23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 I electronically deposited a check for {$3700.00} into my checking account. The bank stated that the funds would be available on the XX/XX/2022. On XX/XX/2022 Chase put the checking account in restricted status. The check was made out the my wife, however, the check has my name on it as well. Instead of me signing my wife 's name first I signed mine name. The transaction was flagged and considered to be fraudulent. I spoke to a customer representative in the restrictions department and they explained to me that the check needs to be verified in order for the funds to be released to the account. Meanwhile, Chase cashed the check and is holding the funds. My wife and I both went to our local branch to further handle this situation to verify ourselves and that the check is issued to use and the bank still refused to released the funds to us. They told us that the account will be closed due to the correct verification measures. On XX/XX/2022, my wife and I went to another branch and spoke to a branch manager about this situation. She stated that the old account is closed and offered to open a new checking account. She also stated that chase would direct the funds of {$3700.00} would be transferred to the new account within 4-5 business days. We still have not received the funds yet.
Product: Mortgage

On XXXX XXXX 2015 I made mortgage payment to freedom mortgage on the internet. payment is due on the XXXX every month. On XXXX XXXX 2015 I received a call from freedom mortgage that my payment was late. I explained that I had received a conformation number how could it be late? I was told that did n't matter the payment was late. I had to pay late fees and phone assistant fees ( a total of {$40.00} plus the normal mortgage ) Since that payment my mortgage has been marked as received late for the past 4 months although I mail my payment on the XXXX of the month XXXX. I called and asked a service rep how my payments were late and was told that the mail takes XXXX 10 day for them to receive it.
Product: Credit reporting or other personal consumer reports

I purchased my used vehicle in XX/XX/XXXX and have consistently made timely payments to Regional XXXX by XXXX. I reached out to the company to request an update on my loan balance, which has decreased from the original amount of {$17000.00} to {$16000.00}. After my upcoming payment for XXXX it will further reduce to {$15000.00}. However, I am puzzled as my credit report only reflects payments for XXXX, XXXX, XXXX, and does not include entries for XXXX, XXXX, XXXX or XXXX, or XXXX and XXXX of XXXX. Upon contacting the company, I was advised to submit a written request detailing the discrepancies in my credit report in XXXX to the address they provided, with a promise that it would be resolved within thirty days. Despite following through in XXXX, it is now XX/XX/XXXX, and the missing entries have yet to be updated, nor has my loan balance been adjusted in the report. This ongoing issue has persisted since I took out the loan, with repeated assurances from the company that it would be rectified. This situation is negatively impacting my credit score and hindering my ability to refinance with another lender, as my credit report still reflects the original loan amount rather than the reduced balance. I have also contacted the credit reporting agencies, who confirmed that they are reporting the information provided by the loan holder, which is inaccurate. Attached is the updated information as of XX/XX/XXXX. Of my credit report and my loan balance they is provided with in regional acceptance app. When I submit a dispute through the XXXX credit bureaus regional acceptance is denying to change the information saying it is accurate with the credit bureaus and it isnt because I have proof. Please let them do a thorough investigation and not deny to change this information just as a generic response without doing there due diligence.
Product: Checking or savings account

Wells Fargo has imposed a limit for transfers to outside Bank accounts 2 business days Daily Maximum {$10000.00} 30-Day Maximum {$15000.00} Due to which I am not able to transfer out more than XXXX XXXX  per month. Called Wells Fargo how I can get this limit increased - I was told that they won't
Product: Money transfer, virtual currency, or money service

Paypal advertised to use direct deposit to receive government benefits so I enrolled to recive my unemployment benifits. I waited 3 months to receive my back pay and on XX/XX/XXXX, XXXXi finally received my deposit and 20 mins later paypal locks my account and tells me I can't get my money for 180 days. Nobody will give me a reason for why this was done, I never violated any rules, yet they refuse to release my money
Product: Checking or savings account

In XX/XX/XXXX my card and account information was stolen, granting access to my checking account ending in XXXX with Chase Bank without my knowledge. Before this situation, I was told I had {$1200.00} in my checking account and {$4500.00} in my savings. With that, about XXXX XXXX dollars was taken out along with a forgery of checks made out in my name NOT signed by me nor does it resemble my signature of any of my other checks and signatures, causing my Chase savings and checking account to be put on hold. Immediately that next day noticed and filed fraud with Chase Bank. Spoke to a Chase employee, going through all of the proper steps and procedures to file fraud and get my testimony on the record. In the original supposably recorded testimony I stressed very clearly leaving no room for other interpretation that I have no knowledge of who did these transactions and activities, nor do I know how my information got accessed and card taken but none of it was done by me and not authorized. 
Was then told that same day that it will now go into investigation and I should be hearing back from them by the end of the month in XXXX of XXXX. Fast forward to XX/XX/XXXX, contacted Chase to get an update on the investigation and was told they are not sure when the investigation will be over and to call back in a few weeks. 
From XXXX to XXXX, repeatedly contacted Chase a few times each month about an update on my investigation and when I'd receive at least my savings account money if not that plus my original checking account money, and was told the same thing every time. They were not sure when the investigation would be closed, and gave me random dates when it would be done but when the time came was never done and nothing has changed, to they don't have access to any information on the investigation except for a note as to when the investigation is ready to send out my money. During another direct call to Chase initiated by me, I was told what my statement of testimony had included in it, and in that statement, the person who took my statement put down that I had said I made all of those transactions and checks when I did not say nor claim that at all. Fast forward another 6 months to XXXX of XXXX and constant calls to Chase Bank a few times a month to hear the same repeated answers and lies. Those calls and no updates carry on into XXXX. The amount of ignorance and negligence this company 's service has provided me leaves me helpless and hopeless. They say contacting the investigation company myself is not possible so I only have contact with my investigation through Chase Bank online customer service employees who also aren't handling my case nor can they do anything to speed up the process. I feel as though my case has not been worked on at all and my fike is sitting in the back somewhere not getting worked on because one year and a month to investigate and hold my money is not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amex Hard Inquiry Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within 60 days this is still not removed. 

XXXX Hard Inquiry Dates without consent on XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within 60 days this is still not removed. 


XXXX Hard Inquiry Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX investigated and ruled unfounded. 

I have credit alerts and froze my accounts due to fraudulent activity. I also received a letter from the Bureau of Labor and Industry that my information was compromised as a result of the XXXX  Claim system.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

Account name : COMMERCIAL ACCEPTANCEXXXX XXXX XXXX XXXX XXXX Account # XXXX, Debt {$890.00} OF XX/XX/2022 has violated my rights. 

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

Equifax is reporting hard inquiries that I did not approve. it is fraudulent and I need them deleted immediately XXXX XXXX XXXX Address Date of inquiry XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX  Address Date of inquiry XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX Address Date of inquiry XXXXXXXX XXXX XXXX XXXX  OH XXXX XX/XX/XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA is reporting a 30-day late payment on my credit report for the month of XX/XX/2022. I previously submitted a dispute directly with the creditor. I received an automated message saying this account has been verified despite not providing any documentation that this account was 30-days past due. This error has resulted in my credit score dropping XXXX XXXX and has prevented me from being able to obtain a mortgage. Upon trying to resolve this issue with USAA I spoke to members of the president 's office who assured me that they would help me get this inaccuracy fixed and removed from my account. My rights as a consumer have been violated per FCRA 609/611.
Product: Credit reporting or other personal consumer reports

Not reporting to CRA XXXX experian XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to CAPITAL ONE due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have settled this acct with a payment and the creditor has not removed this paid acct from the bureaus
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB - CARD SERVICE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX  for the removal of the unauthorized and fraudulent inquiries but they are still reporting on my credit report. I submitted a complaint again dated XX/XX/XXXX  but it was immediately. This is why I'm reaching out again regarding these fraudulent inquiries and for assistance to remove them from my credit report immediately. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Vehicle loan or lease

I submitted an end of lease buyout form online from Wells Fargo in order to purchase my lease. It was said that I was approved and gave me my interest rates and payments based off m y credit score they ran and my information As I chose the one I wanted, I waited to hear from the company to finalize the loan that I was approved for.   When I received the call, I was told I was now denied.
Product: Credit reporting or other personal consumer reports

LOANS FORGIVEN - XXXX VETERAN DEPT OF ED/XXXXEDFINANCIAL XXXX Direct XXXX XXXX XX/XX/year> {$5500.00} XXXX DEPT OF ED/XXXX-EDFINANCIAL XXXX Direct XXXX Subsidized XX/XX/year> {$5500.00} XXXX DEPT OF ED/XXXXEDFINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX-EDFINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above loans have been forgiven, according to a notification that I received via email from the US Department of Education. 

Unfortunately, the forgiven loans are not appearing as PAID IN FULL on my three ( 3 ) credit bureau reports.

I believe that the loans, although paid by an outside source, should be reflected on my credit report. 

Thank you in advance, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX I was scammed out of I thought I was moving to XXXX and I got there and someone lived there. It started in XXXX. It will not let me send you the FAKE lease
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$5400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

I have disputed this account on multiple occasions, as recently as XXXX XXXX. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX XXXX account XXXX does not belong to me.
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts to rectify this situation, these fraudulent items remain unaddressed, causing me substantial distress and financial harm. I would like to provide a brief overview of my efforts to address this matter : I first became aware of fraudulent items on my credit report and financial accounts. I immediately took steps to report the fraudulent activity to the relevant authorities and my financial institutions. 
Subsequently, I made multiple attempts to dispute these fraudulent items with the credit reporting agencies and provided all the necessary documentation to support my claims. I have also been in regular communication with the customer service departments of the financial institutions involved. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report and have not been adequately addressed by the credit reporting agencies or the financial institutions. This ongoing issue has caused me significant stress and financial hardship. I trusted that, as a victim of fraud, I would receive timely assistance and support from the relevant parties. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report and financial accounts. Furthermore, I ask for a written response outlining the steps your organization will take to resolve this matter and prevent future occurrences of fraud. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to remove the following fraud items in my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Re : Synchrony Bank Dear Sirs : My name is XXXX XXXX. I have been XXXX for several years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX After I was released it was impossible for me to visit a bank branch to conduct business. In other words pay my bills. A friend told me that Synchrony Band would allow wire transfers online.

I then opened a Synchrony Bank account. This was done in XX/XX/2023. I deposited {$100.00}. Shortly thereafter I transferred {$10.00} into a second Synchrony account. In XX/XX/2023, I made XXXX more deposits into my Synchrony Bank account by ACH transfer from my XXXX XXXX Bank Account in the amounts of {$5000.00}, {$10000.00} and {$15000.00}. The balance was approximately {$30000.00}. The purpose was to utilize the online wire service offered by Synchrony Bank. 
My first attempt failed because of Synchronys policy of a telephone confirmation by the receiving Bank. The second attempt was foiled by a Synchrony Bank mistake. I made a complaint to Synchrony Bank. I then made a third attempt at a wire transfer on XX/XX/2023. I was told this would take 1-2 business days. On Monday XX/XX/2023. I was advised my account was locked. They said my account was under review. They further advised this process would take 2-3 more days. 2 days later I called again. Now it was said 3-5 days to complete. I called again in 3 days only to be told it would take 60 days. All this time I was denied access to my funds. I have been provided no explanation for this action. It was further implied that the 60 day time frame could be extended at Synchrony Banks sole discretion.

This is a clear abuse of discretion. It is inconceivable that it would take 60 days to review XXXX  deposits and one transfer into another Synchrony account. This actually can only be seen retaliation for my complaint against the Bank for making a mistake. 
The Bank stated their review was for my protection, instead it has caused me financial distress. This unwarranted action can not go without investigation and exposure. Please publish my complaint. 
Very truly yours XXXX XXXX
Product: Debt collection

It appears this company acting as a debt collector has used, posed and transferred my personal identifying information without my consent or just compensation. This account is inaccurate, and the National Recovery Agency has no written authorization to use or transfer my personal identifying information. The failure to report accurately due to the identity theft has caused harm and injuries under title 15. The failure to issue a Form 1099-C to client and IRS is malicious and must be corrected. This account must reflect as paid and reported correctly to avoid additional charges under 15 U.S. Code 1611/ Account Number : XXXX. **. Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : XXXX Payment Status : Assigned to collection Payment Status Date : XXXX Account Balance : {$4000.00} Opening Balance : {$4000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, PA XXXX