23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

I made a payment to Chase on XX/XX/2016. This payment was lost by Chase. The replacement payment was made in timely fashion and I supplied Chase with proof that the original payment was made timely. To date Chase has refused to clean up my credit in spite of the fact that an explanation and proof of timely payment was provided.
Product: Money transfer, virtual currency, or money service

XXXX ) From XXXX, I tried to withdraw the money ( {$25000.00} ) from XXXX account to my XXXX account which the fund is from. I did withdraw back {$24000.00} ( which is minus {$5.00} from XXXX ) JUST FINE. The thing is I didn't want it to be transferred two times but it did and I don't trust it any more. So I wanted to transfer back another {$25000.00} back to my account but it is restricted. THE PROBLEM IS CHASE ACCOUNT IS UNDER MY HUSBAND 'S NAME ONLY. When you transfer money from it, you didn't ask it should be under MY name. And now you're restricting me to transfer back? It asked my ID and the selfie several times as a process and it didn't allow me to withdraw the money back. XXXX ) I inquired XXXX customer service but couldn't pick up the phone from them on XXXX Anyhow after I sent another ID and the selfie and tried to withdraw a few times, my account is restricted. XXXX ) Because of the restriction, I have requested a call from XXXX XXXX. Finally, on XX/XX/scrub>XXXX, I got the call from XXXX and they said my information is different and I need to send my ID and the selfie and then they will help let me know what to do next. After I did all that and called them, it says the case is closed. What the XXXX?? XXXX ) IF IT IS BECAUSE THE ACCOUNT IS UNDER MY HUSBAND 'S NAME ONLY, I CAN PROVIDE OTHER ACCOUNT INFORMATION THAT IS UNDER MY NAME. PLEASE RECTIFY THIS ASAP. I'M IN NEED OF MONEY BECAUSE OF THE RECENT FIRE SITUATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Army/Airforce Exchange XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX I had obtained my free annual credit report to review the information. I had seen that my account for this line of credit ( XXXX XXXX ) shows it was delinquent for these three months. It should have cleared out no later than XX/XX/XXXX. The reason behind this is because it was a requirement upon exiting the Military to pay off any debts that were owed- this included the XXXX XXXX It was paid off and was negatively reflected in my credit report as having 3 delinquent months which should not be. I do have my release documentation that shows when I was honorably discharged and I have documentation with a signature stating that I owed nothing to the military and was able to process out.
Product: Vehicle loan or lease

Ive been actively trying to resolve this concern with Chase bank for the longest time since I was reported late 30 days, twice, on my credit report due to no fault of my own. 

I have spoke and confirmed this with a Chase representative who agreed with me the system Chase uses is false and leads to misinformation regarding accounts. 

The Chase system does not show correct account activity when payments are made to their Auto Loan accounts until the entire balance is processed on its own. 

Since the beginning of the lease, Ive had nothing but trouble trying to have my payments made and processed through chase without being charged some late fee when my payments are made on time. 

Back in XXXX 2018, I noticed the payments I had been sending to Chase for my car were not being reflected on the balance. My car payment due is {$270.00} each month, if I submit a payment for {$170.00}, that payment does NOT get applied to the balance whatsoever. It will STILL reflect an amount of {$270.00}, instead of {$100.00} thats is owed, which is misleading and completely not fair. 

It leads me to not know exactly how much is due after processing payments because even under recent activity, it does not show the past payments Ive made on the account. Only payments Ive made months prior show up and not recent made payments. 

Its not fair Chase does not apply the amounts Ive paid to my car to help show the right balance due on my car, this purposely misleads customers like me and we end up being penalized for not paying when weve processed multiple payments to our loan. 

I should have not been reported late 30 days for a past due balance of {$30.00} when I had made those payments and if chase updated the balances correctly customers such as myself would not have been reported late. 

Im kindly asking for chase to review and kindly update my credit report to reflect good standing due to bank errors that dont seem to get resolved.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I HAVE BECOME A VICTIM OF IDENTITY THEFT. RECENTLY CHECKED MY CREDIT REPORT, AND I NOTICED NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES CREATED BY AN UNKNOWN PERSON USING MY IDENTITY, WITHOUT MY AUTHORIZATION OR KNOWLEDGE. MY PURSE CONTAINING MY, ID, DRIVER LICENSE, AND SS CARD WERE STOLEN XX/XX/XXXX XXXX XXXX  DURING MY CEREMONY CELEBRATION AT MY HOME AND NEVER RECOVERED .THESE TRANSACTIONS ARE THE RESULT OF IDENTITY THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT. 

EQUIFAX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX  \ XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are charge off accounts on all 3 of my credit reports please see attached credit reports to show the accounts with balances that are not mine I should only have a mortgage and closed paid as agreed credit card accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate these accounts because they are reported wrong and they are not mine. You should corroborate your information and remove these accounts. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. DELETE the accounts below : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/2018 Asset Amount : {$0.00}
Product: Mortgage

I applied for the COVID Act for mortgage relief. I started XX/XX/XXXX, in XX/XX/XXXX I started the modification process, I am still trying to complete my modification. Each time I submitted required documents, PHH Mortgage bka Ocwen Mortgage would require additional documentation that was never initially included. This has gone on for months. The latest incident, I was asked to complete a marriage affidavit after my modification was in review to be completed. First I am not married and my parents are on my loan, so I know it was for parents however, they have for 50 yrs, why would you need an affidavit as if something has changed. So this has once again delay my modification process. They sent me the copy of the modification as if I received it before but I had not, once I opened the document it had my name and account number noted on the form but there was someone's address on the form. They encouraged me to sign it however I would not because my address was not listed on the required document that they claim I need to sign for my modification. Now I have to wait 10 days to get the corrected document which again delays the process of completing my modification. PHH Mortgage bka Ocwen Mortgage has done a horrible disservice for the mortgage industry and home owners. I have been stressed out for months to get this modification complete.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX. Equifax is playing games as Ive already included these documents in my first complaint. This is a total joke. They need to be held accountable for noncompliance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Mortgage

" funds received '' of {$1000.00}, on XXXX/XXXX/XXXX as Doc XXXX shows under " activity since your last statement ''. same statement dated XXXX/XXXX/XXXX under " important messages '' part of which reads " starting XXXX XXXX, XXXX checks will be sent for all refunds, regardless of amount. '' no check but, a credit to my account. Wells Fargo did not do as statement reads. same mailing as Doc XXXX & XXXX explain the reason for refund and a credit ( not a check ). Wells Fargo did not allow me to be in control of the money they took from me. then after getting caught taking my re-fund they decided to add the amount to my principle. I feel it was not right for Wells Fargo to make this decision without my consent via the above rule that they stated in writing about overages. 
Wells Fargo added insult to injury as Doc XXXX show a " XXXX '' for {$1000.00} as received XXXX/XXXX/XXXX in which I had to pay taxes on the amount credited it the principal of my loan, which was a loss around {$200.00}, that I would have gotten back on my taxes. 
Doc XXXX shows more interest income for {$24.00}. I believe I have never received that refund, and I had to pay taxes on that amount as well! 
Wells Fargo has taken money from me, returns it to me but, decides to pay on the principle of my loan which benefits them ; and only after getting caught then you know what those nice folks did next, why yes, I have to pay taxes on the money they took form me, and already paid taxes on to pay the taxes again. Therefore, the end result was that I paid taxes twice on two different amounts, I believe that is double dipping and I am sure this is not legal. Also, they did not follow their own written policy regrading overages and refunds. 
When I called Wells Fargo on XXXX/XXXX/XXXX to inquire about this concern I was told that, " well sir we could sent you back the payment you just made at the XX/XX/XXXX ''. I thought, no thanks if I took that offer I would have to pay taxes on that in XXXX. During the same conversation they had the audacity to ask if " would you like to refinance with us '' not now but thanks for nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair XXXX XXXX  act XXXX  Alcourt my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions 1. XXXX XXXX XXXX XXXX  Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 2. XXXX XXXX XXXX Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 3. XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies 4. XXXX XXXX  XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 5. XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 6. XXXX XXXX  XXXX  XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 7. XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 8. XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 9. XXXX XXXX  Business type Mortgage Companies 10. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 11. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 12. XXXX Personal Loan Companies 13. XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus reporting as delinquent. My account is in forbearance and is up to date with payments
Product: Money transfer, virtual currency, or money service

I use Western Union money orders to pay my rent. Several months ago, my landlord took me to court saying I owed him rent and I traced the money orders. When I got the copies back, I saw that they had been altered ( the name they were made out to and the signatory had both been changed ). I notified Western Union and they forwarded requests to the banks that cashed them to credit the money back to me. These were obvious forgeries. Information on the money orders was missing, probably because they had been bleached. The bank should have known looking at them they it should not cash them.

Western Union notified me that it will not order the affidavit of forgery because the money order is more than a year old. But I had no way of knowing that the money order had been stolen and cashed before the landlord sued me and gave me a rent breakdown. Even in the court papers, the landlord listed the wrong months as being owed. I do not think the time period for claiming fraud starts running until you learn about the fraud. I contacted Western Union less than a year after I found out the money orders had been stolen.
Product: Credit reporting or other personal consumer reports

Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$490.00} Date XX/XX/XXXX First Class Letter {$0.00} Certified Mail {$4.00} Tracking Number XXXX XXXX XXXX XXXX XXXX Return Receipt Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX The Mail Arrived XX/XX/XXXX at XXXX XXXX This instrument continues to be the possession with NO Action or update as of XX/XX/XXXX. 

The Return Receipt was Delivered to XXXX NJ XX/XX/XXXX confirming that this instrument is in the possession of XXXX. 

XXXX a phone call was placed to XXXX about negatively reporting a 30 day late payment when in fact they were and still are in possession of this instrument. The Representative said they would investigate and get back to me they have not as of this date. 

I was again caused harm by another report of a 30 day late payment in XXXX with an error on XXXX processing and retracting payment and given a negative mark of credit reporting... 

I have since paid this Loan off no withstanding of not trusting XXXX to do the right thing by correcting this malicious fraudulent transactions
Product: Credit reporting or other personal consumer reports

" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''
Product: Money transfer, virtual currency, or money service

Western Union I made money transfers listing myself as the reciever. I did not pick them up Within 30days then Im told they no longer have access to the transaction they would need to further investigate the matter. With there back office They sent a few letters as this concerns a few transfers of which for were for XXXX $ And 4 for XXXX $ .after repeated inquiries from me stating that the money was paid correctly. I am the sender and the reciever. I repeated told them I have not picked up my the money then after so much time passed they state that the money transfer has been picked up. I ask them by whom they respond with the person listed I once again inform them that I had not picked up the transfer. I then ask them to provide the merchant location where the transfer was paid out. they refuse stating its confidential. I Have told western Union time n time again I am the sender and the reciever and I have not picked up these money transfers. They just dont care. Im out {$1800.00} total from these unprocessed money transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I called Citibank regarding the yearly fee ( approximately {$95.00} ) for the XXXX XXXX XXXX. I had XXXX ThankYou points ( approximately {$350.00} ) associated with this account. I inquired if there was a Citi bank card with allowed me to maintain my ThankYou points and did not have a yearly fee. Citibank then informed me that I would be able to open a XXXX XXXX XXXX card which would not have a yearly fee and would allow me to maintain my ThankYou points. Based on this information, I closed my XXXX  XXXX XXXX card and opened the XXXX XXXX Preferred card with the assurance that my ThankYou points would transfer over to the account. 

In XX/XX/XXXX, I planned to utilize the remaining ThankYou points and was notified that all the ThankYou points expired. I was then informed that the XXXX XXXX card could not hold ThankYou points. The only reason I opened an account with the XXXX XXXX card was to maintain these ThankYou points.

The misinformation provided to me regarding the benefits of the XXXX XXXX card ( e.g., maintaining ThankYou points accrued by the XXXX XXXX card indefinitely ) had made me lose {$350.00} in value. Several attempts were made ( calls to Citibank ) to recover the lost XXXX points or {$350.00} value however was repeatedly told they have all expired, even though I was informed that this would not be the case. 

Additionally, attempts to acquire my ThankYou account number to better resolve the claim have been further delayed by Citibank which may help further progress my complaint to recover this lost money ( statements of old XXXX XXXX account was requested a month ago however, have not received the mail yet ).
Product: Money transfer, virtual currency, or money service

Hello, I transferred money from cash app {$500.00} to my checking account. It supposed to take 3 business days but i don't received any money till now. I contacted cash app and my bank. The cash-app company said that the transaction went through and bo errors . I contacted my bank and there is no transaction came to my bank. And now am fighting with cash app to refund my money and they told me there is no errors again. I need your help to sue the cash app company. I need your support please thank you.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred, despite having sufficient funds when transactions were authorized. I was charged a fee due to a lagged posting of charges and credit. This issue aligns with the recent CFPB finding against Navy Federal for similar practice, where transactions settle with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction
Product: Credit card

I have a Discover card account, have had it for years, last XX/XX/2016 some fraudulent charges appeared on my account, i called discover told them i hadnt made the charges, they took all charges off, a month later i received mail saying that i was liable for charges that i did not do, i contacted them and they said for me to get a police report I sent them a police report and they still would n't take the charges off, they say a call came from my cell phone to verify charges, i have no such phone call on my phone records, I had XXXX email them a copy of my phone records that do n't show the said call and they still say I 'm liable, this is XXXX dollars they want me to pay them that i did n't do
Product: Credit card

XXXX keeps going on my acct, vendor was suppose to stop the billing.