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

I received several emails stating multiple accounts were opened in my name. I have reached to the company asking to have the accounts closed, and provide more information. I was told the accounts would be flagged as fraud and closed. Several days later I am still receiving emails and the acooitns are still open. I am being refused information about the account and it is not being closed. I called on XXXX XXXX multiple times for s resolution. I reached back out XXXX XXXX as I was still receiving emails. I have an sent them an email stating the accounts were fraudulently opened. The company BMO is not willing to close the accounts or provide information.
Product: Credit reporting or other personal consumer reports

I am a victim of identify theft since XX/XX/XXXX and a police report was filed for the first incident in XXXX of XXXX. I have had several credit card accounts compromised, several new accounts open in my name, numerous inquiries into my credit from companies, new addresses and phone numbers that are not mine added to my credit report, etc. I have contacted all credit bureaus and have put a freeze on my credit. I have disputed all inaccurate information to the credit bureaus and have contacted the companies to dispute the unauthorized charges, newly opened credit lines, and incorrect information. I have been successful with all thus far with the exception of XXXX and Apple Card. An Apple Card was opened on XX/XX/XXXX. I printed my credit reports in XX/XX/XXXX and realized this card had been opened without my knowledge. I called Apple Card and reported this as fraudulent, informed them of my issues with identity theft, reported that the address and phone number they had on file was not mine, that I have never lived at that address, and that I have no knowledge of that address with the exception that the address was used to open and/or attempt to open multiple other fraudulent credit cards and loans. Apple Card informed me that they would look into the issue and they closed the account. I also reported this dispute with XXXX. I received notice at the beginning of XX/XX/XXXX that XXXX had founded in Apple Card 's favor and the information was verified. I then went to my local police department and filed an incident report with regard to the fraud. Apple Card and XXXX have yet to delete this information from my credit report. Whatever investigation Apple Card did, they never contacted me for additional information to verify my identity, address, or phone number.
Product: Money transfer, virtual currency, or money service

Hi there, I made a transfer via ACH wire at XXXX XXXX XXXX to repay a debt amount back to a XXXX XXXX another Wise user into their USD account. 

I did transfer the money from my account which is XXXX XXXX XXXX, the account is linked with my XXXX wise account ending in XXXX. 
They rejected this payment as it did not match the name XXXX, in which I stated that XXXX is the head company and no bank accounts are associated with this at the present. 
I explained this and sent all documentation explaining this with my ID, bank statements, and closing docs for the property sale pertaining to the loaned funds being retuned. 
After some back and forth they finally accepted this and issued a refund. 

I have been waiting for my refunds of {$24000.00} USD to be retuned. 
All the help center can tell me is that the refund has been actioned and will be returned to the original source. 

I have been waiting for these funds to be returned for over 30 days. and I feel they are just stringing me along. 

they only correspond now with email and no contact phone number. 
I have used this company for multiple transaction across the globe however this is the first ACH transfer I have ever done with them.
Product: Credit reporting or other personal consumer reports

Ive requested ( SEVERAL ) times ( TRANSUNION ) remove the negative & inaccurate account from XXXX XXXX XXXX Which the company has provided information that they dont have an account for me. 

But ( TRANSUNION ) has violated 1681n willfull non-compliance by not removing this item and repeatedly stating they dont have a consumer report for me. Which is inaccurate I have attached the consumer report to this COMPLAINT
Product: Student loan

On XX/XX/2010 I contacted AES to payoff my student loan and was told by the AES representative that settlement payoff amount was {$6100.00}. I paid that amount and after two years I started receiving monthly statements again from AES and contacted them. The AES agent told me they would review and that I was all set. Another few years passed and once again I started receiving the statements and again I contacted AES. I spoke to this particular agent multiple times with her also telling me the account was paid off. Today again I'm getting statements and now late fees for a remaining balance of {$1600.00} that has since increased to {$2200.00} over the 5 months waiting for action from AES. It was my understanding and still is that this account was paid off in 2010. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I accessed my free annual credit report and discovered that Equifax was reporting an auto loan that my husband and I have with XXXX XXXX XXXX XXXX XXXX ( XXXX ) as CLOSED with last payment XX/XX/XXXX. This account is currently open, with an excellent payment history, last payment XX/XX/XXXX. I filed an online dispute with Equifax on XX/XX/XXXX and on XX/XX/XXXX I received a communication from Equifax in the mail dated XX/XX/XXXX confirmation # XXXX ( copy attached ). This communication stated that a reinvestigation of the XXXX account was researched and the creditor verified the information in the communication which included no account balance and last payment date of XX/XX/XXXX. 

On XX/XX/XXXX I spoke with XXXX in Member Services and XXXX in Special Accounts at XXXX ( XXXX ). In response to my dispute with Equifax, on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX XXXX provided Equifax with documentation that the auto loan remained OPEN, in good standing with current monthly payments. It is noteworthy that for 84 months XXXX XXXX XXXX XXXX XXXX has provided Equifax with documentation of an open account in good standing, current monthly payments and balance information and Equifax has failed to report this information since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple hard inquiries reported on my credit report. On my XXXX credit report, one from LightStream on XX/XX/2023 and also from XXXX on XX/XX/2023. On my XXXX credit report, there is a hard inquiry from XXXX XXXX XXXX, on XX/XX/2023. I do not recognize any of these. I called the companies on my XXXX report to request a deletion letter on XX/XX/2023. I called the company on my XXXX report on XX/XX/2023 to request a deletion letter. They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Product: Mortgage

We secured and were under an agreement with Wells Fargo to purchase a home under an 89.9 % loan exception which allowed us to pay a 10.1 % down payment on the purchase of a new home. These conditions provided a significant advantage to us in terms of the cash out of pocket and was the basis of pursuing the loan through Wells Fargo versus alternate loan providers. We progressed through the loan process ( providing timely documentation ) and were assured at multiple stages that we were on track to close on the contract date ( XXXX XXXX ). 

Wednesday morning before XXXX ( XXXX XXXX ) we received a call from an agent of Wells Fargo indicating that Wells Fargo did not agree with the appraiser 's estimated home value ( which they had since XXXX XXXX ) and required the loan to go through additional internal reviews. They communicated that these reviews ( even if expedited ) would delay the closing date of the home. The agent indicated the only scenario in which we could maintain the original closing date was if we put 20 % down. He pressed and indicated they needed our decision by mid-day otherwise the closing would be delayed. 

I communicated how egregious I thought the entire scenario was and that I believed this was a " bait and switch ''. This last minute issue arose XXXX 44 days post contract submission, and ~ 30 days post receipt of the original appraisal.
Product: Debt collection

Repeated call with no information from a company called Portfolio Recovery which I believe is a debt agency. Calls are from numbers which appear to local as they use our local area code. Always a different number. No identification info is given and no info re the debt. Constant calling.
Product: Credit reporting or other personal consumer reports

Lexington law firm was taking my money but never fixed anything on my credit report
Product: Credit reporting or other personal consumer reports

In reviewing my credit report, I identified a late payment that does not belong to me. Specifically, the account with JPMCB CARD, reported under account number XXXX, shows a " 60 days late '' payment status on XXXX and XXXX for the month of [ XX/XX/year> ]. However, my payment history reflects that all payments were made on time, as indicated in the attached detailed records from IdentityIQ, showing a " current '' status with no past due amounts for the same period.

This appears to be an error or misreporting by the creditor or the credit bureau. I have already reached out to the creditor to address this issue but have not received a resolution. This inaccurate late payment is affecting my credit score and could potentially impact future financial decisions. 

I am requesting a correction to my credit report to accurately reflect the payment status as " current '' and remove the erroneous late payment notation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech Financial LLC f/k/a Green Tree XXXX  XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my XXXX and XXXX Credit Reports.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXXXX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose TARGET XXXX LATE PAYMENT XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2022 I bought a {$400.00} XXXX  gift card from XXXX and I tried to purchase something online and my card got locked, when I called the gift card service to get it fixed they said it was suspicious website was probably a scam that I purchased from so they locked my card and I requested a card and didn't receive it so I called them and requested another card and I still didn't receive and for my first card request they sent it to the wrong address the second request they made me wait 20 days just to request for a second card so I decided to request for a check of my money back and it's been almost two months it's XX/XX/XXXX, and I still haven't gotten my refund and I called them today and they said I have to wait another 3 weeks.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXX - XXXX - Under 15 USC 1692g. Validation of debts- Please delete this account for failing to do your due diligence making sure everything is 100 % accurate on my report XXXX - XXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX. XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. 
XXXXXXXX XXXX XXXX  XXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX. XXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance. 
XXXX - XXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. 
XXXX - XXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. 
XXXX XXXX - XXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S.

Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 
XXXX - XX/XX/year> - This inquiry was misrepresented and should be deleted from my report. - Please delete immediately. 
XXXX - XX/XX/year> - This inquiry was misrepresented and should be deleted from my report. - Please delete immediately. 
XXXX - XX/XX/year> - This inquiry was misrepresented and should be deleted from my report. - Please delete immediately. 
XXXX XXXX XXXX  - XX/XX/year> - This inquiry was misrepresented and should be deleted from my report. - Please delete immediately.
Product: Debt collection

This company and I think it was the same person that contacted me in regard to a remaining balance at XXXX XXXX XXXX. I told them the last 3 times the same thing that I told them from the first phone call that I would not be providing XXXX XXXX XXXX another dime. And thats because they didnt complete the contract. I only received the temporary dentures and they never completed the care that I was supposed to receive. And thats why there is a remaining balance, that my insurance company did not complete payment because of these issues. And I told you before but Im going to tell you again, DO NOT CONTACT ME AGAIN!
Product: Checking or savings account

On XXXX I purchased an XXXX XXXX XXXX XXXX XXXX for {$7000.00} with XXXX miles. On XX/XX/XXXX my wife noticed a power loss in the vehicles driving so she came home and then the vehicle was dead ... I then went online and checked for a XXXX for this vehicle and found that 30 Days before in XXXX of 2018 this vehicle was sold at Auction with XXXX miles. I called the Dealer and they acused me of Buyers Remorse and would not listen to my Complaint about the XXXX and the mileage. 
I Paid this purchase with my Debit Card from Bank of America. So I called the Number on the card, told them what happened and they recommended me to go to our local branch and submit the Buyers Order and XXXX to the Fraud Department via Fax from the bank. We did and that was on XX/XX/XXXX ... By XX/XX/XXXX the Bank did a temporary credit of {$7000.00} the Full Purchase Amount and we were told this would take about 60 days to finalize. As of XXXX The Credit was reversed and the wheels are turning to Award the Dealer with the Full Payment. Yesterday, XXXX XXXX I was on the phone with the Fraud Dept. AGAIN. Telling my story AGAIN and they said the case was being Escalated AGAIN but No one seems to be looking at my Paperwork which proves that I have been Defrauded of {$7000.00} ... The Bank Claims Publicly that they are on our side, Against Fraud, and will Stop at no means to bring the criminals to justice but they fail the look at my Paperwork ... ..WHY??? Bank of America Claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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
Product: Consumer Loan

I took out a loan and because I got my due date confused I was charged late fees. I an accept that but, in XXXX I made a payment of XXXX and my monthly payments are XXXX so I was paying part of the late fees but not all. When the payment was applied it was applied towards part of the late fees first causing me to be late again and adding more late fees on the account. I believe the payment should have been applied towards principle and interest first then the late fees.
Product: Credit card or prepaid card

Time of Applicable Cases : Approximately, XX/XX/XXXX -XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX-XX/XX/XXXX ( XXXX XXXX ), and Complaint on potentially deceptive credit card business practice based on corporate policy that is not fairly and properly administered : ( Complaint Below ) CHASE advertises a credit card service that appeals to XXXX XXXX frequent flyers , and I applied and obtained a card for use. After several months of using the card, I received a letter from CHASE that it has " decided to close your [ my ] credit card because we [ they ] are no longer offering personal and business credit card accounts to current or former non-U.S. officials, their immediate families or close associates. '' Not only was this action poorly informed as CHASE did not both to verify my current immigration status in the States, but later action on its part against my family member ( wife ) points to a deceptive business practice under this particular credit card it offers and the promotional materials it disseminates. 

A while after my CHASE credit card account was shut down, after I have accrued over XXXX USD balance I had to pay back to clear the account, which I satisfactorily paid off in respect of my obligation. However, in being not so certain about the soundness of this CHASE action and policy that I called the headquarters to discuss and present my case against, my wife applied for a similar card. She was approved for a card, received it, began using the card ( we did as approved card has option for assigning a secondary card user ), and few months later, my wife received a similar later. Account to be closed on similar ground as was used in my earlier experience. 

CHASE has demonstrated inconsistency in its credit card offering services and practice. While I still doubt the proper application of such policy against me, its approval of my wife 's application presents more reason to doubt CHASE 's seemingly deceptive business practice that seems aimed at putting susceptible customers in depth. 

This practice needs to be scrutinized so that any law or regulations the company is applying will be administered equitably and devoid of what appears to be deceptive features. 

Please assist us address this matter, and please feel free to contact me at my email address or cellular number, XXXX and XXXX. 

Sincerely, XXXX XXXX Disgruntled CHASE Customer ( former )
Product: Checking or savings account

Today, I deposited a postal money order of {$1000.00} into my personal account ( XXXX ) at Bank of America because my local post office didn't have enough funds to cash it. The branch teller informed me that the funds would be available by XXXX, XX/XX/XXXX. However, later in the day, I received an email stating that the funds would be held until XX/XX/XXXX for verification. In a panic, I called Bank of America and spoke to a supervisor, who confirmed the extended hold. I requested the return of my check, explaining that I needed the funds to pay my rent, but they said they couldn't do anything. I need to file a complaint about the misinformation I received. Had I known about the hold, I would not have deposited the money order.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Called into Transworld Systems Inc and Spoke to a woman agent on XX/XX/XXXX @ XXXX for 5mins and 20 seconds because I received a letter stating that I owe {$730.00} in unpaid toll on license plate number XXXX. I gave her my account # listed on the document. She said this debt was from XXXX. I explained to her that that is impossible because I just received a letter stating that I owe a balance of {$350.00} almost a month ago.Then she stated i actually owe a total of {$2300.00} from XXXX XXXX in unpaid toll from 1 year ago starting from last XX/XX/XXXX to now. I told her that was impossible. I asked her what was the license plate numbers she read of XXXX and XXXX. Now I'm assuming that {$1500.00} is unpaid tolls for XXXX. I stated again that is impossible. I am confused is this from XXXX or XX/XX/XXXX. She said both. I asked her Can you please give me the total amount due on plate number XXXX. She said she could not provide me with that. I asked her could she send me photos with dates and times and shots of the plates, she said she could not. Go on the website and find the information, which I was unable to do so because the violation number was inaccurate for the XXXX plate and it would not come up without the violation information. I stated to her, you do know we are on a recorded line and I am asking you for a total to make a payment and you are denying me and referring me to a website. I do not feel comfortable or confident that the information provided from that company is correct. Please help me. I am not working now and I do not want to be ripped off giving the little money I have now. I just want clear concise information.