23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to all 3 credit bureaus to get my old information removed ( name, prev and incorrect address ). However they refuse to update my information.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Demand Notice Promotional Bonus Offer Checking Account XXXX To Whom It May Concern : 1. On XX/XX/XXXX, I applied for and was subsequently approved for checking account XXXX in response to an unnamed {$300.00} promotional offer ( the Offer, Exhibit A ) which states Congratulations! You're eligible for this offer. 

2. On XX/XX/XXXX, I met all promotional requirements of the Offer. The bonus did not post. 

3. I contacted customer service on XX/XX/XXXX ( Exhibit B ) and the executive office on XX/XX/XXXX ( Exhibit C ) to request payment. 

4. Both requests were denied ( Exhibits D and E ).

5. The failure to credit the bonus constitutes breach of contract, unfair and deceptive business practices, unjust enrichment, and fraud. Moreover, it is emblematic of the serious ethical problems at Wells Fargo Bank. 

6. I am willing to settle for treble damages in the amount of {$900.00}.

7. Else this matter will proceed to trial. 


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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, and 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: Bank account or service

I used XXXX " access checks '' from Bank of America ( {$600.00} each ) to pay a contractor for work related to repairs on my house. The XXXX access check was written to him for the work. The XXXX access check was written to him after he claimed that the XXXX check was accidentally destroyed by his dog. He then never completed the work nor returned any of the money. Since then, the police has charged and arrested him ( the case is pending trial at this time ). I had also notified Bank of America asking them to reverse these charges. They had asked for a copy of the original contract ( which I provided ) and evidence of the work not being completed ( they refused to accept pictures ). On this, I submitted the adjusters report from the claim I filed on my homeowner 's insurance. This report showed clearly the significant damage done to my home as a result of the incomplete work by the fraudulent contractor. I had also submitted the police report and contact officer 's information to Bank of America. After receiving a rejection letter from Bank of America claiming I did not submit all required documentation ( which in good faith I had! ) I called their Status Department for dispute resolution and spoke with XXXX XXXX the supervisor. She admitted that EVEN IF I FOLLOWED THROUGH EXACTLY WITH ALL OF THEIR REQUIREMENTS ( which I did! ) that they STILL COULD NOT RE-CREDIT MY ACCOUNT since, in her words, Access Checks are like cash. I had used those access checks because I felt they gave me greater security in dealing with merchants. As a consumer, when I use those checks, they show up as CHARGES TO MY CREDIT CARD and thus should be treated like any other charges I would make from time to time using the credit card -- thus being protected from unscrupulous merchants. As a final note : I expect in life to have to deal with people who are out to defraud me ; unfortunately, its a part of life. What I do n't expect and am even more angry over is when a company that promises to protect my purchases IN WRITING fails to follow through with that commitment. 

I have the following documents : 1. original contract with the contractor ; 2. copies of checks cashed ; 3. police case # and investigating officer ; 4. copies of insurance adjuster report detailing damages to my house ; 5. invoice from the new XXXX I had to hire to repair the unfinished work ; 6. documentation of phone calls to Bank of America ( XXXX phone calls over a period of 2 months totaling over 2 hours ) ; and 7. XXXX fax confirmation sheets that I had sent to Bank of America providing documents that they requested.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for an American Express Gold credit card on XX/XX/XXXX, and I was denied. At the time of application for said credit, I submitted a financial asset which I have received NO benefit from. The application that I submitted online is a promissory note that, based on the securities act of 1933 is being transferred for interest. According to Sec 16 of the Federal Reserve Act, my promissory note is an instrument that is acceptable collateral for this exchange because it is a tender payment. Pursuant to 17 CFR 240.10b-5, you assume civil liability for the sale of my securities.
Product: Credit card or prepaid card

I applied for this credit card, and was never taught anything about credit growing up, which is something I definitely feel should be taught in school. I lost my Mother when I was XXXX and my Father when I was XXXX. Now as a XXXX year old woman, I have found out that credit is extremely important and all I want to do is fix it and use the information I have used, by self teaching, to maintain my credit responsibly. 

When I got the card, my boyfriend was working and helped me pay my credit card bill. I used the credit card and paid my friends down payment on her car, and she failed to pay me the {$100.00} back. My boyfriend 's job started cutting back on hours and sending them home early, causing his checks to be extremely short. 

This account remains on my account although it has been closed and I would love for this matter to be resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and Experian in XX/XX/2021 and I did not receive any written responses to my dispute letters. So, I resent the letters in XX/XX/2021 for no response to my initial letters. Still NO RESPONSE. I sent another batch of letters in XX/XX/2021. And again, NO RESPONSE. At this point I'm frustrated and disappointed that they have failed to conduct a proper investigation concerning the inaccuracies on my credit report. I've given them more than enough time to investigate and respond.
Product: Checking or savings account

On XX/XX/20, I submitted a claim for fraudulent activity amount XXXX on my account after I was assured changing my password would solve the problem only the bank never blocked charges from the service the fraudulent activity is from. I'm notified after that is something you have to request. There was no fraud protection for my account. Chime is denying resolve in this issue when I have done everything I can as the cardholder to protect my account. I have made two police reports both submitted to chime. My lawyer is revising next steps to take pressing forward.
Product: Credit reporting or other personal consumer reports

upon checking the credit report I noticed charge-off accounts which is unlawful.
Product: Vehicle loan or lease

I purchased a used vehicle from XXXX County truck sales and when trying to register the vehicle the state of Indiana stated I needed a one in the same affidavit from the bank. This form is needed because the original lien for the title was held with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, however in XX/XX/XXXX they merged with bank one who later merged with JP Morgan chase in XXXX. The lien was originally released in XX/XX/XXXX and was released by Bank One a division of JP Morgan Chase. I originally met with a chase rep on XX/XX/XXXX who called the auto loan department to assist as the rep in the bank was clueless to what I was requesting. The auto loan department assured me they were aware of the form and it would be mailed out within 3 business days. On Monday XX/XX/XXXX I called the auto loan department to ensure my letter was being mailed out and was informed that it was not, however out rep assured that it would be mailed out because no one inside a branch office could fill the form out for me. On Tuesday XX/XX/XXXX I called the auto loan department to ensure that there was trail created on my behalf about the one in the same form that I requested and was informed by this rep XXXX that the letter was mailed that day. On Thursday XXXX XXXX I did a follow call to the loan and department and spoke with XXXX who stated that the form was not mailed out only a lien release which I then stated that is not what I requested and asked to speak with a manger and I was informed by XXXX there was no manager available and since I wasnt an actual customer he would ensure that the one in the same form is mailed to me. I called into the branch in XXXX, Il to speak with s manager and get done help only to be told by the rep on the phone that I should call that loan department back and tell the I need to speak with a manager because the bank forest handle issues with that department. I called back into the loan department and requested a manager and XXXX came to the line I explained to her what was going on and with no apology I was informed by XXXX that she would mail the form out. I called the lien department Saturday a XX/XX/XXXX and was informed by XXXX that there was no one in the same form mailed behalf and he would ensure that one is mailed out on my behalf Monday XXXX XXXX. I requested to speak with a manager and was informed by XXXX that theres no manager available and he asked for my phone number so that someone could return my call.
Product: Credit card or prepaid card

I received a phone call concerning my Synchrony Bank XXXX XXXX Visa Card, I received a phone call from XXXX, XXXX - XXXX. Synchrony bank called me stating there was a credit balance showing an excess of {$1.00}. There is a billing error, any error is defined as a billing error. There is a misrepresentation of character amount showing {$1600.00}, i need documentary evidence on how this extension of credit was made. 

This is a notice of Billing error, i need documentary evidence personal goods were delivered.
Product: Credit reporting

Due to XXXX 's XXXX XXXX error, my account that has been closed and inactive for almost 17 months, was sent to collections. I am in the process of disputing with XXXX and XXXX XXXX which has the debt now.
Product: Credit reporting or other personal consumer reports

Identity Theft Victim XXXX. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( XXXX, XXXX. XXXX. ) Request for Removal of Fraudulent Accounts Identity Theft Victim CC : Federal Deposit Insurance Corporation ( FDIC ), The Consumer Affairs Division, Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ) The following fraudulent accounts and inquiries were created without my knowledge, authorization, or consent : 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 XXXXXX/XX/XXXX I demand that Equifax take the following corrective actions immediately ; permanently remove all fraudulent accounts and hard inquiries associated with this identity theft, cease and desist from reinserting fraudulent accounts on my credit report without prior written notice as required under the FCRA, provide me with written confirmation that these accounts and inquiries have been permanently removed, conduct a full security review to ensure that my personal data is not being repeatedly misused due to XXXX XXXX breach.
Product: Money transfers

I have money trhu wester union, to XXXX, when the beneficiary, when to collect the fund, the beneficiary was told that was no money at agent office. The tracking number for this event is XXXX, the beneficiary for those fund name is XXXX XXXX, Western Union need to be 100 % responsable for their associates or agent. Western Union or their agent playing with people 's money. Also those beneficiary wasting their time and mony to go those agent office, and get a statement is no money
Product: Mortgage

I called 21st Mortgage today to ask for Foreberance as I have XXXX  and so does my XXXX wife. I was told to even be considered for this inhave to have money up front even though it will help cover behind payments as well as on time payments. I have also been told a few months back that I was to pay my home payment even before a car payment or even my own wife 's meds. I'm also working with XXXX get hope and 21st mortgage said they can't wait 3 or 4 months for them to approve me and are very rude and try to strong-arm us. Today 's call I'd have to say was the most pleasant out of all my calls to them but they are very rude and go as far as telling us they don't have to let us stay in our home at anytime.
Product: Credit reporting or other personal consumer reports

I had a HELOC with XXXX XXXX, account XXXX. This loan was fully paid back at the closing of my house sale on XX/XX/XXXX. I received a statement saying I owe {$130.00}. That is incorrect. However I paid it. 

My credit reports show XXXX late payments and that the mortgage is not paid off when indeed it is. 

I would like a refund of the {$130.00} per statement XX/XX/XXXX and my credit report cleared of these XXXX late payments and that the mortgage is not paid. 

This is killing my credit score, please fix it. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went to a check cashing store and they charged me almost {$30.00} to cash my XXXX check that is worth over XXXX.. by law they 're not allowed to charge me more than {$3.00}. The company this took place at was, The Check Cashing Place, Inc Store # XXXX XXXX XXXX XXXX XXXX # XXXX in XXXX XXXX, California. The company ripped me off and I should be reimbursed {$25.00} since they overcharged me. This store is n't the only place where they charge people more than what 's required by law. Please help me resolve this issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUn

ion failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 

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 XXXXK.
Product: Mortgage

XXXX Purchased home for {$170000.00} XXXX Requested loan modification due to financial challenges Rate : 6.3750 % Term : 30 years Maturity Date : XXXX Note Amount : {$170000.00} Signed XXXX XXXX Filed XX/XX/XXXX : Deed release XXXX XXXX XXXX from deed only. XXXX XXXX agrees to be responsible financially for property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Filed XX/XX/XXXX : Quitclaim Deed filed by JP Morgan Chase and appears it was forged. Signed by XXXX XXXX, XXXX XX/XX/XXXX. Modification Effective Date of XX/XX/XXXX. 

XXXX Did not receive a new modification loan agreement after XX/XX/XXXX until XX/XX/XXXX. 
Rate : 4.5 % Maturity date : 30 years XXXX JP Morgan Chase failed to provide payment history from XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX filed a XXXX deed removing XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX. 

XXXX Chase filed a quitclaim deed removing XXXX XXXX XXXX from financial obligations. It was signed by XXXX XXXX, XXXX XXXX with a modification date of XXXX. 

XXXX Loan Modification Agreement transferring it to FHA loan ( Never Approved ) Rate : 4.625 % Term : 40 years Maturity Date : XXXX Note Amount : XXXX Increased : {$13000.00} Signed by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX not sign due to FHA and the increase in principle of {$13000.00} XXXX XXXX XXXX XXXX countersigned XX/XX/XXXX Since effective date was XX/XX/XXXX the FHA XXXX listed above is negated.
Product: Credit reporting or other personal consumer reports

Capital One sent me an offer to the balance during the COVID pandemic. I paid the balance. It was XXXX. The reported to the credit bureau a balance of XXXX. 
They also sent me a XXXX tax liability to for the amount I paid which was the XXXX for XXXX  taxes
Product: Consumer Loan

Paypal Credit. I have a regular PayPal account that is linked to a credit card. I have had it for years and have never had any problems with using it for on line purchases from various vendors. Today, however, I purchased a XXXX and a protection plan from a vendor on Ebay. I selected Paypal as my method of payment. The paypal log in screen came up as usual. I logged in, then clicked on " purchase '' and I got an order confirmation. As I recall, it did ask me to confirm my identity with my date of birth and last XXXX of social. I thought maybe that it was because I had n't ordered anything from ebay in a long time. A couple hours after placing the order, I got an email from Paypal thanking me for using Paypal credit to make this purchase and it had a name of XXXX XXXX Bank, which is not my credit card bank. I was furious that they had signed me up for credit without my knowledge or permission. I called PayPal. They told me that they had already approved the payment to the vendor so there is nothing they can do ; they offered to cancel the Paypal Credit account, but told me the payment for this purchase would still have to be made to them and then they told me they do not accept credit cards. For an on line purchase! This is a total scam. This is a way for PayPal to try to force me to give them my bank account information. They want me to link my PayPal account to my bank account, something I have repeatedly declined to do every time that they have offered. I am just flabbergasted that they are doing this without any signature from the customer. They told me that when they asked for my DOB and last XXXX of social, that was me agreeing to apply for PayPal Credit. It never said anything like that, though. It never even mentioned PayPal Credit. I am not some dumb illiterate person who does n't understand what I 'm signing up for. I have excellent credit and carry very little debt and I would never have agreed to this had there been any language at all that indicated that it was an alternate method of payment than my normal PayPal account. It just said they needed to verify my identity. I just XXXX this after it happened and saw that they have already been fined for this, yet here they are months later still doing it. They need to be put of business, ordered to cease and desist doing this immediately. This affects people 's credit reports and this is just wrong! Many people do not even have checks anymore and use credit cards and electronic banking for everything, yet PaPal Credit is illegally signing up unaware customers for credit loans that can only be paid for via a linked bank account or a personal check. You obviously need to send a much stronger message than the simple fine you slapped on them earlier. I do not know if this happened because this was a purchase on E-Bay, who was formerly affiliated with PayPal, but it seems suspicious to me that it has never happened with any other vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon conducting a thorough review of my credit file, I have discovered the presence of unauthorized inquiries that are being reported on my personal record. It is evident that Equifax, and XXXX Credit Reporting Agency have failed to comply with the regulations outlined in the Fair Credit Reporting Act, specifically 15 USC Section 1681i. They continue to report unverified information without providing the necessary legal proof required by law. These credit reporting agencies have not fulfilled their obligation to properly identify and furnish verifiable proof within the mandated time frame. I would like to emphasize that the reported inquiries are inaccurate, and I have never authorized any party to access my credit in such a manner. Despite repeated requests, the credit reporting agencies have failed to provide me with written authorization or take the necessary steps to remove these inquiries from my credit file. Therefore, it is imperative that the following inquiries be promptly removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Given the circumstances, I am highly doubtful about the accuracy of these inquiries. I expect a timely resolution to this issue, and I trust that you will take the necessary measures to ensure that my credit information is protected and accurate.
Product: Debt collection

XXXX XXXX XXXX XXXX has reported incorrect information, and these collections should have been taken care of already. I had insurance at the time and they never billed insurance. They were to remove the XXXX items three months ago, and they still appear on my credit reported, hurting my credit as they are in collections with Wakefield collections/XXXX XXXX XXXX center. Please help me to get these removed.
Product: Student loan

Ive sent out a Cease and Desist letter to Navient requesting that they discontinue any calls or other forms of communicate with Me or the people that are claimed to be linked to my alleged debt with them. I received the certified receipt back and it says that Navient received and stamped it on XX/XX/2019. Since then, I have been receiving calls from Navient ( Several times on XXXX and the days after ). I have been keeping track. Navient has NOT respected my wishes and have been calling from different numbers, sometimes back to back. I received a call as of yesterday, XX/XX/2019. Last week, I answered the call and someone from Navient told asked for my Mom. My Mom is listed as a Co-signer, but the letter asked that calls be ceased with myself AND EVERYONE ASSOCIATED WITH SAID DEBT. Navient informed me that they didnt have to stop calling because the Ombudsman told them not to. I NEVER received anything in writing stating that and that statement she made is monitored and recorded. At this point, my rights are being abused and I am still being harassed about payments. I have been making payments, but when they call, they are asking for different amounts owed. I will be seeking assistance on how to handle this matter. I told them that my Mom does not have this number and they still call. One rep told me that she will not stop calling. HARASSMENT!