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

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. XXXX EQUIFAX/ XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES. 

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. XXXX EQUIFAX/ XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES.
Product: Money transfer, virtual currency, or money service

I have initiated a domestic wire transfer of {$12000.00} on XX/XX/XXXX and I still don't have access to that money even today which is XX/XX/XXXX. Initiating bank is Wells Fargo. I am both sender and receiver of the wire transfer. 

I called ten times on the status and all I got for the first 4 business days is that it can take 1 to 3 business days and I have to wait until that period is complete. I asked them multiple times to tell me if there is a problem and I can verify information is needed. No knowledgeable rep answers and all they tell you is it can take 1 to 3 business days.

They let me open an investigation after completing 3 business days and still no answers. I asked them to provide wire transfer confirmation page which lists all the details including the account and routing numbers and they said they will request the appropriate department to email me the copy and I still dont have it. 

I called the recipient bank ( XXXX bank ) multiple times and they said they dont have any info of that wire with the given federal reference number and I need to talk to Wells Fargo bank who initiated the transfer. 

Its been exactly one week now and I dont have acess to my money nor I have any information. All I can do is to wait for the bank to finish the investigation which can take 10 business days. 

This is unacceptable as both are domestic banks and as a customer I need to be able to get answers. Wells Fargo charged me {$30.00} on the same day and I still dont have access to my funds.
Product: Checking or savings account

On XX/XX/XXXX I opened an account with Chase, utilizing a coupon that would earn {$300.00} for opening a checking account and setting up direct deposit, and {$200.00} for opening a savings account, and depositing $ XXXX within 30 days, and maintaining that balance for 90 days. If one opens both accounts at the same time, and completes qualifying activities, one can earn an additional {$400.00}. 

I opened direct deposit on the checking account, and my first paycheck hit the account on XX/XX/XXXX, and it ran for several months, and I got the {$300.00} for new checking on XX/XX/XXXX, all good. 

For the savings account, I funded it with XXXX $ XXXX payments over a few days, and had it fully funded to {$15000.00} on XX/XX/XXXX, and maintained that balance until XX/XX/XXXX. I never received the {$200.00} for opening a savings account and maintaining the account balance, and I never received the extra {$400.00} bonus for completing both qualifying activities.
Product: Credit reporting

XXXX XXXX rep told me my request was approved that on XXXX XXXX would have no late payments on my report with any of the credit company 's I asked them 2-3 times if he was sure and he assured me
Product: Checking or savings account

I have been having issues with several of my online banking accounts as well as internet services. I had funds removed and I saw on yesterday were my Chime account was altered by a person who was not an account holder. The facts and figures had been changed and money was taken by a identity theft and for some time other accounts the same has happened. XXXX was stolen by someone living in XXXX XXXX  and it was opened XXXX I never received a card. Also my XXXX account the same money was missing from it. I had several phone accounts in the same suspect also my XXXX  internet had been hacked and I have had multiple issues with equipment and hacking, spying and scamming. Reported nothing done lies and charges that were not justified.
Product: Mortgage

My mortgage was sold to Loan Care several years ago. After the COVID pandemic, Loan Care mailed me documents to facilitate lowering my monthly mortgage payment through a program they call a Flex Modification. I called Loan Care and told the representative that I accept the Flex Modification offer. I then set up automatic payments in the new monthly payment amount to Loan Care from my credit union account. After 3 monthly payments were received by Loan Care, I received a notice from Loan Care demanding that I pay the last 3 mortgage payments plus the next month 's payment to avoid foreclosure on my home. When I called Loan Care to find out why all my payments were ignored, the representative stated that each of my mortgage payments were XXXX cents short. For XXXX cents, they are threatening to take the only house I've ever lived in. I have called them multiple times, yet they claim that my poor eyesight that couldn't distinguish between a XXXX and an XXXX makes no difference to them. Now they are demanding all 4 payments to be sent to them yet they refuse to credit my account for the 3 payments they received from me that were each XXXX cents short. 
Please provide any guidance you can to help me save my home of XXXX years. Thank you.
Product: Credit card or prepaid card

Last XX/XX/2019 I had a transaction CANCELLED in the amount of {$240.00} from merchant XXXX  XXXX  XXXX XXXX  XXXX. XXXX my BANK OF AMERICA Credit Card Ending in : XXXX. The Merchant issued me a FULL CREDIT REFUND back to my above- mentioned Account on that same day. 

I had given the copy of this receipt to BANK OF AMERICA for several times by FAX and via CERTIFIED MAIL subsequently as they've asked for it from, CUSTOMER SERVICE and DISPUTE / FRAUD TEAM UNIT. 

Trusting and hope your office can help me get a Valid and Legal Clarification on this matter. I remain, Respectfully your 's, XXXX XXXX XXXX
Product: Vehicle loan or lease

Dear CFPB Representative, I am writing to file a formal complaint against Chase Bank concerning the repossession of my vehicle despite my consistent efforts to make timely payments. The details of my situation are as follows : I obtained an auto loan from Chase Bank to finance the purchase of my vehicle. Throughout the loan period, I diligently made my monthly payments. However, in XXXX I was sent to hospital and my daughter would make calls to pay over phone from my account, each time she would receive confirmation - and also I had auto payments arranged. My daughter called in to make sure my car payment was taking out digitally and I had no idea that after the {$270.00} amount was taken and accepted by XXXX they would repo my car the following week right after taking it. To my knowledge we never received a call, or conversation after making payment that anything was behind. When we did get a letter we were told we were XXXX month behind, however we made double payments so it felt targeted that we were getting my only mode of transportation taken. This has cuased stress, financial distress, and many other issues to my health, mentally, and physically due to not having my car. XXXX, my vehicle was repossessed without prior notification or warning, even though I had continued to make payments, which were accepted by Chase Bank. 

XXXX, XXXX, I have statement records of payment, and XXXX the car was taken. 

Despite these payments being processed and accepted by Chase Bank, my vehicle was still repossessed. At no point was I informed of any impending repossession action, nor was I given the opportunity to rectify any alleged issues with my account. After they took car they sent a letter demanding I pay the car in full to get it back. This lack of communication and transparency has caused me significant distress and inconvenience as mentioned. 

I have attempted to resolve this matter directly with Chase Bank by contacting their customer service department on multiple occasions. Unfortunately, I have not received a satisfactory explanation or resolution. I have recently asked for statements and received them XXXX of XXXX as I am in a better frame of mind to go after them for this unfair treatment and circumstance I was placed in. 

Given these circumstances, I am requesting the CFPB 's assistance in investigating this matter. I believe that Chase Bank 's actions constitute unfair and deceptive practices, and I am seeking the following resolutions : An immediate investigation into the repossession of my vehicle and the acceptance of payments prior to this action. 
Reinstatement of my auto loan and return of my repossessed vehicle. 
Compensation for any additional fees and expenses incurred as a result of the repossession. 
XXXX that my credit report will not reflect negative marks due to this unjust repossession. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue fairly and justly.
Product: Checking or savings account

Requested reimbursement in XXXX. Account previously verified was unverified. Rep assured resolution but didnt occur. Filed complaint. Provided what rep requested over multiple emails. Was active in giving times or warning of delayed response possible. Rep failed to respond despite provision of all requested documents. On follow up, was told last week they would fix the issue. Gave them till friday to cancel check never received and deposit funds as instructed. As of today, that has NOT been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRADULENT CREDIT INQUIRIES ON XXXX CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FRADULENT CREDIT INQUIRY ON TRANSUNION XXXX XXXX XXXX FRADULENT INQUIRIES XXXX XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize the following addresses and names as listed : XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; please remove from my credit report immediately. Thank you.
Product: Mortgage

My complaint is how an insurance claim is not being handled in a professional or perhaps ethical way. I filed a claim in XXXX for a broken pipe, the insurance company sent a 3rd party adjuster and a check made out to me and Freedom Mortgage for {$10000.00} ( copy of check attached ) the ins comp said to mail the check to Freedom who will endorse the check and return to me. I followed up with Freedom who said they would not release the check to me, until I sent them several documents. 1 ) Adjuster Claim, 2 ) Contractor signed estimate signed by me and contractor 3 ) signed contractor paid receipt for Monies already paid to the tune of {$6000.00}, 4 ) Signed Lien or mechanics lien 5 ) XXXX  for contractor 6 ) letter requesting reimbursement of funds 7 ) copy of contractors License. After several days of follow-up they claimed they didn't receive the documents I sent them all again in one shot. I have attached all the documents listed above to this complaint so you can review also. They also said they would only send me 25 % of the {$10000.00}. The insurance company were insisting I do work on the house before anymore damage was done, I couldn't wait for Freedom to send the check, so I used my mortgage money payment to pay the contractor to do some of the initial clean up and preparation, and as a deposit. ( attached receipt ) I told them, if they are concerned, because now I am in default, they can keep {$5300.00} and send me the difference, that would cover 2 months mortgage payments, they refused ( all documented attached ) I need help getting my money, I am falling behind on my mortgage payments and I think they are doing this on purpose to force me into foreclosure. Please help.
Product: Student loan

My loan servicer is EdFinancial Services. I have created an account on their website. When I log in, the EdFinancial website tells me that " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' I know that this is not true. I have tried calling, leaving messages and emailing EdFinancial Services. My student loan repayment starts this month and I have no way of paying, nor do I even know what my loan terms are or what my balance is. I am concerned that this will impact my financial standing. I do not know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I was recently looking over my accounts and credit utilization and noticed on my XXXX, XXXX XXXX and XXXX account I am on are all currently missing from my credit report on transunion & XXXX  but it is on XXXX. In the documents I will show how on XXXX  reporting agency it shows all my accurate information but the other 2 companies do not. I have called each of these companies and they said the same thing that they reported to the credit reporting agencies I am unsure as to why XXXX  only reported and not transunion and XXXX. The first document attached will show the inaccurate information from Transunion & XXXX  and the second document will show the correct information that they need to update.
Product: Vehicle loan or lease

I paid of 3 leases that was originally 36 months that extend to 48 months that ended XX/XX/XXXX I returned the cars to the dealer on XX/XX/XXXX and requested buyout payments which XXXX finally emailed me the info on XX/XX/XXXX No payment were due for XX/XX/XXXX nor XX/XX/XXXX. 

On XX/XX/XXXX I mailed 3 certified checks totaling {$33000.00} to XXXX XXXX. They held the check and closed the accounts XX/XX/XXXX and messed up my perfect credit with 3 late payments on the 3 accounts. The adjust it to 2 later payments and refused to correct the other 2 late payments. When I call the hang the phone up on me.

They have an old outdated way of getting information and making payments. They have to mail forms and payments also have to be mailed causing delays. 

Up to know my credit is still ruin and no tiles have been delivered to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. 
The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than a month ago, I have received no reply, nor has adequate validation been provided. I now request your assistance in addressing and resolving this situation swiftly and efficiently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have two damaging negative remarks on my credit files, these companies have no other intent other than keep me bound by loans. These two companies apparently have paid the credit companies money too re enter bad information on my credit worthiness, I am tired of being violated when there are FRCA rights and the credit companies should pay up for damages on each time. "? I am seeking justice now, I have fought this for years too the end. I have countless of copies of my credit files that clearly show that negative remarks were re entered way beyond the 7 year period. I think it is time I get money for damages and being violated. The credit companies claim oh the year on the date removed is not here yet. Well it was long passed long ago, I seek answers and stop violating me now. Please contact me and all these crooks, I want too sue for damages but need money for lawyers. I guess if multi million dollar companies can violate people due their un lack of money, then they need too pay up. XXXX my ph # Please contact all the credit reporting companies and stop this non sense.
Product: Debt collection

I was sent a rebuttal of payment owed but still not verification of a debt I owe I was told I was XXXX  days behind but was also told I didnt have the payment arrangements time of recovery my last payment date was XXXX last payment made was XXXX start contract XX/XX/XXXX only missed XX/XX/XXXX payment of XXXX and tried pay {$800.00} XX/XX/XXXX and was denied payments and was sent no written notice how or were to Retrieve my vehicle NJ state law No written verification or chance to pay in full of time of repo I have an assigned without recourse contract the buyer is XXXX XXXX the seller is XXXX XXXX XXXX has a contract with XXXX XXXX for finance charges not wit me Im not responsible I payment wit credit transaction
Product: Money transfer, virtual currency, or money service

My PayPal account was permanently restricted last year. After 180 days, I received a withdrawal email notification from PayPal, but I could not complete the withdrawal. I contacted PayPal customer service many times and the problem has not been resolved. The customer service said : PayPal system security risk control does not allow withdrawals, I want to withdraw my balance, can't I do it? Is there any law?
Product: Credit reporting or other personal consumer reports

I am filling FTC Identity Theft to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. COLLECTIONS opened are XXXX XXXX XXXX {$2500.00} on XX/XX/20 on XX/XX/20 COLLECTIONS opened at XXXX XXXX XXXX {$380.00} on XX/XX/20 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX ( Opened XX/XX/2017 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  loan XXXX number XXXX has been paid in full credit bureau still showing account as open and owed. Paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX and Transunion is governed by 15 USC 1681 and they violated my rights numerous of times, and the accounts listed below should be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX or Transunion written permission to furnish these accounts. 

XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Please remove those inaccurate accounts on my file.
Product: Credit reporting or other personal consumer reports

the accounts showing on my credit report were opened fraudulently. i had no knowledge of these accounts. i gave no one consent to use my information to open any kind of account
Product: Credit reporting or other personal consumer reports

This is my XXXX requests 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 Balance : {$10000.00} XXXX  XXXX XXXX Balance Owed : {$11000.00}
Product: Credit card

Synchrony has sent a letter stating they will begin charging a fee for paper statements. It is my belief that they are doing this to pass on the expense of providing responsible billing to the consumer, and hoping that we all shift to eStatements. In my experience, eStatements are unreliable as websites frequently experience errors and also eStatement availability notices can get filtered to junk mail causing missed payments, additional interest, and additional fees. I would like this paper statement fee not applied to my account, I believe it is not a justifiable fee.
Product: Debt collection

i woke up XXXX morning and saw my credit drop so i check and see a random collection for XXXX $ to XXXX XXXX. i dont even pay rent or anything like that so i was confused. i USE to live at XXXX XXXX XXXX 3 years ago. i have proof i HAVENT lived there no time recently and whoever does was using my name for fraud and let the debt collect.. i have put doccuments below to show that i havent been associated with that address for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}