23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Someone stole money from accounts at both   XXXX    XXXX   XXXX  an d Wells Fargo Wac hovia Bank. I want to know how to qualify to get money back, There have been  XXXX  Civil Suits about both banks. There are several mistakes about the banks statements  XXXX  about wells fargo is they charge me several nsf fees after they stole the money if you look at the statement they stole the  XXXX  then charge me  XXXX  of bank charges .then they stole from   XXXX   XXXX   XXXX   on  XX/XX/2011    and when i went to bank and got money on  XX/XX/2011    that is not on there the the have the balance incorrect on  XXXX  balance is  XXXX  then on  XX/XX/2011    balance is  XXXX  which is incorrect they have it backwards. There was just a class action law suit file on wells fargo and i should have been  XXXX  of the people to qualify top get money back. why dont people look in the data base to see how many people have had claims file against these banks to stop this from happening there is someone who also got credit cards in my name and a house mortgage on my credit report.
Product: Vehicle loan or lease

On XXXX, I received an email from my car loan company in XXXX which I do not speak. ( XXXX XXXX XXXX XXXX Tx XXXX On XXXX someone called me stating they were from Capital Credit , that my loan had been sold and I would need to provide my insurance information immediately. I told the rep that I had no knowledge of this or who they were and that I needed the proper legal notification of this transfer. Nothing was sent to me. A second person called me days later demanding the same information, and I again asked for the proper paperwork. The person said to me Are you a lawyer? I said no. And the conversation ended with him telling me if I didnt like it, I could get an attorney and then he hung up on me. Both people asked me to make a payment which I had already made to the original company. I then called my original loan company and I could barely make out a word she said. All she said was that they dont have to send anything and they have been doing this for 20 years and she had nothing else to say to me about it. My payment would normally be due to tomorrow, however I cant pay the original company because they sold the loan and I cant pay this new alleged company because I have no information. I dont even have an account number to pay them. This is bad and deceptive business practice and extremely unprofessional. Capital Credit is also not even in my state. So this loan transfer was an out of state transaction. No one has explained anything to me. I need answers before this random company comes to take my car unfairly.
Product: Checking or savings account

I've been a customer of Wells Fargo since 1996. For many years, I've had an account that reimbursed my non-Wells Fargo ATM fees. All of the sudden, my fees are not being reimbursed and no explanation or indication of these change in account benefits has been given to me. I emailed customer service twice and all they did was respond with a generic copy and pasted response. I'm very upset that Wells Fargo has decided to make my account worse and not even tell me. This definitely qualifies as an unfair/deceptive act/practice.
Product: Vehicle loan or lease

I have purchased tens of new cars in my life. In XX/XX/XXXX I purchased two new cars from Toyota. One with 0.0 percent interest, another with 1.9 percent interest. I paid both cars off. In XX/XX/XXXX I purchased traded those two cars in on two more, both with 1.9 percent interest. In XX/XX/XXXX, I wanted to trade in one of the XX/XX/XXXXcars on a XXXX XXXX. 

Prior to going to the dealership, I applied for a vehicle loan on Toyota Financial Services web site. I was approved in about 30 seconds but the approval ( # XXXX ) did not disclose the terms to me. 

When I went to the dealership and presented the certificate, the dealership made me a deal on the truck. I kept asking for the interest rate and it was never provided to me. No representative has ever called me back to this date. From my calculations given the payment and numbers provided me, the loan presented was about 15 % interest. 

For this reason, I did not complete the sale. However, I have tried and tried to obtain the interest rate that I was approved by Toyota Financial Services. The dealership has not provided it to me, despite my request, and TFS refuses to provide me any information about the terms of my approval. My approval is still good but I have yet to be disclosed the terms of the approval and can not gauge my financial decisions otherwise. 

TFS continues to maintain that they only handle post-sale financial accounts. This is incorrect. TFS, not the dealer, performed the inquiry into my credit and also approved the credit. 

Please assist me.
Product: Checking or savings account

A cashier 's check from XXXX XXXX XXXX for an amount of {$2900.00} was deposited to my account on XX/XX/XXXX. The funds were not available until XX/XX/XXXX at which point I made a transaction based on the availability of the funds and with confidence that Wells Fargo had ensured that the check was valid. I repaid an amount of {$1600.00} for the original senders use on XX/XX/XXXX via a XXXX XXXX money transfer. On XX/XX/XXXX the deposited amount ( {$2900.00} ) appeared as DEPOSITED ITEM RETN UNPAID, and upon further investigation by the Wells Fargo fraud department, the check was declared fraudulent and I was declared a victim of fraud. Wells Fargo is holding me liable, and requests I reimburse the negative balance on my account that is due to the fraudulent check being deposited and subsequently returned.
Product: Credit card or prepaid card

I received a preapproved offer for credit from a company called UPGRADE, when I applied, they said you do not meet the requirements and will be rejected so I asked them to withdraw my application and stop using my information, their refusal was implied in an email.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

The VA loan guaranty provides a private lender with the assurance that if something goes wrong and you are unable to make the payments, the lender may go to the VA to cover its losses. With your Certificate of Eligibility. While in the underwriting process, I was asked to provide a letter from my commander stating the following : " Provide a signed and dated letter from your Commanding Officer confirming your eligibility to renew and that you intend to remain in service after the expiration of the current orders, XXXX XXXX " I sent a request to my commander on XX/XX/XXXX and she provided a statement of service verifying my service obligation to XXXX. 

The Mortgage officer stated the statement of service is not acceptable. My commander stated that asking for anything outside of a statement of service is personal in nature and disturbs the command relationship. It is my choice to extend and I may do so in XXXX when the window opens up in the system. It is not her responsibility to verify eligibility as my service obligation makes me eligible. 

My questions are 1. Why are Soldiers required to provide this documentation if they have a VA certificate of eligibility.

2. Is the loan applicant liable for a third party 's refusal to sign a document? ( For example I can't force my commander to sign a verification memo.

3. Is the eligibility memo a VA loan requirement regulated by the VA or some federal agency? Is the memo a personal requirement from the financing company or the VA?

4. Do mortgage companies ask " other '' applicants for verification memorandums if so, How do they verify if indeed it is the " commander '' signing the document. Is the memo just a security blanket to assist with the selling of the loan after closing? I would think this is an unfair practice used to against military personnel /veterans on XXXX XXXX I mean do you ask XXXX employees to verify employment for more than 12 months beyond closing? 

5. Is there a reason why mortgage companies don't ask for information upfront? For example my military status was made transparent at initial loan application in which I had plenty of time on my current contract. Due to construction delays, I feel like I'm the one being punished and at risk of losing thousands of dollars in earnest money fees and builder credits if I can't get financing through XXXX The delay is also costing more money because the interest rate has risen since contract initiation. 

The lender keeps saying the memo is a " common document '' the only common document I am aware of is the VA certificate of eligibility. 

I feel this practice is unethical as the XXXX  XXXX does XXXX XXXX XXXX. Does not state that a memorandum of eligibility from a commander is required. There are other documents that would suffice such as a memorandum for record from the service member verifying their own intent to extend beyond the 12 months. This document along with the commanders statement of eligibility makes more sense.
Product: Checking or savings account

Chase is holding deposits into my small business account as a common practice for 1015 days. I went to the local office with my client on the phone and provided a print screen of my client 's account stating the amount was debited, but still, Chase says it was trying to get the money from my client. This has happened many times. 
The same is happening to other friends and business partners I have that use Chase.

Last year, I had an issue because Chase held deposits made at the end of the year, and I was unable to process end-of-year bonuses for my employees. I ended up with a tax liability, even though that money was already earned by the employees, and I was supposed to pay them their end-of-year bonuses. 
I would suggest not using Chase. 
I'm wondering how much money Chase is making by holding the funds for their millions of clients.
Product: Debt collection

So, we have had service with XXXX for almost a decade at two different primary residence. We sold our house in early XX/XX/XXXX, and moved my family ( XXXX young daughters, XXXX wife, and myself ) into my parents basement for XXXX  months while our new house was being built. 

In the meantime, I called all of my service companies ( cable, power, security, etc. ) to let them know about the move. They were all great, with the exception of XXXX. The customer service rep said I could just take the equipment since it was basically paid for and contact them when we move for new service. They informed me that they would suspend service since we werent under a contract and we could reinstall at the new residence. 

During the in the basements months while we were awaiting our new house to be built, XXXX constantly harassed me to pay them, saying I broke a contract - which I disputed even existed. Finally, I spoke to a supervisor who said they would handle it and I shouldnt be bothered again. They apologized and said they hope Ill consider using them again once I move. 

I thought it was taken care of until I received a letter dated XX/XX/XXXX from Tate & Kirklin Associates , Inc. sent to my parents address, informing me that we owe {$730.00}. 

This is a bit outrageous, as we were current with our payments ( never missing even one ) when we moved. I was informed we didnt need to worry about this and it was an erroneous item from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation from this collection company since XXXX of 2020, XXXX and XXXX to no avail. I sent off multiple validation requests certified and have been ignored though they have received numerous letters. They continuously report this invalidated debt to the credit bureaus AND they continue to increase the balance without telling me anything. What I have requested is well within my FCRA rights and they have ignored my request yet continues to report which is against my FCRA rights. I just want this resolved.
Product: Credit reporting or other personal consumer reports

I have been receiving a bank statement from XXXX  XXXX almost every month since XXXX up to now and kept calling them and telling them I didnt have any information about this account and I never had any accounts with them but they said they are going to do information then after that they sent me paperwork saying they closed it but Im still receiving it and I cant deal with this anymore they damaged my credit by reporting inaccurate information while Im working on home purchases and I dont know what to do the last statement I received has tow different names which I have no idea about it and they said they believe me or another account user benefited from the transaction So I have no information about this account at all but they re
Product: Checking or savings account

Hey my CHIME, account was closed and I requested a appeal they still havent reached out and I have money left in my CHIME account please get back with me XXXX XXXX
Product: Debt collection

The incident started when the company over charged my account. The amount was disputed and the account was eventually credited after 3 months in resolution. because of the inconvenience, I decided to close the account.. The company is now attempting to bill me late fees for an account that was closed with a zero balance. The account was paid in full and closed by my request on XX/XX/2023 confirmation number : XXXX. The name of the agent assisting me is XXXX, who confirmed the transaction and provided me with the above confirmation number.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name and address on my credit report. Despite prior disputes, this incorrect name and addresses remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX I sent a " Request for Investigation '' form to XXXX to have 2 companies removed from my report. The first was XXXX XXXX whom was the subject of a lawsuit in which the were found at fault. 
The second was a collection company who had bought a debt from a company I had never had any dealing or knowledge of. 
XXXX did not do any investigation into either account and just sent me a reply on XX/XX/2021 that both accounts were verified and updated. So both accounts are still on my report.
Product: Credit reporting

Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's XXXX XXXX XXXX and Experian still show it on my creditreport I want it off now.
Product: Checking or savings account

I have a bank account with Bank of America, but now I live overseas and I am trying to close it. My online access was blocked due to some obscure security measure. I called the bank and was told to travel all the way to XXXX XXXX, XXXX ( a XXXX-hour flight from XXXX, where I live ). I went to the address I was given, but the local branch didn't even allow me inside, alleging they operate independently from the US system. I called again and the only thing they say is that I have to go to a BOA branch in the US. 
The problem is that I don't have any plans to travel and the amount of money is just over {$2000.00}, so it wouldn't make any sense to pay for a trip which would be more expensive than the money I am trying to retrieve. 

I traveled to XXXX XXXX because of a bank mistake and now I'm in a humiliating situation, having to beg for my hard-earned money. 

In my most recent attempt to contact BOA, I was provided with the contact information of a person who is never available and does not return my calls, despite leaving messages on her voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen. While I was trying to purchase my first home through a first tie homeowners program I was told when they pulled credit that there was no way I could become a homeowner with all the derogatory items on my accounts please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Debt collection

Creditor ; Midland Credit Management is attempting to collect a supposedly owed debt in the state of XXXX. However, according to XXXX XXXX XXXX, records show that they do not possess the proper license to collect debt in XXXX, which is the state I reside in. In the state of XXXX, a Consumer Collection Agency License is required for agencies which collect consumer debt owed or due to another person.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit card

My Identity was stolen and account was open in my name and my social was use to open account tried to report to the Navy federal and try and get it removed but they stated that it was charged off and sent to a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681d, as a consumer I did not receive any disclosure about a consumer report being furnished on my behalf from XXXX XXXX  or XXXX. I did not give any verbal or written consent for either of them to share my non-public information and furnish a report when according to 15 U.S.C 1681b they are allowed to furnish a report in accordance with the written instructions of the consumer to whom it relates. I did not even receive disclosure to opt out of a credit check when applying for discover years ago, this is identity theft and and by law these are completely inaccurate and unfair and goes against what the Fair Credit Reporting Act is. Please get them to remove everything as this is indenting theft
Product: Credit reporting or other personal consumer reports

The following inquires were not done by me. Please delete due to fraud identity theft : 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

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 XXXX XXXX XXXX. 

XX/XX/XXXX15 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 finish 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: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report XXXX XXXX XXXX XXXX  - {$260.00} XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Debt collection

I requested validation of an item reported by Transworld System Inc. I have received my confidential medical records in response without a prior written release, clearly violating my rights under HIPAA. Again, I DID NOT sign a HIPPA release form authorizing Transworld System Inc access to my medical records.

Please delete this information from my credit file with all 3 credit bureaus XXXX XXXX and XXXX and cease all collections activities immediately! 

I will be pursing every legal action available against Transworld System Inc should this item not be promptly removed from my credit report.