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

On XX/XX/XXXX, I went to Wells Fargo to deposit a check in my checking account for over {$240000.00}. The manager Had to make a call to verify The funds were there. They told me {$400.00} of the funds are available today and the other {$240.00}, XXXX plus dollars will be available on saturday, XX/XX/XXXX or the next day. My printed receipt from Wells Fargo States the exact same but the funds will be available the next day, XX/XX/XXXX. I noticed online that the funds are still not available and I called the customer service rep and spoke with the supervisor. The supervisor now changes the story and tells me that {$5000.00} will be available and then the remaining balance of {$240000.00} won't be available until XX/XX/XXXX. Meanwhile my printed deposit says the funds will be available saturday, XX/XX/XXXX. We needed to move the funds Else To earn interest And now Wells Fargo Is delaying this for themselves to earn the interest. Meanwhile, we have certain obligations with the funds and now we're held back because they lied to me at the branch and also the printed receipt shows when the funds would be available. I want to pursue and go after Wells Fargo for doing this to us.
Product: Credit card

I was trying to transfer XXXX Capital One Rewards to XXXX XXXX which has a transfer bonus promotion of 30 percent resulting in XXXX XXXXXXXX XXXX so that I can book a business class flight for two passengers ( XXXX miles plus XXXX USD for taxes and fees ; the dollar cost equivalent is about XXXX USD ). There is a problem with how Capital One and XXXX match up customers ' names. Capital One, at best, will only show a customer 's first name, middle initial and last name. However, frequent flyer memberships typically ask for the customer 's name to match their passport which is always the customer 's full name spelled out ( no initials ). Because of that, a customer 's name will never match between Capital One and XXXX. That is the problem I had which prevented me from transferring Capital One Rewards to XXXX. I tried five times ( I even called XXXX to have them modify my middle names ) and then the Capital One Rewards system eventually locked me out of XXXX. This problem is not my fault and out of my control. I am being punished for this because now I am unable to book the flight I want. It is not fair and immoral because these flight deals do not last very long and now I am going to miss out on it due to this issue. I pay XXXX USD annually to be a cardholder of Capital One. I absolutely should not be having these kinds of problems. I deserve better treatment for my loyalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Product: Money transfer, virtual currency, or money service

I am filing this complaint regarding fraudulent activity on my Zelle account, which is linked to my Bank XXXX XXXX account. On the following dates, unauthorized transactions were made without my consent : XX/XX/year> : {$200.00} Zelle payment XX/XX/year> : {$58.00} Zelle payment XX/XX/year> : {$40.00} Zelle payment XX/XX/year> : {$400.00} Zelle payment These transactions were not initiated or authorized by me, the account owner. I did not consent to any of these payments. 

No resolution has been provided, and I have not received a response from either Zelle or Bank XXXX XXXX addressing these unauthorized charges. I am requesting a thorough investigation into this matter and assistance in recovering the total amount lost due to this fraudulent activity.
Product: Mortgage

Explanation of Amount Due Principal {$1600.00} Interest {$330.00} Escrow ( Taxes and Insurance ) {$2000.00} Regular Monthly Payment {$3900.00} Fees & Charges Assessed* {$11.00} Past Due Amount** {$52000.00} Total Amount Due*** $ XXXX This is incorrect I want to get this resolve on my monthy statement to send the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX, I ATTEMPTED TO SUBMIT A DISPUTE TO XXXX, XXXX  AND XXXX  FOR THE FOLLOWING AND I WAS NOT ABLE TO. I RECEIVED MESSAGES THAT A DISPUTE WAS UNABLE TO BE PROCESSED ONLINE, HOWEVER, XXXX, XXXX  AND XXXX  ARE HOUSING INACCURATE INFORMATION ON MY CREDIT REPORT. FOR THE COLLECTIONS ACCOUNT FROM THE CREDITOR FAIR COLLECTIONS AND OUTSOURCING, THEY ORIGINALLY PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORT ON XX/XX/XXXX AND IT HAS BEEN ON MY CREDIT REPORT FOR OVER SEVEN YEARS. IT SHOULD HAVE BEEN REMOVED ON XX/XX/XXXX BUT XXXX, XXXX, AND XXXX  CONTINUE TO REPORT THIS INFORMATION ON MY CREDIT REPORT. ALSO, THE CREDITOR CONTINUES TO UPDATE THE DATE OF REPORTING IN ORDER TO KEEP THIS NEGATIVE INFORMATION ON MY CREDIT REPORT LONGER THAN SEVEN YEARS. THIS NEGATIVE INFORMATION HAS BEEN ON MY CREDIT REPORT FOR SEVEN YEARS AND DUE TO FAIR CREDIT REPORTING ACT, IT IS REQUIRED TO STAY ONLY SEVEN YEARS, THUS I AM DEMANDING AN INVESTIGATION BE DONE INTO THIS AND THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have requested for address that are not mine to be removed from my credit report and they refused to delete. 

These address are not mine : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Hello, I have a conventional XXXX XXXX backed loan that is serviced by Summit Funding. I  called them today to talk to them about mortgage relief due to Covid 19, and to go over my options. They informed me that my only option was a 3 month forbearance followed by a lump sum payment of 4 months of mortgage payments in one shot. I told the agent, who was very nice, that those rules would set me up in a bad position 3 months from now. I asked if their were any other options, he told me no. I was surprised and told him so. He actually told me that many of people have been calling in and have expressed the same concerns and that he and other agents there have gone to leadership to see if other repayment options can be offered such as a repayment plan or to put the payments to the back of the loan. He was told that the government backed loans ( XXXX and XXXX ) arent offering that and lump sums are all they can offer. 

This just doesnt sound right to me. I feel like the mortgage relief program due to a pandemic keeping our nation indoors and out of work is not normal circumstances and how can we come up with 4 months of payments 3 months from now. 

I think my loan servicer is either interpreting the program wrong or is not offering us the full program. Can you assist?
Product: Checking or savings account

Navy Federal been charging me over draft fees on the OOPs program every since I open up with them for the OPPS program. I don't know why I am being charged fees when I was told getting the OPPS program would elimate
Product: Money transfer, virtual currency, or money service

The XXXX XXXX XXXX is used by Chase, which I bank with Chase and have several checking accounts with and never disclosed the fact that any of my transactions could possibly not be protected by fraud or if money was ever sent to the wring person in error.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ EQUIFAX ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ EQUIFAX ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ EQUIFAX ]. 
Account Information : Creditor Name : XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ EQUIFAX ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by [ EQUIFAX ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ EQUIFAX ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EQUIFAX ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ EQUIFAX ] accountable for their actions. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. XXXX XXXX XXXX  account XXXX XXXX XXXX XXXXXXXX XXXX I have my XXXX XXXX  I paid them ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX account 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 stays 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. 15u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

I have applied for bankruptcy and I was discharge but the car which is XXXX XXXXXXXX with regional acceptance corporation. And I have proof to the court they the car was less than what I paid for. And the value was not what they said it was. I was asked to put XXXX down. Plus payment equal to atleats XXXX in interest and car still worth XXXX. They refused to send me the title for the car. And settle with me.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023, I have contacted Equifax multiple times about my missing credit card from their credit report. They do not acknowledge nor report my credit card from XXXX. I have contacted them over 4-5 times about this issue and they kept giving me the run-around, and it's already been XXXX months and STILL they are not reporting my credit card from XXXX. I have contacted XXXX about this twice, and each time they have told me that they have asked Equifax to report the missing credit, but Equifax refuses to do so for some strange reason. 
Both the other 2 credit bureaus, XXXX and XXXX show my credit card from XXXX. ONLY Equifax have refused to report my credit card from XXXX. I have tried calling them. I have tried mailing in forms requesting they report my credit card. Nothing. They have refused every attempt with no good reason at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I have sent several requests to Equifax to correct my date of birth on my credit report. In XX/XX/XXXX, I sent them a copy of my birth certificate to correct my date of birth on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Validation of Debt and HIPPA Authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until debt has been validated by me Additionally, reporting of this debt to the prior to allowing me to validate it is a violation of the Fair Credit Reporting Act. I have already sent 5 validation letters via mail. I have not received a response or update in regards to this matter. 
Account in dispute : XXXX XXXX XXXX
Product: Debt collection

Received a demand for payment for an unpaid citation from debt collector : XXXX XXXX XXXX XXXX. Reporting I owed for an unpaid meter in the District of Columbia for an {$55.00}. I have never been to the District of Columbia and have contacted by phone and written twice to agency to dispute and stop debt. The notice letter has a mailed date of XX/XX/XXXX stating I have unpaid expired meter dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$990.00}, XXXX  XXXX Bal. {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer of America Express for almost 15 years. 14 yrs 5months. My card was at a zero balance for well over a year. My credit score is higher now than when my card was issued. My card was  canceled with out any communication. A letter or notice was not sent or received as the rep stated and no phone call or any communication at all. My card was cancelled without notice. It makes no sense. Its ridiculous to cancel a card of a long time client who has a better credit profile now than when I became a client. Especially without notice. As a banker this does not sit well. This should be updated as closed by customer as I wanted to do over a year ago! This is the worst possible service you can provide. Thank you!
Product: Mortgage

This has been a very long stressful 7 years fighting to save my home. After fighting throughout these years in and out of court the only way I could stop the wrongful foreclosure was to file for bankruptcy. I finally had my day in court to provide proof I have made all my payments and was not delinquent on my payments and the only payments I owed were all the payments that were returned back to me by the bank. As you can see on the attachments the judge ruled in our favor. I have recently requested for a payoff, so I can leave this financial institution and I had to request twice thru my attorney and had to send a request in writing thru registered receipt and it took over two months to finally receive the request. And the payoff is incorrect! They are currently charging me for bankruptcy fees and cost, when they are the reason I had to file to begin with because they gave me no choice, it was the only way to stop the wrongful foreclosure! Also, throughout these years, even when the account was with XXXX, I have had an overage on my Escrow and this payoff does not reflect that overage. M & T Bank is holding a claims payment from the insurance to repair our roof for {$13000.00} that is not reflecting on this payoff. The statements I have been receiving is reflecting I am late on my payments again..how many more times are they going to do this and when will the harassment stop! I am current and I have all the cashed checks to provide proof if needed ( there are too many to attach, but I will provide them upon request ).
Product: Credit card or prepaid card

I financed my water softener through Aqua Finance Inc XXXX XXXX XXXX XXXX ( hereafter referred to as Aqua Finance ). For this, a credit account was opened. I received an invoice on the mail and decided to send them a check for the total balance listed on the invoice. The check I sent in was received by Aqua Finance before the listed due date, and even before the next invoice was generated. 

The following month, I received another invoice for interest that had accrued. After calling Aqua Finance to understand what happened, they explained that the amount due is only valid as of the day the invoice was printed, meaning that the listed balance is not correct even the following day. This seems to be an unfair and deceptive practice. 

I was told that the only way to pay off the account was to call in and get a payoff quote. When I asked what would happen if I never called, but continued to pay via invoices, I was told i would be paying interest indefinitely. To require someone to call to get a true and accurate payoff is unfair and deceptive, as well as potentially discriminatory to individuals with XXXX. 

When asked if they would waive this unfairly accrued interest, they refused. I have not gotten any resolution with Aqua Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my XXXX XXXX, XXXX and Experian credit report. I want the fraud alert immediately deleted and removed from my credit report. I have never resided or lived at the following addresses : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I want the addresses deleted and removed from my credit report. The following phone number dont belong to me : XXXX.