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

{$250.00} a month was being withdrawn from my checking account from a tax relief company. The company ( I dont want to get the name of the company from my bank app because Im overdrawn an enormous amount of money. Its too painful and has caused my perfect payment record to plummet! Im so distressed! ) XXXX  XXXXtold me I would get a refund because they couldnt help me. The only thing that went on between me and the tax relief company were conversations. The IRS applied my return to my debt. The company failed to do what they promised/led me to believe. As a result, I called Chase Bank, stopped the automatic payments and Chase calculated the money I would be refunded and added the amount back to my account. Now, Chase has taken the money back, my account is overdrawn an enormous amount & this is causing a snowball effect plunging me into trouble! Ive contacted companies to stop automatic payments but because my account is overdrawn I cant pay them. I add money to my Chase account from another to pay my bills. I cant even afford to do that. I was getting direct deposit to my accounts from my job but I havent worked due to a coworker having XXXX! Hopefully Ill be back at work this monthXXXX XXXX-but I dont know when. Ill have to change banks and pay Chase on a weekly basis based on what I can afford when/if I can return to work. Please, give my money back. Chase can get their money back from the tax relief company that took mine. Thank you-XXXX XXXX
Product: Mortgage

case # XXXX Shellpoint Mortgage sent the power of attorney from the wrong company. It should have been XXXX XXXX not 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 1 : Dept of EducationXXXX # XXXX, Account 2 : Dept of EducationXXXX XXXX XXXX, Account 3 : Dept of EducationXXXX XXXX # XXXX, Account 4 : Dept of EducationXXXX # XXXX , Account 5 : Dept of EducationXXXX # XXXX, Account 6 : US Dept of EdXXXX # XXXX, Account 7 : State of MI Office Chi # XXXX, Account 8 : State of MI Office Chi # XXXX, Account 9 : Congress Collection XXXX XXXX, Account 10 : Congress Collection XXXX XXXX XXXX5 USC 1681 Section 602 ( A ) States I have a right to Privacy.

15 USC 1681 Section 604 ( A ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 Section ( C ) ( a ) ( 5 ) States No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information other than records of probation 's or crimes which anti-dates the report by more than 7 years.

15 USC 1681 ( S ) 2 ( a ) 1 A person may not furnish any information related to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

so i went to return an item and instead of credit back to the credit card they gave me cash instead i then went and spoke with an employee days later and they said they weren't supposed to do that and then i was upset about it and told them well i need my credit back and to keep at XXXX and i didn't have the cash bc i thought it was to my account already. they then told me call customer support and credit card support from citi bank and then i called and it sounded like it was a scam call and recently i remembered best buy was getting scammed and scammed because it happened to friends/relatives about getting scammed also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report on XX/XX/2018. Upon Review of my report, I saw that equifax is reporting a collection account listed as XXXX XXXX XXXX, account # XXXX, in the amount of XXXX that I do not owe. I sent a letter to Equifax on XX/XX/2018 stating this this is being reported in error and ask for validation of this account. I received a letter copy of my updated report and it stated that the account was verified and reported accurately. I sent another letter to them, once again disputing this account on XX/XX/2018 asking for this account to be validated and to send me written proof, a signed document, contract or the name, number date of who they spoke to so that i call myself and dispute this directly with the collection agency. I received the same response, a letter stating that the account was verified and no proof of anything. I sent another letter XX/XX/XXXX and I received the same response. No proof, just a letter that stated as verified accurate. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that theyverified that these items are being reported correctly? I have the legal under the FCRA to know who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on XXXX, experian, XXXX
Product: Debt collection

XX/XX/2020 {$15.00} from unknown source
Product: Credit card

Hi -- I have XXXX interest rates on my WELLS FARGO XXXX VISA card : ( a ) Purchases at 15.240 % ( b ) Cash Advances at 23.990 % XXXX of my purchases was applied to the Cash Advance Balance, so I am being charaged XXXX interest rates. But my payments are only being applied to the lower interest rate XXXX. According to this the new Credid Card Reform Law of 2009, " credit card companies must apply payments minus required minimum payment amount, to the highest interest rate balance on the card. '' XXXX That 's not happening. WELLS FARGO is applying payments ALL to the BALANCES with the LOWEST INTEREST RATES XXXX 

I called Wells Fargo today ( XXXX, XXXX/XXXX/15 ) for 1hr 15minutes, explained the situation over and over again. Eventually a representative said, " there was nothing they could do, this is their company policy. '' When I informed them that this was against federal law, the representative still said there was nothing to be done. 

Aside from the fact that this will cost me thousands of dollars -- this is just plain illegal. Let 's please enforce this law on Wells Fargo and protect me and other consumers like me. 

ThanksXXXX
Product: Vehicle loan or lease

I leased 3 cars from KIA and bought a forth car buying out the lease. I have previously complained to CFPB about KIA FINANCE and their predatory lending procedures. They never asked me for pay stubs to confirm my income, and had me sign several bill of sale contracts after purchase with force threatening me with police. This last car KIA XXXX with loan number XXXX with traded in. I don't why is it reporting as a charge off. After purchasing a fourth car, I can not understand how a finance company is allowed to take advantage of it's consumers. 

This charge off now is affecting my licensing and my livelihood 15 years in my career as a licensed mortgage originator. I have never missed payments before. I am attaching the letter from the state regulator for my licensing.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account : Capital XXXX : # XXXX, Account XXXX XXXX XXXX # XXXX, Account : XXXX # XXXX, Account : XXXX  # XXXX, Account : XXXX  # XXXX, Account : XXXX # XXXX, Account : XXXX  # XXXX, Account : XXXX # XXXX, Account : XXXX # XXXX, Account : XXXX # XXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX # XXXX XXXX Account : XXXX XXXX XXXX XXXX  # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX # XXXX, has repeatedly violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, i initiated a outgoing wire of {$800.00} from my XXXX XXXX account to fund my brokerage XXXX XXXX XXXX XXXX. Prior to this, i had already successfully completed a wire which was accepted within 2days. So it is completely absurd that a following wire would be halted if the first one went through with no issues. Currently, my wire is being held since its original send date with an expectancy of XX/XX/XXXX ( well over ). The supposed issue is that Wells fargo, the intermediary bank, is requesting additional details, all of which i have provided in the utmost timely matter, only to be strung in circles and given basic company runaround. The issue i believe is the name on my XXXX XXXX account WAS NOT FULLY UPDATED BY XXXX. Meaning, I stepped into a branch give info on current name ( mid XXXX ) and the branch updated one of my accounts for online banking and my statements, however for some reason?!? not my 2nd account which i had sent the wire on. My name is updated for online  banking ( XXXX website ), however my statements reflect my old name which is completely on XXXX. I did not realize this until i had been given This extreme wait for a small wire, completely unacceptable. XXXX has provided wells fargo all of the details which they have asked, however Wells fargo has taken their sweet time in reviewing this ( for possible compliance issues ) and i feel as though I am being treated like a criminal and having to wait 2+ weeks on a small wire for an issue that is completely upon XXXX/Wells Fargo.
Product: Debt collection

This company has called me on several occasions. In XXXX alone, they have called on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 

Last week when I spoke to a person, they refused to tell me what the call was about and were asking for my personal information including birthdate and part of my social security number. I have specifically asked them to stop calling me and to take me off of their list. 

Then on XX/XX/XXXX at XXXX, I received another call, and it was silent on the other end when I answered. They eventually disconnected. 

Recognizing the number, I called back in frustration. The automated recording said it was about a debt that I am unaware of. I eventually spoke to an agent and requested again that they remove me from their list. 

The repeated calls are a disruption to my day. I am a business owner and answer my phone more than most people and this is highly aggravating. 

Thank you for taking the time to receive this complaint.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX XXXX, Manager of Chase Bank at XXXX XXXX XXXX, XXXX, CA XXXX, told me My Chase savings & checking were being closed but gave me no reason ( s ). She claimed she could release my SS Direct Deposit funds on the XX/XX/XXXX, but  then denied me these funds until XX/XX/2020. She said she would try to pay an outstanding check, but simply returned checks. I have asked for explanations & I get nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion via mail and phone in the last month to dispute a charge off deposit account that is reporting on my credit file. The account is from a credit union And is reporting false payment history. I do not have a charge off account with XXXX. They have confirmed this on the phone and have provided me with a letter that I will attach to this complaint. The credit union states that they are not reporting any such account and that it should not be on my credit file. I provided Transunion with this letter and they have refused to do a proper investigation. If they would have reached out to the credit union the information that I am giving now would have been confirmed and the item would have been deleted. Transunion is negatively impacting my credit score by reporting inaccurate information. This account is being reported as a charge of and subsequent payment in XXXX and XXXX of 2022 to the credit union as well which is also false and never happened. It can be confirmed by the credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I mailed off a certified reinvestigation letter using XXXX to the consumer credit agency Equifax. I filed a CFP complaint previously and consumer credit agency Equifax responded on XX/XX/XXXX. Consumer credit agency Equifax stated that they sent the letter to creditor XXXX XXXX XXXX to verify the accuracy of the information sent. Creditor XXXX XXXX XXXX responded that the account was verified, Pursuant to FCRA the consumer agency and Creditor failed to provide steps of verification methods which is a violation of consumer rights, why did Equifax blatantly disregard my rights and allow this account by the XXXX XXXX XXXX to be reporting still on my credit report. Pursuant XXXX XXXX code XXXX states that a consumer agency must conduct a reasonable investigation to determine if the information is accurate, I did not receive the method of reinvestigation. Consumer agency Equifax failed to inform me of the reinvestigation that the law stated pursuant to XXXX U.S.code XXXX ( XXXX ) ( a ) states when a consumer should receive notification this was a violation of my rights Equifax please stop violating my right I will have no other juice but to take legal action against you Equifax and the creditor for this inaccuracy and invalidated account if this account not deleted from my credit report.
Product: Debt collection

I had a judgement against me which I paid off a few months ago. This company took my payment and refuses to give me my warrant of satisfaction. I have called and emailed them as well as had my bank call and email them and we have gotten absolutely nowhere. They claim that they dont issue the warrants, that they only collect the money and foward the info. They also refuse to tell me who they forward the info to and/or what attorneys represent them. They say that they dont know because its always changing. All I want is my warrant of satisfaction so that I can file it with the court and have it removed from my record. The debt is paid and there is no reason I shouldt get this. Ive tried for months and gotten nowhere. Please help me with this simple request.
Product: Credit card or prepaid card

I applied for a credit card with XXXX XXXX XXXX  through Upgrade , Inc. on XX/XX/2023. I got denied immediately. 

My credit score is XXXX. 

The adverse action letter ( attached ) is nonsensical. It lists 12 different reasons, all related to my credit report, and all of them either self-contradictory or factually incorrect. For instance : - One paragraph says " recent high usage of revolving accounts ''. Another says " Insufficient use of available credit ''. These can not both be true - One paragraph says " Insufficient history with personal finance accounts '' yet I have 7 years of history which is as far back as a credit report will go - One paragraph says " Low level of payments in relation to obligations '' yet I have been paying all loans in full for 7+ years The ECOA entitles us to accurate information on how an adverse underwriting decision was reached to ensure equitable treatment, and not just to a list of random keywords like the one I received.

I contacted Upgrade , Inc. today ( XX/XX/2023 ) by phone and spoke to XXXX. She said that they didn't have a " credit team '', just an algorithm, so were unable to explain what happened. She couldn't give me any internal channels to pursue this. This also seems like a violation of ECOA.
Product: Checking or savings account

on XXXX i deposited a XXXX check at chase bank XXXX XXXX XXXX XXXX XXXX XXXX which was given to me from a client from Florida who rented a XXXX and paid me with a check and this was not the first check he paid me with and have never had issues with this person. Since he is a business owner he prints his business and personal check which is pretty normal now and days. The bank held the funds and never released them and its been over 2 years now and they still have my money the check cleared there was no fraud and the money was never recalled and the client sent me a screenshot and bank statement showing the funds were taken out of his account. I have called chase countless times in the past and they told me they were going to send the money to the states lost property what the heck is this? I just want the money they owe me
Product: Mortgage

SPS Loan # XXXX My loan had been with XXXX XXXXXXXX XXXX for the past 15 years. It was recently transferred to Select Portfolio Servicing - SPS. I got the notice of the servicing release from Bank XXXX XXXX as well as the Notice of Servicing Transfer from SPS. The transfer was effective on XX/XX/2022 and I am due for the 8/1 mortgage payment. I have revied the fee schedule for making an online payment but have not been given a grace period nor an opportunity to set up automatic payments to avoid any such fee. 

I tried calling and they said that this is their standard fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted to Experian my dispute of the below account not being mine. I requested it to be investigated and no action has been taken. I have submitted two letters requesting status of investigate. My original letter was sent XXXX, XXXX 2021. With no response. 

These are not mine and i am requesting removal of these listed accounts XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received services from Lexington Law and was charged monthly fees for services that were not 100 %. I was continuously charged and did not receive services that were promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting interest that is occurring on a CLOSED account as late or missed payments. You can not miss payments on a closed account and balance increases due to interest are NOT new or missed payments. Its is severely affecting credit score. My open accounts have exceptional payment history. I have disputed these accounts and Experian says the information is accurate. My report is inaccurate and has information that does not align. Its says the account is paid and closed yet I'm missing payments on it every month. The debt is also 7 years and 2 months old. The report says paid and closed, so how can I have missed payments on a closed, paid account? Experian refuses to remove this account or to stop reporting late payments. I believe they are violating the FCRA by continuing to report these interest increases on this closed account as new missed payments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you