23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We pai d Wells Fargo {$ 350.00} on  XXXX  .17 to b e applied as follows : {$200.00} for balance transfer fees and {$140.00} as the 2 % payment of the account balanc e. Wells Fargo ref used to do that, instead allocating funds as they saw fit thus making the following months payment approximately quadruple what it should have been. It was our first payment with them.     Since that time we have been subject to stonewalling, lies, inane and anemic squitter and been cut off from addressing the e-mail chain on the subject. On  XXXX  .17 a t  XXXX    XXXX   their representative  XXXX   XXXX  attempted to paint their actions as 'per the account disclosure ' ( which is false ) while at the same time suggesting that WF had no interest or responsibility in honoring our payment allocation instructions . (   XXXX   ) Th is represents fraud by  Wells Fargo an d we wish the CFPB to use whatever putative measures at its disposal to help prevent this insidious practice from happening in the future.     We will use their account for the 0 % interest period then we will move our business elsewhere. We will also close out ou r 401K with t hem immediately.
Product: Credit reporting or other personal consumer reports

This account was charged off and reported as a profit and loss write-off ; however, it continues to be reported monthly, which is a violation of the Fair Credit Reporting Act ( FCRA ). According to XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 2 ), furnishers are required to provide accurate and complete information to the credit reporting agencies. The continued reporting of a charged-off account every month creates a false impression of ongoing delinquency I've contact each bureau directly along with requesting a XXXX-c form from the creditor. This is misleading and in violation of XXXX usc XXXX XXXX
Product: Credit card

My card was declined for dinner. I contacted citi to understand why. I was told that my security code - the code i reset 5 times to the same word when my card informatikn was last compromised- would not work. Therefore i was unable to understand why my card would not authorize a transaction.
Product: Mortgage

We were told we were closing on XX/XX/2019 at XXXX and our lender told my husband that she would contact him 24 hours before with more information. She sent my husband an email on on XX/XX/2019 that said our pre-closing documents were enclosed. We reviewed them and had questions about it because a lot of stuff wasn't marked that we thought should have been. Come to find out we were only sent the pre-closing documents for our second mortgage loan ( down payment ) and nothing on our initial mortgage loan. When we were on the phone with her the night before ( XX/XX/2019 ) we were to close, we had to beg to have anything for us to review. We were able to talk our agent into sending us a draft copy of our first loan closing disclosure at XXXX the night before we were to close. I then finally got a final closing disclosure when I went to the title office the next day at noon after asking the tittle office to print me a copy. It's my understanding that we were suppose to have the information 3 days before closing so we could review and ask questions.
Product: Debt collection

Financial Management solutions reported a debt that I owed from XXXX XXXX to credit bureau. I had no idea I was owing that amount as I moved and to my knowledge I paid all rent due. They never contacted me, my husband or the 3rd person on the lease to inform us about the debt which contacted in XXXX Financial Management Services was contacted sometimes in XXXX for an amount of {$800.00} and till XX/XX/XXXX I have not received any notification by mail, phone or email about the debt. 

After I saw the credit report, I immediately contacted them and paid off the balance. The next day I got another alert from credit monitoring that they did a hard pull on my credit without my consent or my knowledge. 

Details Summary ALERT TYPE : Inquiry ALERT SUB TYPE : new inquiry SOURCE : XXXX ALERT DATE : XX/XX/XXXX INQUIRY DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX PHONE : ( XXXX ) XXXX BUSINESS TYPE : XXXX STREET ADDRESS : XXXX XXXX XXXX CITY : XXXX STATE : MD ZIP : XXXX
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/year> i requested a western union money transfer of {$4000.00} to be sent to New York the instructions given to me by XXXX XXXX XXXX XXXX was that the Western Union had to be picked up within XXXX hours and that it would be available within two hours after XXXX XXXX XXXX XXXX sent it. 

When I went to pick up the funds the first checking place stalled me and made me wait a long time. In the meantime there are people coming into place standing around and doing no transactions just watching me. The cashier finally says that I had to comeback on Monday to pick up my money, but western union policy is that you had to pick it up in XXXX. 

This wasnt the first time this happened the XXXX XXXX stalling me while these guys come in standing around like theyre waiting to rob me. Western union stalling by asking questions that were already asked and answered during the processing of the transaction. So I called XXXX XXXX XXXX XXXX and I spoke with a representative and told her what was happening. I told her I was leaving because I wasnt safe there she ok she said shell stay on the line with me until I get to the next check cashing place. 

When I to the next one western union is stalling asking questions that was already asked again. When the XXXX XXXX representative asked to speak to the cashier, the cashier refused and during all this this guys are coming into the place standing around I told her what was going on and the cashier was saying western union was still hold up the money. The XXXX representative called in a supervisor who called called western union and they stalled her as well. At this point the representative says leave there is there another place i could go I said yes. She said leave there and shell stay on the line until i get there. 

When I got to the next place there were police on that block but when I went into the place the cashier calls western union they started stalling again and I told I had a supervisor and a representative from XXXX XXXX XXXX XXXX on the line then western union said asks me for a XXXX ID at this I had them on speakerphone once they heard them i was given my funds. Western union can set anyone up to be rob by intentionally holding up payment causing someone to wait excessively long time and have someone waiting for that person to pick up their money and XXXX or even XXXX someone.
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 XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX, # XXXX,, XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian 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: Checking or savings account

Ecommerce company called XXXX have scammed me into signing up to their free trial and are now refusing to cancel my account and are charging my account multiple times, i did not authorise any of this. I called the day it happened and they refuse to cancel and remove my personal financial details off their system and continue to charge me. I have a case with PayPal for a charge back however this is taking a long time and XXXX have once again charged my account, there's nothing I can do. They are ignoring me, they have locked me out of the account so I can not even log in to remove my details. This is criminal. I never authorised any of this and don't want their service I never did and they have automatically applied the charges with absolutely no warning or reminders. I have expressed my dissatisfaction so many times with their billing team and they always tell me " no '' we can't cancel your account, I don't want this at all.
Product: Vehicle loan or lease

I recently went to purchase a vehicle from DK auto and was told that I would pay no more than XXXX on down payment so once I got there completed application I was told XXXX down after the paperwork was printed the salesman tells me I would have to pay an additional XXXX in pick up payment which wasn't said in the beginning ok so we do paperwork after I left the lot not even a hour check engine light come on a call to inform them was told to keep driving and it should go off still didn't called and was told to come in so they can look at it I did they put a gas treatment in and told me to drive some more I did light never went out I called a week and a half straight no answer sent text nothing until the pick up payment was due that they added on i reached out to let them know that I could not make the payment that soon no answer they repo the car that I haven't even had nothing but XXXX weeks leaving me to loose my job I feel scammed this not right other consumers have reported similar issues and nothing has been done about it time to take action
Product: Debt collection

Dear National Credit Systems, you are in violation of the FCRA, And the FDCPA. You are to cease all reporting of inaccurate/invalidated accounts immediately.
Product: Checking or savings account

To whom it may concern, My name is XXXX XXXX and have recently been the vicitim of my email being compromised. One of my investment accounts with XXXX was compromised and my banking information was saved on that account, i can not get a hold of anyone there so I contacted my bank ( Bank of America ) in which this complaint is againt. I have spent the last few weeks up north working on a house where I have limited connectivity so I usually do all financial when i get back home. Upon coming back home on Sunday ( XXXX XXXX ) I noticed that almost XXXXXXXX XXXX was missing from my bank account. As soon as I saw this, I made a call to Bank of Americas dispute department where I was speaking to a representative who just sounded like they didnt care and I had to beg for her to help me file a dispute and she kept saying I have to do this manually because our system is not working. At this point, my emotions are through the roof, but upon further begging the representative claimed to have opened a claim, she then said she would email me a claim number and that i can confirm she did not do. I called again on Tuesday ( XXXX XXXX ) to check my claim number and I was told that there was no claim and a second claim was then filed for the same transactions, at this point I realized help is only employee dependant and was just pathetic. So the rep filed a second claim, after that was done I hung up. The following day i received a credit for double the amount i disputed, and on the same day i initiated a wire to purchase a car as this is the original issue i have, all my money in my account was going to a purchase of a new vehicle and again bank of americas incompetence has not only delayed the process, but the seller ended up selling the vehicle elsewhere because Bank of America cancelled my wire, closed my accounts, then closed my claims. When i called today ( XXXX XXXX ) I was told that someone called on my behalf to close these claims? I can assure you no one did or has done this. The reason i am reaching out to the CFPB is because Bank of America is not helping me whatsoever, their employees are all lost and give me different bits of false information, Im under my rights under REG E and they are not honoring them. This is a significant sum of money to me that was going towards a car that I no longer can purchase due to Bank of Americas Incompetence. I will pursue legal action if this is not corrected. Not one person has helped me and I have been a customer with Bank of America for years. The total amount that they took from me was {$29000.00}. I have no idea what is going on and dont even want to do business with this joke of a bank, I just want my funds and to terminate my relationship with this bank. I lost a vehicle, almost XXXX XXXX and my mind due to the incompetence of Bank of America, please advise on what I need to do. They are ignoring me and i just dont feel like anyone is taking me seriously or is helping me when my life savings are in jeopardy this is just unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 ) also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX  accounts # XXXX opened XX/XX/XXXX and XXXX XXXX XXXX XXXX # XXXX opened XX/XX/XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

I filed recent disputes with Experian, Equifax and Transunion and requested that all XXXX major credit bureaus Experian, Transunion and Equifax provide me the method of verification, the description of procedure and all of the documentation rendered or retrieved that proves these negative reporting 's and accounts are accurate. Based on 15 USC XXXXi ( a ) ( 6 ) ( B ) ( iii ) I am within my rights to request this information within XXXX  days or it must be removed from all of my reports. The accounts that I included in the dispute were XXXX XXXX, XXXX, XXXX Bank XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX Experian, XXXXransunion and Equifax denied to follow up with investigation and documentation of the performed investigation. I recently was notified that the CFPB has filed a lawsuit against the companies Experian and Equifax. They alleged the companies of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian and Equifax have not attempted to remove, nor correct any information. I am requesting that all derogatory remarks be removed or corrected immediately as it is affecting my chances of homeownership and creditworthiness. Experian and Equifax violates my rights as a consumer as well as federal laws. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing issue regarding the prompt removal of charge-off accounts with incorrect balances from my credit report. As a conscientious consumer, I value accuracy and transparency in my financial records, and I am deeply concerned by the discrepancies that have surfaced. 

Upon reviewing my credit report, I discovered several charge-off accounts with balances that do not accurately reflect my financial history. Despite previous attempts to address these inaccuracies, they persist, causing undue stress and frustration. 

It is imperative that these erroneous charge-off accounts be swiftly removed from my credit report to prevent any further damage to my credit score and financial standing. I urge your team to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request a thorough investigation into the root cause of these inaccuracies to prevent similar occurrences in the future. It is essential that your company 's systems and procedures are robust enough to ensure the integrity of consumers ' credit reports. 

I expect timely communication and updates regarding the progress of resolving this issue. Additionally, I seek compensation for any adverse effects these inaccuracies may have had on my credit score or financial opportunities. I am asking for your assisstance to remove these accounts in my credit file : XXXX. XXXX XXXX XXXX : {$360.00} XXXX. XXXX XXXX XXXX : {$220.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX. XXXX XXXX XXXX : {$13000.00} XXXX. XXXX XXXX XXXX XXXX : {$740.00} XXXX. XXXX XXXX XXXX : {$370.00}
Product: Mortgage

My husband, XXXX XXXX XXXX. LOAN NUMBERXXXX, XXXX XXXX XXXX XXXX  XXXX, Fla. XXXX has passed away on XX/XX/XXXX. He was 100 % military XXXX and had a VA mortgage. I was left with no back up or spouses survival money because we were only married seven months even though we were together 10 years. All of the mortgage payments were paid for his VA military XXXX benefits. The check stopped arriving immediately. All I have is my Social Security which is after {$900.00} a month. I want to try to sell the house and and be able to put it on forbearance. My name is XXXX. 
Do you think you can help me I have been trying all day on the phone and have gotten in touch with absolutely nobody.
Product: Debt collection

XXXX  XXXX {$870.00} Reporting to XXXX  and XXXX I contact XXXX and was able to remove from my credit report but XXXX and XXXX are giving me a hard time. 

Spoke to XXXX XXXX and disputing item since XX/XX/ 2020. 


My Name is XXXX XXXX
Product: Checking or savings account

Chase originally closed our credit card merchant processing account for our small business with no explanation in 2019. Since then, Chase has gradually closed every account that we have had with them for our small business. Our business checking, our savings account, our Chase Line of Credit account, Chase INK credit card was the latest one that was closed. All of our accounts were closed with minimal notice and when we ask for an explanation, any associates do not have an answer. I recently applied for a new credit card to have a new option for company expenses and was approved and received cards in the mail. I've had the cards for maybe a month and just received a letter that the account was closed. When I log in online, it still shows the account is open but I am sure it won't be long before it is officially closed. I would just like an answer as to why Chase is refusing to have me as a customer. To my knowledge, I have never done anything against their policies and would consider myself to be a great customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to notify that I am dissappointed as I saw my credit file with such an erroneous items. Through the law 605b of the FCRA, im sending this letter for you to help me establish a legal course. Kindly adhere to the law. Please remove the following items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received notification of an account being added to my credit report from XXXX XXXX XXXX with an amount of {$8100.00}. I have never used this company before in my life. I sent the attached Validation of Account that includes the proper Consumer Laws.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX ) and THD/CBNA ( XXXX ) show late payment marks, even though these accounts have already been settled and closed. Additionally, they are in violation of 15 USC, which is why, through this complaint, I want to dispute this and request their removal from my credit report.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Credit reporting or other personal consumer reports

I am writing with grave concern that fraudulent, inaccurate, and misleading entries continue to appear on my credit report despite my numerous attempts to have them corrected. The existence of these erroneous items has severely disrupted my life, causing immense stress and XXXX. I must reiterate that I am a victim of identity theft and never authorized or approved the association of this fraudulent information with my name and credit file.