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

Chase bankOn XX/XX/2024 I received my insurance check back from lender after signing it and took it to my Chase bank local branch and deposited into my account. When the funds finally got to hit, they froze my account saying for us they needed to verify it from the insurance company then after they verify it, they wanted to verify it from the third-party that signed the check so I gave them the number and they said they couldnt verify the number because its not registered in his name so on XX/XX/XXXX, the third-party went and opened a business account that will help us get the money thats owed us but they said they still cant verify the number and if I dont verify the person they are going to close my account and less than 10 days and hold the check for XXXX years. Ive asked him if me and him both could go to the bank in person with IDs to verify identity and get our money they told us no I asked them to re-issued the check to the insurance company. They told me get my money.
Product: Checking or savings account

My name is XXXX XXXX and i am a laid off roofer of 26 years and due to the weather in the NE i have had no work. I am about to be homeless and my bills are not paid. I need immediate relief. US bank has my unemployment monies from the last 2 months and my family and i need thus money to survive. On or around XX/XX/XXXX I had changed my home address and my debit card from US Bank was frozen. i have made several attempts including reaching out to my PA state representative XXXX XXXX since the deposits are from PA unemployment and have gotten nowhere. The fact that there are no US bank offices in PA, NJ, NY, Delaware the surrounding states made it impossible to actual go there and straighten this out. On XX/XX/XXXX I finally got through to someone and sent them a picture of my ID and mug shot as requested. I was told it would take 2 days. I am besides myself I have not be able to access my money to support my family nor buy food. After 4 hours today on XXXX i was told that the information i had sent them was blurred and not acceptable. They did not try to reach out to tell me that the information was not legible. i received that information from 2 very non caring individuals one of which was a supervisor named XXXX ( she would not give me her last name ). She had no compassion for my issue and the only relief she offered was to resend the information and wait,. You will notice that US bank 's website does not offer any phone number to speak to anyone therefore the only number i had was the number on the card in which i have spent countless hours waiting to speak to someone only to get disconnected The people at US bank should be held accountable for their actions as they simply do not care if my family eats and she refused to escalate the matter. I am tired of the run around i need my unemployment monies now. Please help
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this account violated my rights to privacy. 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under and open ended consumer credit plan as late for any purpose.
Product: Checking or savings account

The whole Wells Fargo system is down and there is no way to get money out of my account. Debit cards are being declined, tellers cant access the system. There is literally no way for me to get access to the funds in my bank account. This is the first time in my life that this has happened and now I am going to have to keep an emergency fee outside my bank. Very scary.
Product: Credit reporting or other personal consumer reports

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX ( XXXX XXXX  XXXX ) and also reached out to Equifax about my concerns about the following account which is XXXX XXXX ( XXXX XXXX  XXXX ) account XXXX agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 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, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Product: Debt collection

received a call from a debt collector by the name of XXXX XXXX, from The company Tek Collect on XXXX @ XXXX XXXX. I requested for the debt collector to cease all future phone calls & to communicate with me strictly via postal mail. After i disconnected the call, the same debt collector XXXX XXXX called me back and questioned why I hung up on h and continued to harass me about the debt and called me a debtor in attempt to belittle me. The hanging up and calling back happened 2-3 more times before I decided to block the number to cease the harassing calls.
Product: Student loan

Navient does not offer realistic repayment plans and puts consumers in a bad position. They fail to tell customers that interest continues to accrue in Forbearance unless you ask. They ONLY look at your yearly income and do not take into account any expenses at all that affect ability to pay, in my case, medical bills and being out of work for months at the end of last year, which put us behind on everything. Also, the fact that I'm self employed is impossible to convey to them. There are no options for a person working less than XXXX a week on three unemployment option because they require you to be registered with an unemployment agency and continuously applying for jobs. That is unrealistic for the self employed or for low wage workers, like XXXX 's, gas station, etc. where hours fluctuate or are often not full time, but are close. They do not take anything into account that makes sense, and sets borrowers up for failure. They should have options that take expenses into account in the real world. 
They need realistic options for borrowers. Just because I am not on government assistance like food stamps, doesn't mean I'm fine. Just because my husband and I have a combined income of XXXX  amount, does not mean I can pay {$250.00} a month IF they took into account actual expenses and bills, which they did not and which they absolutely refused to do. They should be required to.
Product: Debt collection

XXXX XXXX, a debt collector keeps calling me multiple times a day every single day, when I block a number they call me from they call me from a different number. This has been going on for YEARS now. The debt started with capitol one, which I DID NOT take those credit cards out, my ex boyfriend did and ran them up {$4000.00} on each card. I contacted capitol one and explained it was fraud and they told me that there is nothing they can do I'm responsible for paying it, long story short they cut the debt in half, I paid around 55 % of the debt and I told them I am NOT paying anymore because I should of had to give them a cent in the first place. Now XXXX XXXX will NOT stop harassing me! Something needs to be done or I will take legal action. Please help me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, I was looking into my personal credit report and noticed that there was some incomplete, and inaccurate information on my report. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to 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 before the end of the 30 day period beginning on the date you received this notice. As well as Whenever a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S.C. 1681 Section ( I ) ( 7 ). This account XXXX XXXX, XXXX XXXX, is not complete and is not accurate. 

XXXX XXXX, XXXX XXXX open date is not reporting correctly, date of last active, date of last payment, this account is not accurate or complete. 

I mailed out a letter for verification on XXXX XXXX2024. Asking all Credit Bureaus to reinvestigate this account.

I got the investigation back ( Experian Report Number XXXX ) but noticed nothing modified or updated. According to 15 USC 1681 ( I ) ( 5 ).
Product: Checking or savings account

A lost check was cashed by the payee one year after the date of issue because his bank ignored the issue date. My bank withdrew the funds from my account. I had placed a stop payment on the check when the payee informed me that he had lost it two months after I wrote it. My bank refused to do anything because stop payments are only valid for 6 months. Thus the payee was paid twice.

Stop payments should be permanent. Obviously a lost or stolen check can be cashed after 6 months if a bank chooses to do so, which makes the payor liable for double the amount of the check. Thus there is no real protection with a stop payment and no real protection for a lost or stolen check. The UCC code should be changed.
Product: Debt collection

XX/XX/year> XXXX EST I have received several calls from Allied Consulting Services , always a robot call, this time and last couple times I opted to accept the call to try to stop the calls, after answering it hangs up. Today I called them back at XXXX, a man answered and would not provide his name, when I told him that I had no idea what the debt was and asked them to stop calling me he became aggressive and told me " XXXX '' that I didn't know what the debt was, and that its fine they will stop calling me but they will call my employer ( which I own my business so not a big deal ), but also that they would continue to call my family and friends and there isn't anything I could do to stop him from doing it, and then proceeded to name of a list of people that I am related to. One of which was my wife and she has calls from them on her phone now as well, as well as my parents, it was also brought to my attention that more information than legally allowed has been disclosed. After I informed him that I would be seeking an attorney to hold them accountable via the FDCPA he laughed at me and stated " you can't even afford to pay your debts, you won't be able to afford an attorney to do this '', he was sorely mistaken. Now it is my intent to request they be penalized to the maximum extent allowed under the FDCPA.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following accounts are fraudulent : XXXX XXXX- {$510.00} XXXX/XXXX- {$210.00} XXXX- {$780.00} XXXX  XXXX- {$240.00} XXXX- {$210.00} XXXX XXXX- {$4900.00} XXXX- {$4300.00} XXXX- {$210.00}
Product: Credit card

I believe this incident is part of an organized scam targeting tourists, as supported by multiple online reviews of the shop. I am requesting a chargeback as the product was misrepresented, and the merchant engaged in deceptive practices. 

On XX/XX/year>, I made a purchase at a store called " XXXX XXXX '' in XXXX XXXX XXXX, XXXX, for {$110.00}. The merchant misrepresented the product as authentic tequila, which was the basis of my purchase decision. After returning home, I discovered the product was not tequila, as it failed to meet the legal requirements for alcohol content to be classified as such. XXXX law mandates a minimum of 40 % alcohol for a product to be labeled tequila, but the product I received was only 39.5 %. 

When we returned to the store on XX/XX/year>, to address the issue, the staff refused to acknowledge the purchase, threatened us, and refused to honor the money-back guarantee that had been promised. Due to safety concerns in the area, we felt it was unsafe to pursue the matter further. We also filed a complaint with XXXX, XXXX 's consumer protection agency, but have not yet received a response. 

Steps Taken : Contacted the merchant directly on XX/XX/year>, but was threatened and refused a refund. 
Filed a formal complaint with XXXX, which remains unresolved. 
Submitted a chargeback request with my bank, Chase and they are saying I don't have " rights '' to dispute an in-person transactions which is a lie. XXXX grants me that right.
Product: Debt collection

XXXXARGON is indicated I opened a loan with them ; however, I have never opened an account with that company. They have not helped me verify the loan, and they continue to report it to XXXX. Additionally, they indicate the loan was opened in XXXX 2015 ; however, the loan is now indicated as late 31-60 days and it started to appear as of XXXX XXXX, 2015. This is how I found out about this loan and subsequently contact XXXXARGON. To-date, they have refused any form of help to resolve this fraudulent account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$480.00} and {$79.00}, Date : XXXX XXXX and XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$280.00}, Date : XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$680.00}, Date : XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX. XXXX and XXXX, Amount : {$100.00}, Date : 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 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Today, I explained to the debt collector that this was a fraudulent account setup using stolen personal info. I also explained that at the time this account was opened XXXX XXXX XXXX, I had been working in the XXXX for three years. I did not find out about this account until XX/XX/XXXX, through contact from a debt collector claiming to have bought the account in question.
Product: Credit reporting or other personal consumer reports

I am submitting this to formally dispute and request the removal of unauthorized inquiries currently appearing on my credit report. I did not authorize the inquiries listed below and provide these details for your comprehensive investigation. The unauthorized inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I confirm that I have not applied for any credit or services with the entities mentioned above. The presence of these inquiries on my credit report constitutes a violation of my privacy rights and could negatively affect my credit score.
Product: Checking or savings account

I made a check deposit of {$1000.00} at Wells Fargo bank using online check deposit. The bank sent me a notice saying a hold was placed on the deposit because my endorsement didnt match. I called the bank and the rep told me it clearly matched but there was nothing she could do. The funds will not be released until XX/XX/31. This is unacceptable to me
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX my ex-wife and I got a divorce after 21 years of marriage and she was awarded the homestead purchased in XXXX which she intends to keep and continue to raise our XXXX children in. The mortgage of the property however remains solely in my name and credit. In 2017 I quitclaimed the house deed over to her and now she is solely on title. Wells Fargo refuses to help her assume this loan claiming that the loan is unassumable even though they had already sent her forms to begin the assumption process. 

In addition, Keep Your Home California ( KYHC ) has accepted her as a client and offered to assist her in catching up on the mortgage and assuming the loan if Wells Fargo would acknowledge her connection to the loan since their program only benefits their clients of which I am not. I have long moved out of the property and she had been making payments until the loan interest rate reset in XX/XX/XXXX and the payments increased from {$3200.00} a month to {$5300.00} a month, which is unsustainable in its present form. It is strange that after over seven months of speaking with more than 10 people in different Wells Fargo departments, they are not offering a way to refinance/assume this loan. We have explained several times to Wells Fargo that by acknowledging her connection to the loan, KYHC would assist her in paying the past due amounts and assuming the loan, but they have not done any thing and have been calling with extensions on their internal investigation while the clock has been running and my credit has continued to show more late on the outstanding payment. 

Please your assistance is needed to help resolve the long standing matter. Thank you. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report to this day over 43 and 37days later I have not received a response as of yet. I am being put at a disadvantage and being ignored as far as my disputes are concerned. Section 611 ( a ) state that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 43 and 37 days so the items in question should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress of this whole situation. My information was also effected by the Equifax Data Breach and I have no idea who may gotten a hold of my information. Please help by resolving this matter promptly. Thank you in advance.
Product: Credit card or prepaid card

I am an authorized user on this Home Depot card ; however, this account is only reflected on my XXXX report. I have contacted Home Depot and the credit bureaus regarding the reporting of my account. When I last retrieved my credit report, I noticed that this account had been removed from my XXXX and XXXX  reports and only remained on my XXXX  ; however, XXXX had not  updated my payment history since XX/XX/2018. I reached out to Home Depot and they stated that the bureaus were at fault for not reporting my current, up-to-date payment history. To that end, I contacted each credit bureau and they stated that the issue was with Home Depot. I would like for my payment history on this card to be added to my XXXX and XXXX reports as it once was but also updated on all 3 bureaus so that it reflects current and ok payments to date.
Product: Debt collection

I have been trying to get a collection removed from my credit reports because there was identity theft on this card. The original creditor, XXXX XXXX did not timely contact me that there were three large purchases made on my card at three different XXXXXXXX XXXX in three different cities in Florida, none within a large radius of my home. Then they suddenly closed the account and sent it to collections. XXXX XXXX was combative when I tried to obtain the statements the purchases were made. 
Now I am dealing with PYOD, LLC who owns this debt. In XX/XX/2020 they were supposed to send me a form to fill out pertaining to the identity theft. They never did so I contacted them two weeks ago and they said they would send a form but I still have not received it. I feel theyre stalling and keeping my credit score hostage, I cant fight this fraudulent activity if they dont work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX and TransUnion multiple times about a false account appearing on my credit report. Attached proof of letter sent along with pictures of certified mail, return requested proof.
Product: Vehicle loan or lease

Auto purchased using Capital One Auto Navigator with required use of their particular dealerships. Purchase completed XX/XX/2019 with XXXX at address XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Sales tax, title & licensing fees financed into purchase for a total of {$1700.00} and were paid to the dealership. After more than 60 days and the temporary tags have expired, I am unable to get a response from the Capital One required dealership, XXXX, and Capital One is claiming there is nothing they can do because the title has not been issued. However, I am still required to make the payments for an automobile I can not legally drive due to expired temporary tags and no permanent tags that have been prepaid for.