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

On the day of my visit at the old XXXX XXXX branch I was approached by a personal banker. This banker asked me what I needed help with. I advised him I needed several things such as ; cashing my check, making a deposit, and making a payment on a credit card. Unfortunately I did not get the personal bankers name. The personal banker asked if I had ever used the mobile app to make a deposit. I respectfully answered no. I advised the banker that I needed my funds today and I was unsure if I made a mobile deposit that my money would not be quickly available. The banker asked the amount of check and who it was from. I advised the banker that it was from my new employer. He asked why it was not deposited by direct deposit. I told him that this was my first check and they usually give a live check. I once more reminded the banker I needed my full funds today. Having that I had lost my job last month and this was my only cash that had came in within the last 4.5 weeks and needed to pay all my bills. Having that my bills were already past due including my car payment and rent. The banker advised not to worry that he would be able to take care of that for me. I dearly trusted this man so I used my mobile app to deposit the check in his presence. Once completed he then looked in the system and stated that only XXXX XXXX dollars would be available until the check was cleared for funds which could take up to 3 days having that it was Friday. I was speechless. I clearly had told him my financial state and he clearly disregarded it. I was very upset and I just did not want to be in this branch anymore. So for that reason I shall never go in this branch and or did recommend it. I understand it is not the entires company 's fault of how their employees work. But as company some bankers are giving Capital one a bad name and making us not trust you with our money. I would want this complaint to be read by the office of the president. As I would like to know what will be done to correct this issue company wide. Having that I now know that the bank branches get credit for each mobile deposit made within their facility. I felt very used and cheated out of my money. Now I am having my doubts whether or not I should even bank or continue financing one of my vehicles with Capital one. At this point I feel it 's worth to reconsider my auto loan, XXXX credit card loans, and my personal checking account. I trusted this bank having that I clearly have done business with them I believe it is intresting that the bankers are the ones getting credits for making us deposit a check through the app within their facility and not letting the tellers do their jobs. At this point that I have the availability of depositing my own check electronically what is the point of having tellers or bankers?
Product: Bank account or service

I was scammed by XXXX XXXX, I was told by XXXX XXXX and XXXX XXXX, that I won {$150000.00} but in order to release my winnings I had to send {$500.00}. I refused so XXXX said that they would see what they could do to help me out. After weeks of talking back and forth to them, on XXXX XXXX they told me that I need a bank account so that they can deposit money into my account. I went and opened a checking and savings account that day at Wells Fargo Bank, I gave them the information that they needed to deposit the money. They kept saying trust me and that I have to do what they say. On XXXX XXXX I gave them access to my online banking. On XXXX XXXX, I received an email from the bank saying I have XXXX mobile deposits {$490.00} and {$500.00} from their friend XXXX XXXX. They told me that I have to take the money out of my account and send {$500.00} to XXXX XXXX in XXXX. And send {$450.00} to XXXX XXXX in XXXX. I told them my funds were pending, they told me as soon as they are available, do as we asked you. On Saturday XXXX XXXX, I received a email saying Deposit Successful!!! So I went to the bank and withdrew {$1000.00}. Went to XXXX XXXX and sent it to them. Gave the agent the control numbers. On Monday they said as soon as they pick up the money, that my money would be on its way to my door step. Excuse after excuse it never showed up!!! On Tuesday morning I received an email from the bank saying that I was overdrawn {$990.00} and they placed a hold on my account for fraud. That the checks were Counterfeit Checks. We went and talked to XXXX at the bank, he said that they front their customers the funds as a courtesy to them. I never would of withdrew the funds if I knew that the checks had n't cleared. I feel I was deceived from my bank. I thought that they are supposed to back their customers!! That is when XXXX gave me Loss Prevention phone number. And Attorney General Office gave me Federal Trade Commission and they referred me to this office
Product: Credit reporting or other personal consumer reports

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 customer service representative of the said accounts. AMERICAN EXPRESS XXXX and AMERICAN EXPRESS XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Mortgage

I was steered to an in house modification and have been making trial payments toward that end. Although I applied for a HAMP modification, I was never given a decision on it. 
Through HAMP, I have made 6 years of on time payments and was never given the opportunity to should recast/reamortize my loan with the HAMP program. I would like Wells Fargo to complete the following form and give me a recast option. 
XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : The right to contest my credit report is something that every American has. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is often times questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with XXXX XXXX format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you XXXX  days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX and XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

I have tried multiple times to protect my identity, someone used my social security number to apply for a creditor called The XXXX XXXX XXXX, there is now a balance of {$77.00} dollars in collections from this company i did not authorize and have tried multiple times to ask for it to be resolved. This is negatively affecting my credit and i do not believe i should suffer for someone elses wrong doing. The companies contact information is XXXX XXXX XXXX XXXX XXXX XXXX, WAXXXX phone number ( XXXX ) XXXX
Product: Credit card

I have been an Amazon XXXX/Chase credit card customer since XXXX ( maybe prior since the statements only go back that far. When I signed up for this credit card I was promised 5 % cash back on orders from XXXX which was fulfilled until XX/XX/XXXX. At this point the card reverted to earning 3 % back which is what card owners get if they are not an Amazon XXXX member. However, my membership status never changed and neither did the payments for it via this Chase credit card. I recently only noticed this was happening and called Amazon immediately who updated my account on their end so that I can earn the proper rewards points going forward. They saw exactly what I did and confirmed I should have been receiving 5 % the last 5 years. They told me to call Chase who I have now spoken to several times with no resolution or explanation for why they will not honor the terms of the credit card agreement I signed. 

Even on Chase 's end when I call ; the employees can see my XXXX membership payments on my statements each year and acknowledged the same thing Amazon did. However, when I contacted them via their secure message system they just would deny my request and not give an explanation. Furthermore they would just reiterate the terms of the agreement ( all of which I have met ). 

This has cost me hundreds of dollars potentially in cash back I was promised. As far as I am concerned Chase is in breach of the contract I signed.
Product: Credit reporting or other personal consumer reports

Incorrect addresses on my 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
Product: Mortgage

I received a letter during holidays on XX/XX/2019 while we were out of the country, that my mortgage was transfered to another Mortgage company. Mr Cooper indicated that all automatic payments would stop immediately thing that didn't happen. I got double charged ( new Lender ) and Mr Cooper. I've been calling, asking for the reimbursement of my money and they don't act, respond or do something about it. I am claiming the reimbursement of {$1400.00} with no success. Several phone calls, follow up and Mr Cooper Lender ( Nationstar Mortgage LLC ) just simply do nothing about it. The money is in their system as " Miscellaneous Payment ''
Product: Checking or savings account

I had about {$280.00} in my TD Convenience Checking Account, which I had opened since XXXX. I have not used it since but kept the minimum to leave the account open and received monthly notifications of account statements. However, on XX/XX/XXXX, it looks like I have stopped receiving statements. I went to log into my account and saw that they had closed my account without notifying me nor getting in touch with me on how I can receive the money I still had in my account. 

I called Customer Support and they have been no help in providing me information. They just say that I'm not a customer there and are clueless on what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX   XXXX, XXXX BXXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX on my Equifax, XXXX and XXXX   credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing
Product: Debt collection

I am receiving frequent and repeated calls from a robodialer during lunch and dinner. At one point even being called around XXXX XXXX. the calls are from multiple random numbers and have multiple random messages with each call. The automated dialer will call three or four times and come from multiple different numbers.
Product: Checking or savings account

I went to Chase Bank to withdraw money that had been released from a electronic deposit from my external checking account I was asked to show two forms of ID to get the money I did that..So assistant bank management got the money from a teller brought it to the desk at her office and then tells me she changed her mind and was not going to give it to me because she felt like a XXXX  guy looking like me should not be receiving a check that big ... she verified with my external bank who had sent the deposit that the funds were available for me to withdraw it... I called & made a complaint she contacted me and said if I would drop the complaint she would release my funds immediately but if I didn't she would close my account after stateing that I would not drop my claim she closed my account and still has not sent me my money that was in the account when she closed it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the credit bureaus all the proper documents to show that i have been a victim of fraud. I have also call each bureaus and have spoke to the fraud department and was told that the accounts was going to be remove.
Product: Credit reporting or other personal consumer reports

Innovis, I am requesting a copy of my report. 

And, I am requesting you update my contact details with those attached. 

Attached to this complaint are : - complaint - drivers license - social security card - Proof of address Please handle this immediately
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX at XXXX I called LendingUSA the loan servicer for my loan that was provided by XXXX XXXXXXXX XXXX  at ( XXXX ) XXXX to discuss paying off my debt consolidation loan with them. I asked specifically for the payoff amount and was told {$19000.00} for the date XX/XX/XXXX. I then asked if I were to mail a check in for a larger amount than {$19000.00}, would my payoff amount be larger due to the interest accrued during transit? I was told that wouldn't be the case as the date on the check would be the date that LendingUSA would base the payoff amount. I was skeptical and had my bank ( SkyOne FCU ) mail a check for {$19000.00} and they confirmed it was mailed out and dated XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I made a follow-up call to LendingUSA to ask if my payoff check had been received. I was told that any checks received would take 10-15 days to process and to call back on XX/XX/XXXX. I also confirmed the facts from the phone call on XX/XX/XXXX and was reassured that is how my payoff check would be applied. 

On XX/XX/XXXX at XXXX, I made another phone call to LendingUSA in the morning at XXXX upon seeing a negative balance online for my loan. I was told that a check of {$19000.00} was received and processed on XX/XX/XXXX and that the payoff amount was {$19000.00} and resulted in an overpayment of {$13.00}. I asked specifically when the check was received and I was told XX/XX/XXXX. This is contradictory to my phone call on XX/XX/XXXX stating how long it takes to process mailed payments. I then asked why my payoff amount that was applied to the check was higher and was told that I accrued interest. I then asked for a supervisor to discuss the previous phone calls on XX/XX/XXXX and XX/XX/XXXX and was told that none was available and to call back after XXXX because that is when they get in. 

I then called on XX/XX/XXXX at XXXX and asked to speak to a supervisor and was told that none are available and to call back tomorrow morning, XX/XX/XXXX because that is when supervisors would be in and available.
Product: Consumer Loan

I co-signed on a Cash Call loan for my XXXX XXXX in 2013. My brother immediately defaulted on the loan and I was left to pay it off. Unfortunately, I was layed off from my job shortly there after and was unable to keep up the payments. 
So, now I have a Cash Call amount of XXXX on my Credit Report. I have contacted Cash Call to set up a Lump Sum payoff, but they refuse to speak to me regarding this loan, since I am not the " Primary Signer ''. I need this Cash Call off of my Credit Report to move forward with a Refinance that I am attempting to complete. 
In short, I need your office to contact Cash Call and find out how I can pay of this debt & how long afterwards before their company is off of my Credit Report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding fraudulent accounts that have been opened under my name without my knowledge or consent. These accounts are a result of identity theft, and I became aware of them in XX/XX/year>. 

Specifically, the account in question is with XXXX  ( Account Number : XXXX ) .XXXX XXXX ( Account Number:XXXX XXXX  XXXX  ( Account Number : XXXX ) .I am requesting that the credit reporting agencies ( Experian, XXXX, and XXXX ) block and delete this fraudulent account in accordance with the Fair Credit Reporting Act ( FCRA ).

Additionally, I am invoking my right to legal recourse under 15 U.S.C. 1681n due to the significant damage caused to my financial well-being by this fraud. 

Thank you for your prompt attention to this matter.
Product: Credit card

We had a business card account that fell into hard times, and we settled the balance with Amex. I had been working directly with their internal collections department. I ended up paying the balance early instead of taking the full two years. 

I had requested a XXXX balance letter or a debt release letter to be sent to me, as we are currently working to refinance our home. The bank we are working with is now requesting this documentation. 

I was advised that I may need to wait up to thirty days before calling again, and it might be possible to send the letter early. However, it could take up to forty days in total. While this is understandable, it significantly impacts my situation. 

What I urgently need is a letter from American Express, in any formemail, XXXX, or physical letterthat confirms three things : 1. Our card has a XXXX-dollar balance. 
2. The debt obligation has been fulfilled. 
3. The remaining balance has been written off. 

The bank requires these three items to proceed. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This lender is directly in violation of the Fair Credit Reporting Act because I was never given written notice of any late payments.No messagesNo characters.In addition, I am aware that the Initial Disclosures will not be adequate means of notification.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX AV XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$4400.00} ; XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Collection Account Request for Removal I am writing to formally dispute the validity of a collection account that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge the accuracy of any information on my report. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Original creditor : XXXX XXXX Account Number : XXXX Reported Amount : {$490.00} Date Reported : XXXX 2023 Reason for Dispute : According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my credit information. Furthermore, under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a credit reporting agency can not furnish an account without my written authorization. 



I request that this account be verified, and I ask that you provide valid documentation proving its legitimacy and my written consent. If you are unable to verify the account with concrete evidence, I demand its immediate removal from my credit report in accordance with the law. 



I have attached a copy of my identification and a copy of my credit report with the disputed account highlighted for your reference. I would appreciate a written response within the legally required 30-day period. 



Thank you for your prompt attention to this matter.