from the other victims XXXX I guess she thought I was talking about myself Im not sure. This was the 2nd fraud on my account in 24 hours which is why I was calling in to begin with. I let her know that I was in contact with others who were scammed the same way and I had information for them if needed and she didnt care n said I  authorized all transactions. Im highly disappointed in chase for this Im trying to get back on my feet and this is how they treat a victim of fraudulent transactions its ludicrous to say the least.
Product: Debt collection

I have been checking my credit report on a daily basis for the past few months, as I am in the process of applying for a mortgage loan. XXXX day, towards the end of XXXX, I checked my XXXX report and to my surprise, I saw a collection from XXXX XXXX XXXX ( CACi ) for {$2900.00}. This collection account had never been on my credit report before, despite CACi reporting it was first opened in XX/XX/XXXX. 

I have no knowledge of this account and I am not sure how they obtained my private information, including my social security number. I was not sent any notice regarding this alleged debt which would have given me 30 days by law to request validation & verification of this debt, and/or dispute the debt prior to the collection account being placed on my credit report, pursuant to the FDCPA. 

After finding this inaccuracy on my credit report, I called CACi on XX/XX/XXXX and spoke to a customer service rep. When I relayed that I have no knowledge of this account, the rep informed me its an unpaid credit card account from the year XXXX ...! I continued to state that this alleged debt is not mine and I know nothing about this account. The rep seemed like they were trying to jog my memory and they gave me the name and address of someone who they said is affiliated with the account, who lives in XXXX, Georgia. I have never even heard of XXXX, Georgia! 

The rep told me I could dispute the debt by emailing them, that it would be faster to resolve than using the postal mail. I emailed them the same day. I emailed them again on XX/XX/XXXX since I had not heard anything back. I also submitted disputes online with XXXX, XXXX and XXXX. I called again and spoke with a rep who told me they did not know what I was talking about in regards to the person in Georgia ; that they did not have any of that information in their system. 

Again, I asked them to validate & verify that the debt is mine, to which the rep stated they will return my emailed dispute however it takes up to 60 days. This is not in adherence with FDCPA laws. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) CACi has submitted a debt to the credit reporting agencies without providing validation & verification that the alleged debt is truly mine. They have not provided anything to me proving that this is my debt and that they are legally allowed to attempt to collect payment from me for this debt. They also have failed to report a date of first delinquency ( DOFD ), as it is showing as XX/XX/XXXX on my credit report. This also greatly differs from the year XXXX, which is the date I was told by the first CACi rep I spoke to on XX/XX/XXXX that the account was opened. 

This falsely reported debt has caused my credit score to drop tremendously while I am in the middle of applying for a mortgage loan. CACis illegal reporting of this alleged debt has caused me difficulties and delays in the purchase of my home ; not to mention the stress this has caused and all of the time lost that I have spent trying to have this resolved!
Product: Vehicle loan or lease

According to the Fair Credit Reporting Act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit card or prepaid card

The credit card company refused to increase credit limit by {$300.00}. Was told there would be an automatic increase for on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the issue TransUnion had with credit reporting. I called customer service and they were unhelpful. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrote to XXXX, XXXX, and TransUnion requesting an investigation into items that I believed were INACCURATE, and OBSOLETE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint on XX/XX/XXXX regarding this same XXXX XXXX XXXX account. Complaint ID XXXX, Yet the company respond that the account will be removed and it has not been removed since XXXX. 

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my Equifax and XXXX credit report : Account name : XXXX  XXXX XXXX Acct XXXX Date open : XX/XX/XXXX charge off XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Product: Consumer Loan

I have paid over {$3100.00} in fees and interest on a loan over the last 5 months. 

I took out a Title Loan on my vehicle through Title Max in XXXX XXXX for {$5000.00}. I was told be the representative this a 24 month loan. My payment is $ XXXX over 24 months. At the time I was in a XXXX expecting my pipeline to close. Unfortunately, my loans did not close as expected. 

I have made over 7 payments totaling {$3600.00}. My balance is STILL {$4500.00} from the original loan amount of {$5000.00}. 

I fell behind less than 30 days and Title Max sent me documentation to SURRENDER my vehicle. A XXXX BMW 525XI that I own. 

These company 's need to be fined to the extreme for what they are doing to the public. I thought worst case ... .I pay $ XXXX/mo over 24 months Title Max makes {$7400.00} on the car I own. 

PLEASE PLEASE!!!!!! FINE this company and shut them down!
Product: Mortgage

I am writing to express my continued disappointment in Loan Depot 's inability to appropriately manage my escrow account. This is a failure that originally occurred with last years analysis, was corrected following weeks of explanation, only to occur again with the 2020 escrow analysis. At this stage, Loan Depot has failed to remediate the issue and has ceased all communication ; hence my escalation to you. 

Below is a summary of the issue : - My property sits on two separate lots of land ; one in XXXX XXXX, the other in XXXX XXXX. As such, Loan Depot manages two separate tax lines for me - My semi-annual tax liability for the XXXX XXXX real estate [ XXXX and XXXX ] is in the amount of {$1800.00} which is accurately reflected on the escrow statement dated XX/XX/2020 - My semi-annual tax liability for the XXXX XXXX real estate [ XXXX and XXXX XXXX is in the amount of {$2.00} which is erroneously stated as a {$1800.00} projection in each instance on the escrow statement dated XX/XX/2020 - It appears as though the XXXX XXXX tax liability has been doubled, resulting in a substantial escrow shortage and even more substantial monthly escrow deposit amount increase each month thereafter - As noted above, this is the second consecutive year this has happened - On XX/XX/2020, the new mortgage payment, including the recently analyzed escrow amount, was withdrawn from my account in the amount of {$2200.00} [ up {$360.00} from previous months ] - On XX/XX/2020, a written complaint was sent to Loan Depot expressing my disappointment in their ability to appropriately manage the two tax lines, requesting an immediate reanalysis of my escrow accounts and a refund of the XX/XX/2020 payment overage - On XX/XX/2020, I received a voicemail from a supervisor at Loan Depot who simply read the details of the escrow analysis to me before stating that the complaint was considered closed ; it clearly is not - On XX/XX/2020, I called Loan Depot to escalate the complaint. They stated a manger would call back within 24 hours. This has not happened to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX