23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. '' XXXX Billing error resolution ( XXXX ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. 

Transunion report incorrect information on my credit report on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Contacted Loan Depot in XX/XX/XXXX and started the refi process. The process was long and communications were poor on their end. 
Just closed XX/XX/XXXX we were to get cash out of XXXX but instead of giving us the money they paid off the mortgage on another property we owned. This action was not in the disclosure and I asked them to fix it and they said it was too late. The Supervisor I was dealing with is XXXX XXXX XXXX. Not only was it not disclosed on the form the pages were barrier deep inside the paperwork and skipped over by the agent that came to the house. When we asked the agent when will we get the money he said after the waiting period we would receive the funds by check. After waiting a week and no check I called to find out where the money is they said the previous mortgage lender required it to be paid. They said you must of had a second mortgage and I said NO I DONT. Where is my money? WE will check into it and haven't heard a word since. 

My name is XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

So my tenants were approved for rentals assistance in 2022 by Georgian rental assistance program DCA. As at that time my fianc was with and I gave her bank account info with wellsfargo to DCA to make the payment. The first of {$1200.00} came in for a month because they were two tenants who was approved, others werent. Late on they deposited all outstanding payment for both tenants which was amounting to about {$43000.00} into the checking account on XX/XX/year>. They put the account on hold after three days and when we contacted them they said they wanted to verify the source of payment and they said theyve sent DCA information and they needed DCA to answer them before they release the payment. On contacting DCA they said they didnt get any request from the bank and they fund is with wellsfargo. Wellsfargo later closed the account promising to send my fianc a check for the money in her account but never did and DCA said there was no return of payment because thats what I asked them to do if they couldnt release the payment. Ive lost my ability to walk. Currently disabled thats why I needed my fianc to help me. Till now, Wellsfargo has refused to release or return the payment. The last time I called myself, they said theyll release the payment once my fianc visits the bank or called, when she did, they still didnt release nor return the payment. Sometime when I called, an agent told me its with Georgia unclaimed funds which I dont know why or what that means. 

Ill attach the screenshot of the payment profile with DCA and when my fianc got the money into her account but wasnt returned to DCA even after it was removed from her account Please help me I need this money
Product: Debt collection

On XX/XX/2023 I called XXXX XXXX to accept a settlement that was offered to me in XXXX of 2023. I was told they could no longer settle the account because they started an active wage garnishment. I have two issues with this. 

I was never provided a summons by this company so I was unaware of any judgements against me. The company claims a summons was handed directly to me, this is not correct. I would like proof of delivery. 

I spoke with this company many times and was trying to negotiate a settlement. I offered {$1000.00} and was told the client Capitol One refused to accept this offer. I was never once advised during my conversations with the company that my account was going to be submitted for garnishment if action wasn't taken. I had advised the company I had {$1000.00}, If I was properly advised the status of my account I would have figured out a way to come up with the extra money quicker. 

Since I was never properly informed of the intended action taken on this account, I was forced, or bullied, into paying the full balance plus an additional {$30.00} to wire transfer payment. This was the only way to prevent garnishments. It seems very deceptive that a settlement was available 2 weeks ago, but now there is no way for them to accept a settlement.
Product: Debt collection

I never received an XXXX notice, I checked my credit report and saw Meridian on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Financial Data Systems added a derogatory mark on credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Financial Data Systems has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Vehicle loan or lease

in XX/XX/XXXX, Chase bought out my lease with XXXX XXXX. There were multiple communications between me, the branch I went to in order to complete the transaction and the title department at Chase which resulted in me submitting the same paperwork each time. I received no more communication from Chase on the matter after the last paperwork I sent in. In XX/XX/XXXX, I tried to trade in the car only to discover that I wasn't able to because Chase still had not filed the lien on the car. When I called, the title department stated that they never received the title from XXXX. I called XXXX and they advised me of the date and confirmed receipt of the release they sent to Chase. They issued a duplicate in XXXX and I confirmed it was received in XXXX from Chase Customer service. I have called several times since then and have not received any movement on the matter. No one will transfer me to the title department but only say that I'll get a call back in 10 days and no one ever calls me or if they do, they don't leave a message. The last excuse I received from customer service was that they are moving the titles department to another state. There is no excuse for taking nearly three years to title a car. Today I received a XXXX XXXX package from Chase asking me to fill out yet ANOTHER title application and have XXXX sign it. This is not possible for me to do as XXXX has closed my account, released the lien to Chase and has sent duplicate titles. I can't call them because I no longer have an account with them and quite frankly, I'm the one who had to reach out to my connections with them in the first place to get you a duplicate title because you wouldn't. I don't want to continue to do the job that Chase should be doing. I've even reached out to people that I know who work there and we still can't seem to get this sorted out. I work in the auto finance industry and we wouldn't be in business if we did stuff like this. I also know there are ways you can get this done without me having to do all the things you've requested. I have been trying for 8 months now to get this resolved and this is the last resort for me. I did not want to have to complain as I have tried to work with Chase many times and often. This is a last resort. My car is sitting in my garage, taking up space, I don't want to put miles on it and I'm paying on a car I'm not using. I need this fixed today.
Product: Credit card or prepaid card

I have a Sam 's Club Mastercard through Synchrony and they out of no where Closed my account. Account has always been in Good Standing and always paid on time. From one billing cycle to the next account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received my credit report from equifax, XXXX, XXXX in regards to some inaccurate information on my credit report of charge offs from united illuminating that I have disputed and would like for that information to be remove from all of the credit agencies to no avail I want this information to be gone
Product: Debt collection

Wakefield & Associates had a judgment against me. I filed Chapter XXXX Bankruptcy and was Discharged and they have failed to notify the court that I was discharged and the judgment is still showing up on my credit report. When I spoke with this company they told me it was not there job to tell the court. They also stated that I still owe the debt and can make a payment to them. No I am not making no payment this why I had to file chapter XXXX.
Product: Credit card or prepaid card

For the past 2 weeks I have been unable to use my Citibank Double rewards credit card. They only have 1 verification method and sadly other creditors have 3 or more ways achieveing verification. I have spoken 2 3 XXXX customer service reps including their fraud department. They have taken my account and blocked access for a 2week or longer investigation.

The dumb part is i can access the account via my mobile phone and citi app. However theres nothing that their customer service or fraud department " claims to be doing ''. It is gwtting to a point that im going to cut the card in half and need a credit card with american speaking customer reps that can tell a difference between fraud and a person purchasing breakfast and the prior charges in the account are from the same retailer..Ive been kind but if this doesnt resolve soon. I will rescind further payments and see if i can sue for the account mistakes. I was repeatedly asked by citibank reps if i had a checkings account with them and i dont, and never did. I only had a credit card and dont understand citibanks major malfunction ...
Product: Credit card or prepaid card

Not my account it only on my XXXX credit report it's inaccurate
Product: Student loan

Navient continues to call telling me I need to make a payment even after a payment has been processed. The call multiple times per day and harass me for a payment. I tell them I have already made a payment and they do not stop calling.
Product: Vehicle loan or lease

High interest rate from about XXXX ( purchased a vehicle in XXXX ) @ pretty low rate but it went up significantly right after that.
Product: Checking or savings account

I initiated a deposit for {$4000.00} on XX/XX/XXXX using the mobile application but their application stated it was too much for the deposit through the application. I then when to the Chase Bank on XXXX XXXX XXXX XXXX XXXX, CO XXXX and deposited the check with XXXX, the branch manager. I let him know that I was depositing this check because it hadn't accepted the check. He took the check and deposited but It was never credited on XX/XX/XXXX. When I receive an email on XXXX stating my {$4000.00} dollar deposit was reversed, stating it was a duplicate deposit but on my XX/XX/2023 Chase Bank statement, it only shows my original electronic deposit completed on XX/XX/XXXX. When I called the customer service stated it was cashed at a different financial institution but when I called my XXXX XXXX  where the check was written, it was only chased on the original date of XX/XX/XXXX and processed on XX/XX/XXXX. The last printout of Chase I requested showing my transaction history only shows the one time deposit but at the bottom of the Chase statement, it shows that on XX/XX/XXXX, it states the check was deposited at Chase on XX/XX/XXXX but again, never credit. The funds have been removed from my XXXX XXXX  account and I was credited the {$4000.00} once then removed on XX/XX/XXXX from Chase. Chase has not done the proper research to show the check was credit twice. Yes, it was deposited twice but credit was only given once and withdrawn once on XX/XX/XXXX which leaves my credit of XXXX. I provided them bank statements and printouts from my XXXX XXXX  showing it was withdrawn only once but they're refusing to credit my any {$4000.00} on my Chase Checking account. I'd like to receive my {$4000.00} in my checking account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I did a transfer through Zelle from my checking account with XXXX in the amount of {$750.00} for the purchase of a puppy. The next day we realized that we were scammed and I called to bank right away but the money had already transferred. We tried contacting the seller but they wouldnt answer our calls or emails. The bank did an investigation but because of XXXX terms if service they couldnt get the money back. I called the bank once again to reopen the investigation which they did but still had the same outcome. This incident like many others are being overlooked by companies like Zelle, who do not protect the customers. We loss {$750.00} and no one helped us get it back.
Product: Credit card

My credit card was stolen last XXXX while I was on vacation in XXXX. I didn't know until I came back on XX/XX/XXXX. I immediately went to the bank and asked for their help. My credit card was stolen XXXX dollars, the bank told me that I don't have to pay it back, and then I applied to close all my accounts. About a week later a stranger used my personal information to open another credit card at the bank. I don't know how he got my personal information, but he used the new credit card to charge another {$1500.00}. I then went to the bank and applied to close the account again. The bank assured me that there would be no mistakes this time. In XXXX of this year I received a bill for {$4000.00} from a debt collection agency and I was very angry. The bank assured me that the problem had been resolved.
Product: Vehicle loan or lease

Hello. I made a previous claim because I refinanced my vehicle from XXXX XXXX to XXXX XXXX. XXXX XXXX sent a check and I put it in my Chase account and paid XXXX XXXX the same day. A month later Chase pulled that payment back from XXXX XXXX because Chase said they d needed XXXX XXXX  endorsement. ( A Month later ) so they advised us that XXXX needed to do a recall on the check to get the check back. Yall sent a check back but with no information on who the check was for so XXXX sent the check back to Chase back in XXXX. We are waiting on yhe check to be sent back with my information on it so they can know who its for.
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 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 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

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - XXXX - {$87.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a predatory Credit Card with XXXX back in XXXX of XXXX. In XXXX of XXXX I fully paid the card off and requested for the card to be closed. 

I spoke with a XXXX XXXX who stated that she will waive the {$9.00} closing fee and close the card. She assured me that the account would be closed and I would not accrue any interest on this account anymore. 

Fast forward to today, I got an alert from XXXX XXXX stating the account is in arear for non payment. I was shocked that there was a balance and that the account was not closed. 

I called and spoke to Multiple Supervisors and they are unwilling to assist me and have been very rude. 

This has affected my credit score and after I made the initial call, they reported me again, I found my account to still be open with a balance that was double the amount and my credit score dipped more. 

This account was fully paid off in XXXX and should have been closed since then. 

You can reference XXXX XXXX at XXXX XXXX.
Product: Vehicle loan or lease

My made multiple attempts to pay my monthly car note payment. The payments are not going through because Capital One keeps trying to take the money from my savings account and not my checking account. Ive called XXXX to update the information. Most recently, on XX/XX/2024, I called in and spoke to a rude Rep and updated my checking account information again and today the payment declined for insufficient funds. I dont recall ever giving my saving account info and i have attempting to fix this problem multiple times. please help
Product: Money transfer, virtual currency, or money service

Re : file number XXXX ( scott and associates internal id ), received a paper letter on XXXX XXXXnforming me that they are investigating a fraud claim. 

Scott and Associates, Your client, XXXX is involved in fraud that was exposed to me by the collapse of XXXX. I have made your client aware of this fraud. Your client has failed to comprehend anything that I say to them, and has been harrassing me for nearly a year now. 

I am suffering an estimated XXXX XXXX usd per week in damages due to the fraud. 

I request that you stop harassing me or contacting me in anyway regarding this account, and I demand that you immediately return my bitcoin and compensate me for damages. 

I will not discuss the case any further with your client as it gives me a great deal of XXXX Figure it out.
Product: Money transfer, virtual currency, or money service

I processed a wire transfer for {$10000.00} from Wells Fargo to XXXX XXXX, XXXX, via Wells Fargo online portal, on XX/XX/2021. I was charged {$30.00} for one day transfer, I believe. The transaction posted on my account the very next day. However, the receiving party never received it. I was told to wait for 5 business days for it to go through. I waited till XX/XX/XXXX. It was still not received. I went into the local branch to start a wire claim. I spoke to XXXX XXXX ( a personal banker ). He initiated the claim and provided a claim number. I was told to wait 10 business days. He said we would be contacted either by phone or by e-mail. To this day, no communication has taken place from Wells Fargo, except for when we called in. 

I waited till the 11th day and called to check on the wire investigation. I kept getting a run around between online fraud and online non-fraud departments. Nobody was able to tell me anything about the investigation or where my money was. Finally, I went into the local branch again to speak to XXXX XXXX. He also had to call customer service and they kept transferring him between agents, without a straight answer. By this time, I have waited more than half a month for my money to be returned or found, as it was never received by the recipient. He said he escalated the matter to the resolution team. I was told to wait 3 additional business days. It has been 3 business days and I have yet to hear back from anyone. It would be exactly one month tomorrow since I had first initiated a wire transfer. I have not heard from anyone or received a refund. 

I am seriously concerned as to where and how they lost my money. XXXX is a big amount to me. I need it found and returned.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Attention : Complaints Division XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Failure to Remove Fraudulent Inquiries Despite Identity Theft Report Dear Sir/Madam, I am writing to express my serious concern regarding the handling of fraudulent inquiries on my credit report by Trans Union XXXX Despite multiple attempts to rectify this issue and providing evidence of identity theft, I have encountered significant obstacles in having these erroneous inquiries removed from my credit report. 

On XXXX XXXX XXXX I became aware of unauthorized inquiries on my credit report, indicating potential identity theft. Without delay, I took immediate action by reporting this matter to Trans union and providing all necessary documentation, including an identity theft report. However, to my dismay, these fraudulent inquiries persist on my credit report, causing undue distress and jeopardizing my financial well-being. 

What is particularly troubling is the response I received from Trans Union, suggesting that these inquiries are attributed to a third party rather than acknowledging the clear evidence of identity theft provided by me. This refusal to acknowledge the gravity of the situation and take appropriate action to rectify it is deeply concerning and reflects poorly on the integrity of your institution. 

As a consumer who has diligently followed the necessary procedures outlined by your agency to address identity theft, I implore you to take immediate action to rectify this matter. It is imperative that these fraudulent inquiries are promptly removed from my credit report to prevent further harm to my financial reputation and restore my peace of mind. 

Furthermore, I urge Trans Union to review its protocols and procedures for handling cases of identity theft to ensure that consumers receive the necessary support and protection they rightfully deserve. Identity theft is a serious crime with far-reaching consequences, and it is essential that agencies such as yours demonstrate a commitment to effectively combatting it. 

I trust that you will give this matter the urgent attention it warrants and take the necessary steps to address it promptly. I look forward to receiving confirmation of the removal of these fraudulent inquiries from my credit report within a reasonable timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX