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

On XX/XX/24 at approx XXXX XXXX  I put {$1000.00} cash ( XXXX {$20.00} bills ) in the canister along with my DL & debit card at the Chase bank XXXX XXXX XXXX XXXX  XXXX There was no deposit slip but the teller assured me the deposit could be done without. I told her the account I wanted to put the money in was the XXXX tied to my debit card which I included. At XXXX the teller returned my ids along with a deposit slip for {$400.00} into the account belonging to my XXXX, which Im on as he is a XXXX, but not the one I requested or tied to my debit card.. I pushed the call button and informed her it was the wrong amount & account. They counted the drawer while I waited. At XXXX per my instruction they put {$400.00} in the correct account, but could not find my additional {$600.00} that I gave them. I called the XXXX number on the back of my debit card while waiting at the drive through who couldnt connect me to claims. 
I was given a XXXX number by the teller to file a claim. Asked if I was certain I put {$1000.00} in the canister. When I called the number, they instructed me to go into the lobby since the transaction was done through a person, through the branch. They in turn called the same number ( to my knowledge ) and were told I would have to wait until the {$400.00} cleared.Monday or Tuesday. I went home, called the XXXX Banking number & they said to go back to the branch and speak with the manager. I did, she wouldnt see me and I questioned the rep at the counter that said the Back Office has the video to review. And that the XXXX number always sends customers to the branch? I made an appt through my banking app for Monday XX/XX/XXXX with a rep at that branch but then they cancelled saying nothing could be done. A rep from the back office did call to hear my accounts of what happened Sat. Told them do not leave a message I wanted to speak to them with their findings but never heard back. The manager then called later that day saying the expedited a review and they needed the {$400.00} to post before proceeding. On XX/XX/XXXX I reached out again to the branch, the manager XXXX XXXX called and said everything thing on their end balance. She gave me a name and number for XXXX XXXX Marketing Director. The number never went through, busy. So I called the number I had spoken to XXXX on and mistakenly it was another branch. I spoke with XXXX XXXX & explained what had happened. He was going to inform XXXX that I called and could not reach XXXX. Day before the holiday, that was that. The questions, far too many to list, that each Chase employee asked at every level were insulting, demeaning and unprofessional. I have been a customer here for almost XXXX yrs but it was immediately assumed I made the mistake. I did not. This was a generous gift from a friend & his family for my upcoming birthday. My {$600.00} went somewhere after I sent it into the branch, but not into my account. All I want is what I gave to them, trusted them with, in my account. Please can someone help me get what belongs to me? I feel robbed, but worse its tainted a wonderful, thoughtful gift from friends.
Product: Credit reporting or other personal consumer reports

IMPROPER USE OF MY CREDIT REPORT XXXX XXXX XXXX IS ON MY CREDIT REPORT AUTHORIZED USER ACCOUNT NUMBER XXXX. THIS ACCOUNT WAS ADD TO WITH OUT MY CONSENT I REPEAT THIS ACCOUNT WAS ADD TO MY ACCOUNT WITH OUT MY CONSENT I REACH OUT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I TOLD THEM THIS IS HURTING MY CREDIT PLEASE REMOVE ME FROM AUTHORIZE USER ON MY REPORT ASAP MY HUSBAND AND I HAVE FILED POLICE REPORT ONTHIS ISSUE MONTHS AGO AND THEY ARE LOOKING FOR THE GUY PLEASE REMOVE OFF REPORT ASAP.
Product: Mortgage

On XX/XX/XXXX I made an online transfer monthly mortgage payment of {$2300.00} from my Wells Fargo checking account to my Wells Fargo mortgage account. Before submitting the payment, I confirmed the amount. Moments after making this online transfer, I received an email from Wells Fargo stating that my checking account had fallen to a XXXX balance, which triggered an interest-bearing credit advance from my credit card to cover recent transactions. When I made my first of several calls to Wells Fargo bank and Wells Fargo mortgage, I was told that my account fell into negative balance due to a {$4700.00} payment " I '' had made to my mortgage account today. I pulled up my mortgage account which shows the following : Balance Details Next payment due on XX/XX/XXXX Next payment details {$2300.00} Last payment received XX/XX/XXXX {$2300.00} When I called Wells Fargo mortgage, they confirmed that a duplicate payment had been made into my mortgage account. I did not make this payment, nor did approve this duplicate payment. I spent over two hours on calls with Wells Fargo bank and mortgage representatives, with both sides saying that the other initiated this duplicated payment. I was initially told that it would take approximately 2-3 business days to return the duplicate funds into my account and reverse the interest-bearing cash advance from my credit card. Then, in my most recent call with WF bank, I was told that it may take up to 10 business days to return these funds that I did not approve Wells Fargo 's moving from my account. In the meantime, I have XXXX funds in my account to cover bills due next week, and groceries I had planned to buy this weekend. I need immediate resolution of this issue ( reference number XXXX with Wells Fargo ) and a full explanation as to a ) how this happened, and b ) how Wells Fargo thinks a customer will wait up to 10 days to have their unapproved transfer of funds restored to their account.
Product: Debt collection

Viewed consumer report XX/XX/year> and seen illegal late payments on account, late payments are illegal, XXXX has no consent to report illegal information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX  XXXX  XXXX  XXXX Account : # # # # # XXXX / Balance : {$370.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***
Product: Credit reporting or other personal consumer reports

The old balances from my XXXX college were discharged through the the federal governments recent forgiveness program. The old accounts were discharged, and are still showing a derogatory status on my credit report. 

Secondly my current student loan balance is showing {$78000.00} on both my XXXX XXXX and Student Aid.Gov. 

My student loan balance in my Experian account is showing {$180000.00}. This inaccuracy is severely damaging my credit report, and has caused my credit report to drop over XXXX points. 

I am trying to buy a house, and I can not, due this error. I have repeatedly contacted both XXXX XXXX, and Experian to request them to update this, and they tell me that they are reporting every month. 

I am furious that these companies have the power to keep these errors on my report. 

Please assist me. 

XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

my fianc purchased vanilla visa gift card for XXXX $ dollars to gift to me on XXXX. we tried to use the gift card at XXXX and card was declined for XXXX $ over 6 times we tried calling the company that makes the gift cards and werent able to speak to a representative after trying for hours they just kept hanging up. then tried to wait another 24 hrs just to see if it was the activation process. after finding out that it wasnt we even tried calling the store that sold it to us to be told there was nothing that they could do. we called visa, the vanilla company, even the hq of the store that sold it to us and still got no assistance with compensation or a replacement card.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts listed on my credit report. I am a victim of a data breach, and my personal information has been used without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following accounts : Fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

please I have sent in require info haven't sheard anything from the credit and credit reporting agency
Product: Credit reporting

Experian continues to report an account ( XXXX XXXX ) which is scheduled to be deleted XX/XX/2017, I have wrote to this agency and submitted a copy of their own credit file which explicitly states as to when this account is to be deleted with no resolve. 
At this time I would like to submit the same report to CFPB, to look into my issue. 
Thank you.
Product: Credit reporting

Their is a bankruptcy reporting on my credit report that is not mine, I spoke to the bankruptcy court and they confirmed that its not mine and is not sure how this is being reported on my credit report as they did not even have my SSN in their system. They saw a smiler name but could not provide me with any information of that person and they told me to dispute it with the reporting tangency. I reached out to the credit agency and they wont remove it nor will they tell me why or how they verified that its mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX I have unverified accounts from the following companies : 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
Product: Credit reporting

I mailed in a certified letter to Experian with a received date stamp of XXXX/XXXX/16. The letter contained disputes regarding incorrect negative information on my credit report of negative/collection accounts that I would like to get deleted. According to the the Fair Credit Reporting Act, Section 611, ( a ) Reinvestigations of Disputed Information, ( 1 ) Reinvestigation Required, ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

In regards to this statement, I have not received any correspondence ( electronically or paper-based ) within the last 40 days pertaining to any information on the results of the investigation and/or any information obtaining proof that the negative accounts listed on my credit report are valid. 

Therefore, under Section 611 ( A ) ( 5 ) ( a ) ( i ) : Treatment of Inaccurate or Unverifiable Information : In general. If, after any re-investigation 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. 

To summarize, Experian received my letter of dispute on XXXX/XXXX/16 - no correspondence was obtained via electronically or paper-based within the 30-day time frame allowed to re-investigate the claim. I even gave them an extra 10 days for any mailing that may have been sent out on their behalf. Therefore, I believe these accounts should be deleted off of my credit report as Experian did not comply with the standards of the Fair Credit Reporting Act by not supplying verifiable information within the standard time allotted. 

These accounts and their information are attached via Excel Spreadsheet.
Product: Debt collection

After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. I then receiveda rougue email from resurgent regarding a supposed account and howto pay. I never gave nor authorized them to use my email. However i respondeand again disputed thisso calleddebt. They did not send the agreement or contract bearing my signature. They sent a one page state, rnt showing an adress i have never lived at. I again notified them of the areas and disputed requiring the copy or original contract oragreement bearing my signature. I also explained i was a vtivtim of identity theft ack a few years ago and need this to file a new report. They have refused to act. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
Product: Credit reporting

I disputed online XXXX items on XXXX XXXX, 2015. I received a letter in the mailon XXXX XXXX, 2015 dated XXXX XXXX, 2015 stating transunion is writing in responseto my written request on XXXX XXXX, 2015 to cancel my dispute. I NEVERWROTE ANY LETTER ON XXXX XXXX, 2015 TO CANCEL MY REQUEST! 
furthermore, there is no information online regarding my XXXX XXXX, 2015 onlinedispute. 
I demand my XXXX XXXX online dispute being verified for accuracy. transunionhas blatantly violated my rights to dispute inaccurate information byintentially neglecting to reinvestigate disputed items per fcra. Additionally, they have fabricated a lie that I requested to cancel a dispute! I NEVERREQUESTED TO CANCEL MY DISPUTE!
Product: Debt collection

I am actively working with a credit repair company ; all my debts have been and are currently being regrouped watched and monitored by that company in order to bring the debts down and to make the creditors compliant in both their communication tactics and their reporting accuracies. The company that called me at work today did not go through the proper channel or proceeding ; they sounded recognizably so, very predatory and threatening. I do not want anymore calls from them. They also should go the mailing route first or the email route before targeting phone numbers. 

Call came from XXXX Company Info : XXXX ) XXXX Northstar Location Services , LLC 16 years in business XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit card or prepaid card

I hired a flooring business called XXXX, XXXX to redo my floors. The project cost was {$14000.00}. The contract stated {$7000.00} upfront and {$7000.00} at the completion of the project. Halfway through the project XXXX due to negligence caused a flooding and used unauthorized building materials. When the management company of the building confronted them they abandoned the worksite. XXXX ran two more charges on my credit card for {$1600.00} and {$3500.00}. These charges were not authorized and a lawyer has determined that they are unlawful. Chase claims that because XXXX had my credit card number for the initial charges the subsequent charges are not unlawful. They also claim that it does not qualify as a merchant dispute as the merchant is not willing to cooperate. I had to hire another company to finish the project for {$5000.00} and XXXX caused approximately {$13000.00} in damages to the unit. The new company was called XXXX XXXX and they charged {$5000.00}. 

Chase has more than 40 pages of documentation including the contract, photographic images, invoices and estimates for damages, insurance letters etc.
Product: Credit reporting or other personal consumer reports

This company constantly reports inaccurate info on my credit report and its hurting my score, my job search and apartment. This company reports different info to each credit Union. XXXX deleted this account, because info was correct and I never was provided the documents to prove this is my account. Equifax and XXXX is still reporting this account so I want it removed. The only thing the company is saying is that its my account, I didnt receive any of the documents I asked for. Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written consent. 

15 U.S.C 1681 SECTION 602 A states I have a right to privacy XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1661 states that NO reporting agency can report a payment as late on an opened ended account for any purpose or reason. 
XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1692 C Communication with the consumer without 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 XXXX XXXX XXXX ORGINAL CREDITOR : XXXXXXXX XXXX XXXXXXXX ) ACCT # XXXX THESE ACCOUNTS ALSO DONT HAVE MATCHING INFO WITH THE OTHER BUREAUS AS WELL SUCH AS -- DATE LAST ACTIVE -- DATE LAST REPORTED -- DATE OPENED -- PAYMENT STATUS -- PAYMENT STATUS THESE ACCOUNTS MUST BE DELETED IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

Discover has a closed credit card account on my credit report. The account was not created by me. The account was opened due to identity theft. I have asked Discover to remove the account from my credit report with all 3 credit buraeus due to identity theft however Discover has not removed the account. The balance is over $ XXXX.
Product: Credit reporting or other personal consumer reports

After examining my consumer report, I discovered that unauthorized inquiries still persist. Despite my efforts in communicating with TransUnion and requesting a reinvestigation, the problem remains unresolved to this day. 

XXXX ) Unauthorized Inquiry Creditor : XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Please remove this inquiry from my credit report. 
XXXX ) Unauthorized XXXX XXXX : XXXX Date of XXXX : XX/XX/XXXX Please remove this inquiry from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

XX/XX/2022 I was paid on the Friday XXXX for my XXXX XXXX payment, which was scheduled for XX/XX/XXXX. 

Now in XXXX I do not get paid before the weekend even though the pay dates are the same. The XXXX of XXXX falls on the same day as the XXXX of XXXX. Yet, I do not have my XXXX payment. They said it will be deposited on XXXX, but online says Monday, so the representative I spoke to lied to me. 

Why can they arbitrarily pay me? There is no reason why this month should be a weekend later than last month. And the rep even mentioned Saturday??? how is the payday?? 

I have consistently filed complaints about this company charging me for overdraft fees. Now there is evidence of inconsistent payments regardless of their policy. This suggests to me that they are intentionally forcing me to charge over my amount to incur more overdraft fees. 

This is not an authority of a financial institution that I will continue to deal with. 

Their solutions have not made a dent in their policy of manipulating my finances against me. 

As of this complaint, I can not even view my statements from XXXX. They are preventing that somehow. I attached pictures reflecting the fact that nothing should be different.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied to a new apartment, and as part of their background. They pulled an address that does not belong to me. 

I recently pulled all 3 of my credit reports, and it is stating an address I never lived at.
Product: Credit reporting or other personal consumer reports

DEAR EQUIFAX I GOT UP ON MONDAY MORNING AND PULLED MY CREDIT REPORT I REALIZED I HAVE BECOME A VICTIM OF FRAUD/IDENTITY THEFT A CRIME PLEASE HELP ME TO REMOVE AND DELETE THESE FRAUDULENT ACCOUNTS FROM MY XXXX CREDIT REPORT.FIRST PROGRESS CARD IS A FRAUDULENT CREDIT CARD OPENED XX/XX/XXXX, ANOTHER LOAN XXXX XXXX XXXX  OPENED XXXX XX/XX/XXXX, ALSO ANOTHER LOAN XXXX XXXX OPNED ON XXXX XXXX XXXX, ALSO A FRAUDULENT COLLECTION XXXX XXXX XXXX OPENED ON XX/XX/XXXX, ALSO ANOTHER COLLECTION XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX HELP TO REMOVE THESE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with the Capital One Credit Card website and a payment did not go through for XX/XX/2018. I was told on a recorded call that I was ok and that it would not go on my credit report. I was in effect lied to because on other calls I was told it would but then I was told it would be taken off if I filed a formal dispute, which I've done. But my credit report still shows a missing payment for XXXX of 2018. I need it corrected immediately so I can get a new car.
Product: Credit card or prepaid card

My income tax return of XXXX went on my Bluebird Prepaid American Express account and I can not access my money online, from my card in any way or reach customer service that they don't hang up on me after sitting on hold for hours at a time.