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

I filed a dispute with Citibank on a purchase that was made with a travel agency. When Covid began, I asked the travel agency what my options were. The agent explained to me that if we were to cancel, we would get a credit and I explained that I did not want to do that. The next day I looked at my flight status and my booking no longer existed. I contacted XXXX XXXX, who we were to fly with, and they said that our flight had been cancelled by the travel agency. We filed a dispute with Citibank because the flights were cancelled without our permission. We sent in the emails that clearly stated that we did not want to cancel our flights and the travel agency admitted to cancelling our flights without our permission. If they had not cancelled our flights, we would have received a refund from XXXX XXXX because they had added an extra layover to our flight regardless. We had to reopen the dispute multiple times and this past time we received a letter stating that " We no longer have any available means to assist you in this matter since the time frame in which to resolve a dispute has passed. " I truly believe that if CitiBank would have read the documents and followed up with the dispute, they would have seen that what was done to us was fraudulent. We did not go on our trip. Our flight was cancelled without our permission by the travel agency. That money is rightfully ours.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Phone # XXXX To whom it may concern. 
Complain regarding Chrysler Capital. 
On XX/XX/XXXX I bought a vehicle and Chrysler Capital was my lender ( phone # XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX ). I paid XXXX dollars monthly with a 12 % interest rate and I never missed a payment even though the Corona virus at that time destroyed us financially. 
In XX/XX/XXXX I decided to switch lender for a better rate and XXXX XXXX  XXXX XXXX gave me a 6 % interest rate way better than Chrysler Capital. Therefore I and XXXX XXXX  XXXX XXXX bank requested a pay off information from Chrysler Capital. The payoff information that they sent was XXXX dollars and a check was issued to Chrysler Capital. 
In XX/XX/XXXX after I paid off the vehicle with XXXX XXXX  XXXX XXXX and I check my credit report and I saw Chrysler Capital on my credit as charge off and one year late payment of XXXX dollars when XXXX XXXX  XXXX XXXX reports on my credit paid in full. I did not understand because I was done with Chrysler Capital since XXXX. 
When I called Chrysler Capital they said XXXX XXXX  XXXX XXXX was short XXXX dollars. I told them that is a lie because they issued you a check with the exact payoff amount information and also Chrysler Capital issued me a check of XXXX dollars for overpaid. How come Chrysler Capital issued me a overpayment check of XXXX dollars and I owed them XXXX dollars. I told them why there was no notice sent to me and XXXXXXXX XXXX XXXX XXXX  regarding the XXXX dollars short. They said that they sent me letter after letter in XXXX which I never received, and XXXX XXXX  XXXX XXXX said that they did not received any notice regarding that XXXX dollars short neither. 
When I called XXXX XXXX  XXXX XXXX and they told me they issued Chrysler Capital the exact amount on the payoff information and they did not know why they report me to credit report which makes no sense to them. 
The only reason Chrysler Capital reports me is because if I want to buy a car in the future I will get denied by every bank and I would have to turn to them for a car loan with a high interest rate, cause I was good in making payment, they want me back to them. This is scam and theft. 
I write you this letter CFPB cause I can not fight those big companies by myself and I trust you that I will not be left alone. This has to be stopped, just sending a special category of people to credit report in order not to move on with their life for no reason. 
Therefore I want this letter to be publish regarding that illegal scammed using by Chrysler Capital in order for the whole world to learn by my experience with Chrysler Capital. Download below is a copy of the paid off payment check from XXXX XXXX  XXXX XXXX to Chrysler Capital. I did not have no business with Chrysler Capital and the reason they send me to credit report is for personal reasons and gain. 
I will appreciate it Guys if you can help me so they know because they are big companies and they are above the laws to do injustice.Thanks and God bless.
Product: Mortgage

On XX/XX/XXXX I contacted Wells Fargo corporate because I had an experience in a local branch where they told me that they would no longer accept loose change for mortgage payments. 

During this contact, I asked Wells Fargo that per The Coinage Act of 1965, specifically Section 31 U.S.C. 5103, entitled " Legal tender, '' which states : " United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. ; Can you please confirm that Wells Fargo complies with the US Law to accept all US coins, Federal Reserve bank notes, and national bank notes that are legal tender. Please also confirm if there is a limit to the legal tender accepted. 

The response I received is Effective XX/XX/XXXX, all self-service and behind-the-counter coin-coining machines where removed from our branches. Due to this, we are no longer to accept loose coin ; however ; we will provide coin wrappers for your use. 

This statement leads me to believe that Wells Fargo is not complying with The Coinage Act of 1965, specifically Section 31 U.S.C. 5103, entitled " Legal tender. 

Additionally, I do not consent to call recording from Wells Fargo, if they wish to resolve this issue, they shall do so via mail.
Product: Checking or savings account

On XX/XX/2023 I applied and was approved for a Chase Wepay merchant account for my business to accept credit cards. 

I provided the with all the legitimate documents needed. I also ordered the credit card processing hardware. 

I used the service a several times by sending a link for my customers to pay XX/XX/XXXX for {$1500.00} ( Down payment for painting job ) XX/XX/XXXX for {$550.00} ( Garbage disposal installation ) XX/XX/XXXX {$3900.00} ( House painting project ) XX/XX/XXXX {$80.00} ( IT device installation ) XX/XX/XXXX {$2400.00} ( Bathroom remodel partial payment ) All of these transactions we complete via a link which allows my customers to pay through chase Wepay. 

After the transaction on {$2400.00} on XX/XX/XXXX I received an email on XX/XX/XXXX stating they closed my account " Because my account is susceptible to a high chargeback or dispute rate '' This account was opened for 90 days and all the transactions where legitimate transactions for the purpose of the business intended. Also all required documents when where provided prior to them approving the merchant account. 

Also I have not had any chargebacks or issues with this " new '' account. 

There was no reason for this account to be closed.
Product: Checking or savings account

I withdraw {$1000.00} from my XXXX  account into my capital one bank account. XXXX confirms the funds were sent out instantly and i have not received them over 4 hours later into my bank account. Capital ones horrible customer service is claiming that nothing was received and to contact XXXX. I have used paypal a million times with my XXXX  account and it has always worked perfectly. The issue is 100 % on capital ones fault and they are claiming nothign they can do when I need this money right now. They are lying and doing nothing about it. This is my first time using capital one and i cant believe this company exists and they are costing me XXXXXXXX XXXX dollars in fees since I will miss my payment.
Product: Mortgage

This firm represents XXXX XXXX in his modification. In XX/XX/XXXX Wells Fargo told XXXX XXXX that if he stopped making the payment they would modify his loan. XXXX XXXX comjplied and stopped making payments and in XX/XX/XXXX was approved for a HAMP Trial Modification. XXXX XXXX timely made his 3 trial payments in the amount of {$1500.00}. Then XX/XX/XXXX he was told by Wells Fargo that he would be receiving his permanent package XX/XX/XXXX. When he did not receive his permanent modification package, XXXX XXXX contacted Wells Fargo on three separate occasions and was told that they had no record of a modification. Soon after that they proceeded with his foreclosure case at which time XXXX XXXX retained our firm. 

XXXX XXXX reapplied for a modification at least XXXX times over the next years. He was denied a modification because he did not qualify for an in-house modification and Wells Fargo would not review him for HAMP because they stated he already had a HAMP modification in the past. This is incorrect because Wells Fargo never sent him the permanent HAMP modification package in XX/XX/XXXX. 

Finally in XXXX XXXX, XXXX XXXX was able to obtain a HAMP modification. He made three trial payments in the amount of XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Wells Fargo. He accepted his permanent modification in XXXX XXXX for payments in the amount of {$1700.00}. He continued making the {$1700.00} payments for XX/XX/XXXX and XX/XX/XXXX. Approximately 2 weeks ago, XXXX XXXX received his XXXX XXXX statement informing him that the payments have been increased to {$1700.00}. Last week he received another statement stating that his XXXX XXXX payment and the next 59 payments would increase to {$2100.00}. XXXX XXXX can not afford this increase and the increase does not comply with HAMP guidelines. Please help. 

On another issue, XXXX XXXX received settlement checks from his insurance company to repair the roof. He sent the first check in excess of {$4600.00} to Wells Fargo and they told him that they would not give it back to him to fix the roof. The check was cashed by Wells Fargo. XXXX XXXX has an additional check to repair the roof in the amount of {$15000.00} but this check is also made out to XXXX XXXX and Wells Fargo. XXXX XXXX is afraid to send Wells Fargo the check as Wells Fargo has not sent him any money from the first check. XXXX XXXX needs his roof repaired desperately. We need some type of guarantee that Wells Fargo will release all the funds to XXXX XXXX in order to fix the roof. If the roof is not repaired his homeowner 's insurance will increase to over {$5000.00} per year. It will double until the roof is replaced. Please help.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

Experian made it impossible to fix my broken login to website- so that I was unable to manage my credit report. 

I attempted to login on XX/XX/XXXX, and was unable to. My username/password did not work. Attempting to reset my password with experian did not work. Experian would not allow it. And attempting to recall my username with experian did not work either. 

I called in to have agent help since website wouldn't work. I called on XX/XX/XXXX. I spoke with an agent. They indicated they could help, but needed me to answer security questions. I answered the questions. She told me I was wrong - about my history. And that because I was wrong now I had to wait 48 hours before calling in again. 

I called in again on XX/XX/XXXX. The phone number offered to send me to the website ( already tried ), offered to send me a helpful explanation over text ( not helpful ), or hang up on me. There was no way to talk to human. Calling in through other means such as disputes, or corporate number led back to same IVR hanging up on me. Now I'm filing a complaint.
Product: Credit reporting or other personal consumer reports

This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX  Inquired on XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX {$3800.00} XXXX  XXXX Balance : {$120.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXXnquired on XX/XX/year>XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXXXXXX XXXX Inquired on XX/XX/year>XXXX XXXX
Product: Mortgage

To Whom it May Concern, After spending more than six months trying to resolve the mistakes with United Wholesale Mortgage ( UWM ) on my VA loan, they refuse to correct their mistakes. My payments are not being applied to my account on the dates received by the mortgage company. Payments are taken out, then reapplied at later dates. Funds are held, misapplied to principle, then removed and incorrectly applied to the monthly payments later than when payments were received. I tried working directly with their customer service line and my records shows numerous calls over six months from payments not properly entered on my loan. I even walked a representative step by step through the payment expectations, yet another mistake was generated. The mismanagement of the escrow payments is terrifying. The mistakes are clearly showing in the payments history on my loan with the numerous corrections made monthly by UWM. 

Example : The payments made in XXXX ( XX/XX/XXXX & XX/XX/XXXX ) should have been applied to the XX/XX/XXXX payment with the excess going to principle. I dont know how to say that differently so UWM can understand? Not only did UWM not do that, it appears that they applied the additional funds towards the XXXX payment, reducing that payment amount. Every time I call they tell me it's corrected and I shouldn't worry. Yet it never gets corrected. 

I've never had a late payment or fees of anytime on this new VA Loan. I've attached the payment history record directly from UWM. You can see the constant corrections being made by UWM monthly.

I can no longer call into UWM customer support, I get a different answer every time. For my protection I have been sending in emails in order to track the records and communications. After seven months with no resolution, I feel an investigation is warranted. Any assistance is greatly appreciated. 

Sincerely, XXXX XXXX
Product: Debt collection

Since XXXX I have been disputing the alleged account with Barclay Bank of Delaware, I have made several attempts for the furnisher to provide me with evidence of which I owe this alleged debt, the method of verification providing the name, address, and telephone number of the persons that verified this debt, the original signed contract bearing my signature, I even showed evidence via my credit reports that the furnisher was reporting inaccurately to XXXX, XXXX, XXXX, with inaccurate, incomplete, blank or missing information such as account numbers, high balance, credit balance, dates open, reported, last reported, account type. 

And the furnish still reported to the consumer reporting agencies as verified and accurate. It has been more than 5 years of inaccurate reporting, which is past the statute of limitations in CA, I have also asked if they are licensed to report and collect in my state and provide me with this evidence and have still failed to do so. 

On XX/XX/XXXX I was served a lawsuit by XXXX XXXX XXXX, that were unable to provide me with viable evidence of the original contract bearing my wet ink signature, who simultaneously was attempting to collect the same debt as Barclays Bank of Delaware. I contact both XXXX XXXX XXXX and Barclays requesting evidence, and neither XXXX XXXX XXXX and Barclays failed to provide evidence. 

Barclay continued to report inaccurately without providing evidence even after XXXX XXXX XXXX stopped reporting. As of XX/XX/XXXX XXXX  and XXXX  have stopped reporting as there were unable to provide evidence from this alleged account that beared my wet ink signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraud on a account right after I set a payment to come out for my capital one credit card and I couldnt cancel the payment so when the payment came out there was no money in my account due to my bank account having fraudulent activity, so capital one closed the account. I called them and they stated that once they closed the account they could not reopen it.
Product: Debt collection

THE APARTMENT KEPT FLOODING & WAS NOT LIVEABLE. AFTER 3 FLOODS, & DAMAGED FURNITURE, I MOVED. THE APT SHOULD PAY FOR MY FURNITURE. THEY DIDN'T ABIDE BY THE CONTRACT. I DON'T OWE MONEY FOR MOVING. IT WAS AN UNSAFE ENVIRONMENT. I HAVE SUPPORTING DOCUMENTATION IN PICTURES. IF THERE WERE A PLACE TO ATTACH THEM, I WOULD. PLEASE, CONTACT ME AT YOUR EARLIEST CONVENIENCE, IN ORDER TO REMOVE THE ACCOUNT, FROM MY CREDIT REPORTS. 

THANK YOU FOR YOUR TIME
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised your credit reporting agencies; was informed they are furnishing inaccurate and incorrect information about this consumer. The reporting of such an accurate information has caused me severe damage to my character of my reputation by general mode of living in my ability to obtain credit personal and household purposes you in your in accuracies reporting have damage my livelihood. 15 US C code 1681s-2 responsibilities of the of information to consumer reporting agencies. ( B ) reporting information after notice and confirmation of errors approach and show the furniture information relating to a consumer to any consumer report the agency if ( I ) The person has been notified by the consumer at the address specified by the person for such notice the pacific information is in accurate and the information is in fact in accurate Prohibition a law or regulation forbidding something as defined by internal Revenue Clearly States a canceled or change off is considered income, Gross Income or ordinary income. The reporting of these accounts as debt is inaccurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theses accounts needs to be immediately deleted they was file
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
They should begin to rectify this heinous breach by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident, regardless of their " judgment '' of who to contact.