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

I requested a Bill Payment from the Wells Fargo Online Bill Pay service to pay a property tax payment with the county. A payment of {$5200.00} was due on XX/XX/XXXX. I scheduled a payment on XX/XX/XXXX for that amount. The county treasurer requires the payment be " postmarked '' by the due date. 

The check was received by the county on XX/XX/XXXX without any mark on the envelope to indicate when it was ordered, issued or mailed ( due to the nature of the bulk mail. Because of this I was charged {$520.00} as a " late fee '' despite having ordered my payment and had it in the post for delivery on XX/XX/XXXX. The county was unwilling to waive this fee due to `` county law '' requiring a  physical postmark. 

When I complained to Wells Fargo that there was no indication, notification or warning about the lack of postmarks on bills mailed through their " Bill Pay '' service, they refused to compensate me in any way or recognize the lack of adequate disclosure in their service. When I asked where this information was conferred to the customer, they referenced their Online Access agreement, which was no less than 7 clicks away ( outside of the BillPay application itself, listed under " Customer Support '', not under the Privacy/Security/Legal link on the bottom of the page ). Deep within another subsection and heading, finally in the bowels of hundreds of pages of fine print, there is an obscure reference to the reliability of postmarks amongst XXXX clauses to help XXXX the consumer over in multiple different exception scenarios. 

No normal human would ever find this information in the normal flow of paying a bill, let alone in the process of opening an account. No notification was given, no guaranteed delivery date offered, and after multiple conversations with the bank and the county office, it became evident that the county office was receiving payments in a single envelope that had been issued across multiple days of customer requests in the Bill Pay system ( the result of a bulk mail vendor relationship the bank uses to cut costs ). 

This is completely unacceptable. Human readable, discoverable and relevant information needs to be provided to a consumer when they are accessing services designed to " pay bills '' the same as when they are borrowing money. In reading through the agreement it is evident that the fine print is intended to completely absolve the bank of any liability for actually paying bills, and rather to allow for every possible exception to the expectation that they actually reliably deliver the service they advertise. 

I want my {$520.00} back.
Product: Debt collection

By law youre not allowed to send an account to multiple collection companies. Validate the debt because its not accurate on my credit report. Dates and amounts are incorrect. I dispute the accuracy of this account.
Product: Debt collection

My spouse visited the local branch of Security Finance to make a payment on his installment loan and was asked by the representative if he was my spouse. He was then asked by the representative if he had spoken with me about my payment that was due. ( we have separate installment loans that are in each of our names individually ) The representative then disclosed to my spouse the payment being due and the balance on my account and proceeded to ask my spouse to make a payment on my account. My spouse did make the payment. This company had no right to disclose any information on my account to any other party.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$360.00}
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX I looked at my Experian, XXXX & XXXX 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 generallf, 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: Vehicle loan or lease

I have a Auto loan with EXETER FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and EXETER FIN with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never lates in XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX.
Product: Checking or savings account

Honestly made several attempts at calling and E-message Navy Federal Credit Union once I discovered issues with XXXX credit report before and after setting up fraud alerts due a XXXX  credit card. I made a decision closed ALL my accounts with this financial institution because I wasn't getting any answers on what other revolving XXXX  accounts exist. Since I couldn't get answers I lost confidence and trust at keeping other personal accounts open especially the ( ONLY one ) XXXX credit card w/limit {$3500.00}. During the last week of XX/XX/year> I went into the NFCU bank and asked branch manager to close existing accounts, she couldn't see any other issues exist with regards to a revolving dispute credit card cash rewards w/limit {$5000.00} or that I owed {$100.00} or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request to put a security freeze on my credit report. I'm also opting out of XXXX, Sage stream, XXXX reporting. Under the FRCA you are required to comply. At this time I'm requesting a security pin be sent to my email address. XXXX. and only lifted per my request.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint against NATLCRSYS XXXX XXXX XXXX NATLCRSYS XXXX XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to NATLCRSYS XXXX XXXX XXXXto FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND NATLCRSYS XXXX XXXX XXXXXXXXto delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND NATLCRSYS XXXX XXXX XXXX ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND NATLCRSYS XXXX XXXX XXXXto delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND NATLCRSYS  AND XXXX APTSto delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND NATLCRSYS XXXX XXXX XXXXto delete this account/item within 4 business days ( Exhibits provided ) NATLCRSYS AXXXX XXXX XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX Balance Owed {$7300.00} XXXX XXXX XXXX Balance Owed {$2600.00} XXXX XXXX XXXX Balance Owed {$1400.00}
Product: Checking or savings account

Last month I received a postal letter from Chase Bank saying my application for account was denied. Letter told me to contact XXXX and gave me no way to contact bank. I have NEVER requests any account with Chase. My Credit Union monitoring service told me to dispute the application on XXXX. But XXXX has had no hard inquiries or applications for me for the past XXXX years. So there was nothing to dispute. 

Today I received an email from Chase thanking me for applying for a checking account. I have NEVER requested any account with Chase. XXXX hours later, I received another email from Chase congratulating me, saying my checking account was now open. 

I immediately called Chase Customer Service and was transferred to another department. I wanted them to IMMEDIATELY CLOSE this account because it was not me, but they are using my name XXXX street address, and email address. Chase REFUSED to do anything unless I gave them my SS #. I declined to give them my SS # because I do not believe that they have my SS #, and I do not want them to link my SS # to this FRAUDULENT account. 

I checked my XXXX account today. And they are still reporting no hard inquiries or applications in the last XXXX years. But they only monitor credit applications, not checking account applications. I FROZE my XXXX account today. 

But I still want Chase to REMOVE my name XXXX street address, and email address from this FRAUDULENT checking account. And I do not want them to have my SS #.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a Cease and Desist with ENHANCED RECOVERY COMPANY. I explicitly stated that there be no communication through any medium other then through mail. XXXX AND TRANSUNION are continuing to furnish this information as a means of communication which is in violation of the Cease and Desist.
Product: Credit card or prepaid card

A company cancelled my purchase and refunded the money for a purchase since XX/XX/2022. However that was not credited to the credit card. However the electronic portal is showing that the balance is negative ( refund amount ). On XX/XX/XXXX When I made another purchase, however, this negative balance included and I therefore had to pay the full amount of the purchase even though a negative balance. 
Contacted the company on XX/XX/XXXX, the representative said it was a computer error and it would be fixed. 
When it was not fixed, then I called again and the supervisor XXXX said that the negative balance, which is a credit is held by Sears credit card until 90 days and then returned. I questioned why a negative balance then would be shown if it is not available for use. I got no answer from them. As such now I have to pay an additional sum of money to Sears card for the Purchase made on XX/XX/XXXX. 
Sears seems to be holding persons money which are credited to their accounts and using it for some purpose but it is not available for the customer to use for 90 days until returned.
Product: Credit reporting

It seems that some information which is not mine is on my credit report ; I have asked the credit reporting bureau to send me proof of the original loan with my signature, but they have refused. Please remove these items or send proof of my signature on these loans. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent a letter to the bureau regarding Inaccurate accounts being reported to my credit report. It has now been over 45 days that I have not received a response, I feel as though my request has been ignored. In this time of pandemic my credit report is crucial to me regarding that I must use it to feed and shelter my family who are unable to work and provide for themselves in this unfortunate time that Covid-19 has caused. Section 611 ( a ). States that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report, it has been over 45 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused not only me but my family as well in this time of uncertainty. My information has also been impacted by the equifax data breach which could also been in relevance to these erroneous accounts reporting inaccurate items on my report.
Product: Debt collection

Someone illegally opened this account in my name and withdrew the money out. THIS IS NOT MY DEBT
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX 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
Product: Checking or savings account

Company : Chase Bank XXXX XXXX, 2021 Received an unauthorized purchase on my debit card ( ending in XXXX ), XXXX XXXX. Chase removed the transaction and sent me a new debit card ( ending in XXXX ). 

XXXX XXXX, 2021 XXXX XXXX charged {$49.00} card ending in ( XXXX ) XX/XX/2021 XXXX  charged {$49.00} card ending in ( XXXX ) XXXX  charged {$49.00} card ending in ( XXXX ) XX/XX/2021 XXXX  Pending charge {$27.00} card ending in ( XXXX ) Card ending in ( XXXX ) has not been activated by me yet. It is extremely concerning that an un-activated card can be used by fraudulent persons. It also concerning that Chase does not document contacts on fraudulent charge matters. For financial reporting issues these are huge red flags. 

Contacted Chase to remove fraudulent charges on Checking account. XXXX at Chase said he would facilitate removing the charges from my account. Was told by Chase that since it was in a fraudulent individuals digital wallet there was nothing I could do to resolve it. Chase is the entity responsible for resolving the situation. I was on the line with Chase fraud services for XXXX minutes. 

XX/XX/2021 XXXX charge for {$27.00} accepted in my checking account. 

Contacted Chase fraud ( XXXX ) to inquire why I still have XXXX fraudulent XXXX  charges on my Checking account. Told by Chase that they have no record of past conversations of me reporting the fraud. Support rep told me that this fraud is handled by another department and I would need to contact them. Support rep transferred me to senior lead in the fraud department. None of my issues have been resolved. 

27 days is too long to for fraudulent charges to continue. 

There are significant financial control issues being violated here. I can't use debit card ( XXXX ) because it hasn't been 'activated ' yet. A fraudulent user who allegedly put my prior card ( XXXX ) in their 'digital wallet ', had the digital wallet send them my new XXXXunactivated ' debit card ( XXXX ), and the fraudulent individual is free to use debit card ( XXXX ). Who designs a financial system that operates in this manner, and doesn't empower employees to resolve issues?? 

Chase won't remove the XXXX charges from my checking account. 

Thanks, XXXX
Product: Money transfer, virtual currency, or money service

I have a Bitcoin account on Coinbase.com ( under email XXXX ) with approximately {$190.00} of Bitcoin currency in it. I used this as a fun bit of speculation. I want to have the money back in hand in my bank account. Coinbase operates a system called a " Vault '' allowing you to store the Bitcoins in it, and require authorization to remove it. It requires a text message authorization, and to confirm emails from my main email ( above ) and a secondary email ( XXXX ). I have access to all these things, and yet, the approval email to withdraw my money under the secondary email never arrives. As such, any request to withdraw my money is canceled. My {$190.00} is effectively held hostage by Coinbase. 

I have contacted them numerous times, and no one helps. It is merely a standard " Here is how a Vault on our website works '' email. Their phone service also gives no way of resolving the problem or talking to a person. It is frustrating and deceitful. Please advise. 

All the best, XXXX XXXX
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : DP OF EDUC # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Some tried to open two accounts in my name. There are two fraudulent inquires XXXX XXXX XXXX XXXX XX/XX/year> and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have disputed accounts with XXXX  XXXX  and Transunion. Accounts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have reported on my credit report. I have requested documentation from all companies listed above including all credit agencies. 

What was requested : Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : XXXX has never responded but credit agencies reposed as validated and never supplied proof which was requested. 

XXXX is now being sued by me in regards HIPPA violation and still reporting as valid with no proof from credit agencies. 

XXXX XXXX XXXX never responded to the original letter and should have been removed after 30 days of no response. Credit agencies still report as vaild without validation. 

XXXX XXXX has not been validated there has never been any business conducted with myself or this company and has not been validated but still reported as valid. 

The credit reporting agencies have ignored my request and have not supplied any supporting documentation that these accounts are valid.
Product: Money transfer, virtual currency, or money service

I attempted to send cryptocurrency worth {$750.00} to my USD wallet and the funds were never received. This happened a week ago on the XXXX.
Product: Vehicle loan or lease

Are they still duplicating my complaint? Your response does not meet my needs, I request that you send me the contract since you finance the vehicle. I request the right of access to my documentation since you are not sending it to me
Product: Debt collection

I am writing to dispute inaccurate information that has been reported by settled accounts on my credit report. Upon reviewing my credit report, I have noticed discrepancies that need to be addressed promptly. I am concerned that this inaccurate reporting is negatively impacting my credit score and financial standing. 
SHARONXXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
Despite settling this account, the information reported inaccurately suggests otherwise. It is my understanding that settled accounts should reflect their accurate status on my credit report, and any discrepancy is not only misleading but also damaging to my creditworthiness. The terms of our settlement agreement clearly outlined that the account would be considered satisfied upon completion of the agreed-upon settlement amount. Therefore, I am puzzled as to why this information is not accurately reflected on my credit report.
Product: Prepaid card

I received an AMEX Gift Card. By going to AMEX 's website, https : //balance.amexgiftcard.com, I verified that the proper balance of {$30.00} is on there. I attempt to use this on XXXX and the transaction is declined. Many people have reported having this problem starting this past year with their AMEX gift cards on XXXX. XXXX states the issues is not with them and that it is AMEX that is declining the transaction.