23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have ACH debits pending for my business savings account that are posting today. When I tried to transfer funds from my business checking to my business savings, Chase would not allow me to transfer the money to cover the debits, even though I had more than enough available funds in my checking account to cover the transfer. When I called customer service, they instructed me to go into the branch and physically withdraw cash from my checking and deposit it into my savings. I had to take off of work to go to the bank and was still unable to initially withdraw the funds from my checking account in this manner. I was told that since I have Overdraft Protection, Chase 's system put a hold on the funds and would n't enable me to initiate the transfer. After nearly an hour, the customer service rep in the branch finally removed Overdraft Protection from my account and was then able to make the transfer. Chase prohibited me from transferring the funds to cover my pending ACH withdrawals on the day that debits were posting and had I not gone into the bank, I would have been hit with a series of Overdraft Protection Fees through no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment showing on my credit report that doesn't below to me. XXXX XXXX  authorized User account XXXX. This is a closed account that I am not financially responsible for please remove the negative item immediately. 
My name is XXXX XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!
Product: Debt collection

My wife and I were going through financial hardship. We spoke with a manager explaining our unique situation and made a payment on both my wife 's credit cards with capital one.

Capital one accepted the payments, we setup a card in which I get automatic deposit from state of Oklahoma because I have a XXXX XXXXXXXX XXXX and receive SSI. My wife was XXXX at the time and in fact has been XXXX for the past two years. The amount we could pay on both cards was {$25.00} per card. I gave the account manager the information to make monthly payments on each card. 6 months goes by without a phone call and we received one stating we are nearing 6 months behind. I called and spoke with customer service and stated what I have mentioned above and that they need to check their records and listen to the pre-recorded conversation my wife and I had with Capital One. The customer service agent said they would review the recordings and get back with us. I never got a call back and had to call them. They said they don't keep recordings for that long. We made an attempt to pay at least something towards this debt. Capital one communication failed to even call us back. In fact the amount we paid before was suppose to divided between the two cards and they put it on only the card with the greater debt. Now they have hired counsel and want to take my wife to court. My wife had added me to the debt. I also have been in communication with the nation debt consolidation and relief. Please help us as I do believe we have been treated unfairly. We also have not received any communication since the incident by mail from capital one. Nor have we received any attempts to collect on debt. Just a service by process on my wife. They served her and I accepted service even though they didn't serve her by her correct legal name. 
I do believe I have more documentation on this as well. 

Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX I discovered that there was a TJMax card taken out in my name in XXXX of XXXX. The charges were XXXX on XX/XX/XXXX. I called the company and closed the card and I reported to the 3 credit bureaus. There is currently an investigation going on. However, the company allowed the person who committed fraud to make a payment to be made. 

The payment came out of my fathers checking account. This company has not helped with this situation and hasn't locked the account so that no further payments will be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent investigation and dispute letters on the following dates : XX/XX/2021 XX/XX/2021 and XX/XX/2021. 

Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! 

I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. 

The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Transunion and XXXX to update my credit profile with accurate information regarding personal information. I have yet to see the changes i requested and as a consumer i have lost hope in these companies because they are not abiding by my rights. Its to my knowledge i have the right to accurate credit reporting
Product: Debt collection

Hunter Warfield has broken several Fair Debt Collection Practices Act laws. First, they never sent me notification of the debt. I did n't even receive any notices giving me 30 days to respond. They said they did but I never did receive anything. If they did send anything, it needs to be documented via certified receipt.
I filed an identity theft report and also sent them the information because I do not know where this debt came from, and it is indeed identity theft. I sent them the identity theft affidavit, and they failed to acknowledge it as well.
I also asked for verification, and I did not receive anything. I have attached everything that was sent to them certified. Another law they broke was verifying this proof with the credit bureaus after I have requested verification of the debt and filed identity theft. During that time frame, they still verified this debt. CC : XXXX XXXX XXXX XXXX XXXX XXXX Attorney, BBB, FTC
Product: Money transfer, virtual currency, or money service

Account info @ XXXX XXXX XXXX XXXX XXXX My balance of {$4400.00} has been sitting on my account since XX/XX/2024. 
I have attempted to get a refund and close the account. Venmo has been unable to transfer it to my debit card or previously on file checking account. 

Therefore I requested a check refund in the amount of {$4400.00} to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Once the refund is made I requested the account to be closed. 

This still has not been done even though their supervisor has been promised it would.
Product: Mortgage

i last sent and recommend the owner of the loan to adjust the interest payed on my mortgage, which none of my payment was sent to my mortgage principal to bring down my principal. i have a right to have all options to pay off my mortgage. according to the federal trade commission. the owner of loan states they have no authority over the adjustment of my mortgage loan. i want to know if shellpoint has the authority to adjust my principal from XXXX  to XXXX none of my payments are going toward principal all those years.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX EDFINANCIAL XXXX EDFINANCIAL XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I made an electronic payment from XXXX XXXX XXXX XXXX to Barclay 's Bank in the amount of {$4500.00}. The reason for the error was Barclay 's had been my credit card company for over a decade but had recently sold my account to XXXX Bank. Two days later when the payment wasn't posted to I realized the mistake. I immediately contacted XXXX 's who assured me the errant payment would be forwarded to the trialing institution ; XXXX. It never was. Despite being provided a proof of payment from XXXX XXXX XXXX and being contacted by XXXX that the payment wasn't received, Barclay 's refuses to do anything. Barclay 's has stalled every chance they could. Not receiving faxes of proof of payment, emails that must be in spam folders, refusing to provide a receipt that they sent it forward to XXXX. They have closed numerous cases related to this issue without any resolution, causing me to have to start new investigations many times. I have spent hours on the phone each week, even had XXXX do an investigation from their end. They reported never receiving any money from Barclays, and tried to reach Barclay 's to speak with them but never having their call returned from XXXX XXXX, 2022. I have had XXXX XXXX XXXX  start an investigation as well with XXXX XXXX. This involved weekly calls to Barclays, where often the representative had little knowledge of the case or could not do anything to find a resolution. This case ended when XXXX called for the weekly meeting ( which usually lasted 2-3 hours ) but I was at work teaching and could not take the call. I called a few hours later and was told the case was closed because I had not answered the call. Barclays has had my money since XX/XX/XXXX. I have spent hundreds of hours trying to get them to return my money or provide any proof that they sent it to XXXX or to myself. They have done neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter.
Product: Checking or savings account

A few months ago, I received a mailer with a personal code to open a checking acct. The offer was get {$300.00} with a total of $ XXXX in Direct Deposits over the following 90 days. 

I followed the steps, opening the account with the personal code. A few weeks after account opening, I believe I made met the qualifying terms. On XX/XX/XXXX, I called BofA customer service to confirm this. A rep named XXXX did state that I had met the terms so I thought nothing of it. 

A few weeks later, I receive a letter from BofA essentially reminding me to make direct deposits so that I can earn my sign up bonus. I was confused so I called back on XX/XX/XXXX to double check. The representative that picked up was XXXX and she stated that I did not meet the requirements. I believe she wrote an escalation form. I also was forwarded to XXXX who explained that I will just have to check in a few weeks on the decision from the escalation form as BofA is not allowed to call me to provide updates. 

On XX/XX/XXXX, I called to as for updates. A representative named XXXX answered. She could not locate the escalation form and couldn't provide any updates. However, she confirmed that there was nothing to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX XXXX Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

XX/XX/XXXX at XXXX the agents at key bank refused to deposit my remittance deposit into my account because they were unfamiliar with the bills of exchange act. They told me I basically had no rights to my own credits and wouldnt attempt to deposit my bill.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was expecting a credit report as apart of my service with StellarFi ( their Permium Plan ) and did not receive it. I also noticed that StellarFi had not reported my credit building credit line to XXXX since XX/XX/XXXX. I have been a customer since XX/XX/XXXX. On XX/XX/XXXX I contacted StellarFi customer service and asked them why they were not providing a credit report for the month of XXXX, and why haven't they reported my line of credit since XX/XX/XXXX, a 6 month delay in credit building. XXXX confirmed that the company will not be able to resume services as agreed until approximately XX/XX/XXXX. I asked them why they didn't notify there customers that they were not going to be able to meet the terms of agreement and got no answer. I asked for a credit for those months and was refused. Unfortunately many consumers believe that there service has been reporting a credit limit in order to rebuild there credit as advertised to 2 bureaus and the company is scaming them. Please do an investigation and help notify there customer of StellarFi 's breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 my transunion my XXXX  my XXXX  reporting wrong an inaccurate info and unverified info that's not my. name, address, number, and unverified account information
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a new XXXX truck around XXXX of XXXX. Truck was totaled in auto accident XXXX of XXXX. XXXX XXXX received money from insurance company and released vehicle. A small balance was left but no statement was sent to inform me of the balance. 90 days passed before I was made aware and XXXX XXXX had flagged my acct as 90 days past due. I immediately paid the balance in full. I have disputed this numerous times and spent countless hours on phone with XXXX explaining the issue to no avail. The acct also continued to show {$0.00} past due after balance was paid in full. Please have the XXXX accounts removed from my credit reports.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I asked the company to delete the negative items from my credit report.
Product: Credit card or prepaid card

I suffered a total loss on my primary residence due to XXXX XXXX. As a result, I spent all of my savings, took out retirement, and maxed out my credit cards because my insurance company went bankrupt. The banks are refusing to give me a forbearance or any sort of deferment and have reported to the agencies that I do not pay my bills. They have charged off my debt and have significantly destroyed my credit. They are unwilling to work with me. This is not my fault. I have always paid my bills on time and now have to file bankruptcy as a result of a hurricane and the lack of regulation of insurance companies in the state of Florida. I am paying a mortgage on a home that is condemned in addition to a mortgage on a rental property and rent for myself if I can afford it.I have been living in hotels. I have been living in a car XXXX I have a salary of {$11000.00} a year and I'm currently homeless because I make too much money to benefit from federal or state programs. My house is condemned and unsafe and I have been unable to see my child since XXXX. I do not need additional financial hardship as a result of an act of XXXX and the lack of regulation by the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2019 I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Specialized loan servicing purchased out loan while we were in forbearance and applying for help with XXXX XXXX. During COVID I lost my job and my husband took a XXXX reduction per month in pay while working more hours. Both my husband and I work in the hospitality business. When I called XXXX XXXX they said they could not help us as they sold the loan to make room for new loans coming in. They said that is a normal practice. When I called specialized loan servicing they said they do not offer the same help as XXXX  XXXX and I need to go through the court process. The court assigned a housing helper named XXXX. I met with her and she told me that she can't help us. Shortly after that my mom XXXX XXXX and my husband was XXXX XXXX XXXX. We were served papers our house was foreclosing on XX/XX/2023. After that we heard absolutely nothing. Yesterday I had XXXX gentleman come up to my door saying Friday our house is up for sheriff sale and we owe XXXX. First of all we do not owe that. We didn't even pay that for it. I have proof we XXXX even if you tack on legal fees there is no way. Second we were given no notice of a sheriff sale on XX/XX/2023. We were never offered help through any COVID relief which we were definitely affected by. Also we were finishing up paperwork with XXXX XXXX and then to have to restart with specialized loan servicing is not right. These XXXX mortgage companies clearly did illegal practices and took advantage of a family who was truly impacted by the XXXX down of COVID
Product: Bank account or service

I have called Paypal no lie over 30 times and have been placed on hold anywhere from 20 mins to 3 hours at a time with no check backs. I opened a dispute or XXXX the wrong way. I have since resolved all issues with the individual companies from XXXX. There should be no disputes currently opened with paypal. I have called ever since and they laugh at me, do not treat me like a person for complaining against them. It is now hurting my credit and I ca n't use paypal. I just called again today, please pull the call records, I have them from XXXX. I am calling from XXXX to all numbers I have to paypal, repeatedly they refuse to service my account fairly. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report inaccurate, unvalidated information to my credit file. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

1st most important, I paid off all creditors, copies were mailed to them and/or annual creditreport.com Now Experian has some sloppy cryptic blunders obviously illegal unacceptable, I called them 4 times today put on asinine holds, then some derelict pretends to be there dispute specialist puts me on hold with there robot to start over and/or aggravate me!!! Real incompetence, childish ineptitude!!! XXXX XXXX does NOT show that I paid them off!!!! Even worse more illegal is some derelict collection agency called XXXX made a illegal inquiry in my file, I was NOT informed what there excuse and/or real purpose other than to obviously harass me, conniving blunder to blemish my file!!! I don't care who these scumbags pretend to be, this is a 4 year old slumlord issue, I paid off some inapt collection agency hired by this slumlord, calling themselves XXXX XXXX from XXXX, CA. WHO exactly are these derelicts called XXXX? What exactly are these clowns doing in my file? Duplicated idiocy and harassment, illegal use abuse of my credit file?! # 2nd XXXX blunder is XXXX XXXX, I bought my truck with cashiers check paid in full, obviously they did NOT have my permission to make any clumsy inquiry, PLUS, I told them more than once to stay out of my file, NO real purpose, or excuse since I paid in full, now I have this cryptic clumsy inquiry, until XX/XX/2021, unacceptable, illegal, Even more idiotic is they got my wifes name in my account, unacceptable also, this is MY account not hers??? Then there is some sloppy blunder calling my land ladys house a transportation business, idiotic inaccurate also, my landlady/owner is a widow [ old ] cant drive anything?! #
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Account # XXXX Late Payment 30 Days XX/XX/2020 Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

Portfolio Recovery is reporting I owe a debt ; I never authorized this company to have my personal or private information. The CRA has allowed this information on my credit report and it is damaging my reputation ( credit profile ). My federally protected consumer rights have been violated and this has caused major stress to myself and my family. Because this information is being reported it has harmed me financially and denies me access to homes and funding for my business.
Product: Credit reporting or other personal consumer reports

Please delete this account I sent my letter a month a ago untill now I never recieved any response. Please verified it now Please XXXX XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX