23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My mom XXXX XXXX XXXX XXXX regularly sends money from her XXXX XXXX XXXX account to my Chase bank, {$6500.00} per transaction, to help fund my tuition. She sends it to the exact same account every time. It went smoothly for a year and half, and the final successful transfer was XX/XX/2023 ( can be seen from my Chase account ). She sent another one on XX/XX/2023, but it was never received. My mom contacted XXXX, and after a lengthy investigation process, XXXX got in touch with XXXX ( the intermediary ) and Chase. It turns out that CHASE for whatever reason, flagged an error on the transfer and CHASE proactively CHANGED the account number of the transfer. It was originally supposed to go to " XXXX '' ( my account ), and CHASE proactively changed it to " XXXX '', and deposited the funds into this WRONG person 's account. I went into a Chase branch in person and had the banker look into this. Banker found out that Chase did in fact deposit the money into XXXX, which is the WRONG person 's account. Banker tried calling various departments ( including Wire department and Claims department ) to correct CHASE 's mistake, and they all gave various reasons to why they can not give me my money even though they can see that I have been receiving funds from XXXX XXXX for a year and half, and this one transfer went to the wrong person. XXXXne of the reasons that Chase gave was that my account ( XXXX ) is now restricted to close, so they can not transfer the money into this account. I had ChasXXXX restrict my XXXX account and open me a new one about a week ago because my account information was compromised to a potential scammer. The new account ends in XXXX. Regardless, Chase made the error of proactively depositing my mom 's hard earned money into the wrong person 's account. I should be protected and get my money back. 

To summarize - my mom tried to transfer money from her bank account to my Chase account, using all the correct info and account numbers. Chase made a mistake, Chase proactively changed the recipient account number and deposited it into the wrong person 's account. Now that person has my {$6500.00}, and Chase is refusing to correct their mistake. I am struggling to make ends meet because of Chase 's mistake, and I am down {$6500.00}.

Please let me know if I can provide any more information to help aid this investigation. Thank you.
Product: Credit reporting or other personal consumer reports

Several Late Payments '' which is a Transaction has been unlawfully showing on my Consumer Report since XXXX, 2020. I have made several attempts to have each of the Credit Agencies XXXX, TransUnion, and XXXX to abide by the Federal Laws and remove all violations and Identity Theft ( s ) I have found within my Consumer report that I the Original Creditor never granted them the right to do. This has caused several years of mental stress and a huge financial burden on me and my family. I have been denied credit for a new home, cars, and other extensions of my credit due to this negligence. According to the Georgia Fair Business Practices Act ( FBPA ). If a business violates the FBPA, it must provide consumer with actual damages. Additionally, if the courts finds that the business intentionally committed a violation of the law, the consumer would be entitled to three times the amount of their actual damages.

Under the Fair Credit Reporting Agencies ( FCRA ) I in Good Faith exercise my right to compensation -If the violator was an individual who lied to get your credit report, or used it for an improper purpose, then the greater of {$1000.00} flat ( no minimum ). Per violation.
Product: Money transfer, virtual currency, or money service

In XXXX I became the Executor of the estate of my father. Shortly after his death, the home he owned that I was moving into suffered two catastrophic water damage claims. One took place in XX/XX/XXXX with almost every pipe bursting and the second was a tree falling into the roof in XX/XX/XXXX. Insurance was in place and paid for and claims were made through the insurance company. 

The mortgage was owned by XXXX XXXX  and sold to Bayview Loan Servicing in XX/XX/XXXX. The mortgage was current at the time of XXXX loss and there was a mortgage protection plan in place that pays off the mortgage in the event of the death of a borrower. I have a separate complaint to CFPB regarding this issue. 

When the insurance company started issuing repair checks, Bayview was a co-signer. They wanted to do a monitered payment program. This is a XXXX XXXX loan and I complied. I was also in a payment plan with Bayview but intentional delay tactics by Bayview and unfair lending practices has waylaid my ability to continue. A lawsuit is pending on this course of action. 


I contacted Bayview to ask for the monitored payment arrangements to stop on the insurance checks. They were requesting extremely difficult measures in place in order to complete the repairs. I contacted them weekly to explain that contractors in my area refuse to work for free then hope I pay them 3 months later. Bayview Loan Servicing refused to try to find contractors despite my numerous attempts. I had 13 contractors come to the house to give estimates but only one took part of the repair work. Bayview took 5 months to pay that company. No one else will work on the house. 

I have communicated in phone calls, emails and certified letters that I am current according to their payment plan and that they are disobeying XXXX XXXX guidelines in holding onto the repair funds. They are also causing increasing damage to my home because of their intentional delay and impossible guidelines to hire free workers. 

Bayview states that while I am current, the loan was not at the time of loss. Both signers on the loan ( my parents ) died in XX/XX/XXXX and XX/XX/XXXX. The mortgage again, was current in XX/XX/XXXX at the time of the loss and I was entering into their payment agreement in XX/XX/XXXX. 

I'll remind you again that Bayview Loan Servicing should have never received the loan from XXXX as it was fully protected by a mortgage insurance clause. 

This is all grossly unfair. They have caused tens of thousands of dollars in mold damage and repair work than existed due to their intentional acts in disobeying XXXX XXXX guidelines.
Product: Credit card

Hold on to hat, this is good one. 

The credit card companies have figuered out that their best payors, ( those payors who pay their credit cards online the day they become available ) can be hit with late fees by stating that their payments were processed in the previous month 's cycle. XXXX XXXX XXXX hit me with it about 4 months ago and my Wells Fargo credit card online statement which showed up today has started the fradulant fee process as well. 

For clarity I will explain the process as it rolled out on my Wells Fargo account. The exact process occurred on my XXXX XXXX XXXX credit card during the months of XXXX, XXXX and XXXX of this year. 

On XXXX/XXXX/16 I accessed my online Wells Fargo credit card account to pay my credit card new month 's bill. The date of XXXX was the first day this information became available and the online account screen had my new balance with added interest fees and the minimum payment due listed ( {$80.00} ). I processed a payment of {$82.00} that day. I always pay my credit cards the first day they are available to pay. 

Now satisfied I have paid the current month I no longer access the account online until the next month becomes due. 

This morning ( XXXX/XXXX/16 ) I access my Wells Fargo account online and my minimum payment due has jumped from {$80.00} due to {$180.00} due. Also, I notice my interest fees have increased by about {$30.00} ( from around {$42.00} per month to around now {$68.00} ) I call Wells Fargo to find out what the deal is and am told that my previous month 's payment ( in XXXX ) was processed before the closing date of the XXXX statement and that payment made was structured as an extra payment for XXXX EVEN THOUGH online it gave me a new balance for the XXXX statement, new due date, and minimum due for the next month. 

Essentially the credit card companies are screwing their best payors who do not scrutinize their balance but just pay it immediately. The credit card companies have figuered out that the number of people who catch the fees and complain are far less than those who simply pay without checking. 

This has class action written all over it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXXXXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these inquires on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

US Auto Credit employees are contacting my job, family members, and friends sharing my debt information with everyone. They are showing up to every persons home listed in the contract and letting them know personal information also asking personal information in regards to me. When I call to make payments they do n't allow me authorization for automated pay services. Instead, I must go through their rude customer service agents who constantly argue with me unprofessionally about paying my debt. I see no reason to dispute with me when I 'm actually paying for the automobile. I have been receiving this harassment for months and I am no longer allowing this to happen.
Product: Credit reporting

I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX on XXXX/XXXX/2015 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter in on the XXXX of XXXX to XXXX and Experian I have not heard back from them and its pass 30 days they are not taking the unverified inquiry off my credit reports and it is stopping me from getting new credit and my credit score
Product: Checking or savings account

On or around XX/XX/XXXX I tried to open an account being promised XXXX dollars with two direct deposits in 70 days. The application was rejected because info didnt match records and was told to contact Capital One. I did on XX/XX/XXXX, was told to apply through the app using code a code. No code input was offered. I called back and wanted the account cancelled because they didnt give me the XXXX offer which the agent did. But then called back a third time and was referred to a supervisor who told me the second first and second agent erred as there was a workaround that the first and second agent should have offered and I was now ineligible for the account
Product: Debt collection

I attempted to contact the the company via phone to validate the debt, however, the company was not able to provide me with any information in refer to account.
Product: Debt collection

I am formally notifying you that if the appropriate steps to rectify this situation are not completed within 10 days, I will file a complaint with the FTC. You are required by law to respond to me within 15 days. Non-compliance can result in fines up to {$1000.00}. 
Please provide the detailed procedures taken when obtaining the investigation results for XXXX XXXX XXXX within 10 days to avoid further action.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

Today I'm mailing a XXXX letter requesting debt validation for this unknown collection account. To be sure the company acknowledges receipt, I'm sending it here as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried 3 times already -- my XXXX NOW SHOWS LATE MORTGAGE for 60 days late XX/XX/XXXX for Freedom Mortgage paid off in XXXX of XXXX
Product: Mortgage

My loss mitigation application has been on going since last year. I submit them an application and they keep on asking documents which I have been explaining that we don't have those documents like business tax returns, profit and loss statement etc. Keep telling them that the business closed since 2018 which is the reason of hardship. this is the third time sending them application because they keep closing them due to missing documents. My application is not moving forward and not going anywhere because they keep asking the same documents. I dont think they would like to help me save my house at all. They are making the issue worse instead of helping me.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 Section 602 A section 2 : It also the state a consumer reporting agency can not furnish a account without written Instructions 15 USC 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 items of information othe than records of convictions of crimes which antedates the report by more than seven years 15 USC 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, credit repair services, or other personal consumer reports

In XX/XX/XXXX I entered into a payment agreement, per Bank of America 's request, when i was having difficulty making my payments. Per the agreement with BoA, my credit was to reported as current and on time. From XX/XX/XXXX-XX/XX/XXXX they continued to report my account as severely delinquent in violation of the agreement. this is for two accounts ending in XXXX and XXXX the other accounts i entered into the program with, XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, and XXXX XXXX all reported my account as paid as agreed. 

I have tried to get the rectified through XX/XX/XXXX, and about 7 calls to BoA and they are failing to address my concern. They are stating that the information is accurate and is what i agreeed to. Per the advice they gave me in XX/XX/XXXX when I entered the program my account was to be reported as paid on time from XX/XX/XXXX until i paid the account off in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Th List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX {$2300.00} OPENED XXXX, Account name : THD/CBNA # XXXX {$1500.00} OPENED XXXX, has violated my rights. 

I looked at my my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting

I am sending another complaint because i am becoming extremely concerned about some misinformation that is reporting on my credit report. I have been waiting more than 60 days, I have sent a second complaint and I have disputed this companies response and yet I still do not have a proper resolution to some incorrect reporting on my credit report. 

Experian is reporting false negative items to my credit report damaging my creditability with all of my financial institutions. I would like to extend another complaint to the CFPB with high hopes that my situation will be elevated to a more invasive investigative unit. I am highly concerned that they are continually shutting me down and refusing to properly investigate and validate their wrongful reporting and this process is taking so long that it has left me financial paralyzed. 

1. XXXX XXXX card # XXXX is reporting XXXX late payments and that is absolutely false and I would like the CFPB to join forces with XXXX and properly verify this misinformation immediately. 

3. XXXX, XXXX is an account that has violated consumer safety and protection laws against me as a consumer and has to be deleted for falsely and illegally reporting to my credit report with your company. They are in violation of FDCPA laws and are currently under federal investigation for threats, abusive conduct and illegal documentation and non-debt validation. 

4. The TAX Lien was withdrawn from my name and I DONT REQUEST INFORMATION SUCH AS MY NAME TO BE VERIFIED! I have repeatedly asked them to stop sending me generic and uneducated responses verify silly things such as my name and such. I have told them that there are court orders from 2011 withdrawing these invalid liens. VERIFY THAT OR DELETE THE TAX LIEN immediately because you are ILLEGALLY reporting it! 

I will not take ANOTHER generic response as a form of validation of my disputes. Correct these XXXX items immediately, I will not stand for any lack of proof, investigation and evidence which I am requesting as my right by LAW. That is not a proper reinvestigation BY ANY TERMS! I can not afford to wait any longer, it has been way too long, too tedious and I fear as though someone at Experian is purposefully making this hard for me. I want this information corrected, and nothing else. This is my life. Please ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by Equifax. I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report. 

Creditor Name : XXXX Account Acct # : XXXX BALANCE XXXX Reporting Paid and creditor agreed to remove from credit reports and Equifax is the only one continuing to report