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

I encountered problems with accessibility to my funds in my Wells Fargo Bank, after I made mobile deposits. 

Here are the details in chronological order. : 1 ) Monday XX/XX/XXXX, I transferred funds from my IRA at XXXX XXXX Bank, to my checking account at XXXX XXXX bank, in the amount of {$5000.00}. 
I have documentation to prove this. 
2 ) After doing so, I wrote a check for mobile deposit to my Wells Fargo Bank Account. It is dated XX/XX/22 on the check, and posted XX/XX/22 on the online banking app. When I was in the process of making the mobile deposit, the Wells Fargo website stated that part of the funds would be available, the next day. 
3 ) When the funds were not visible in my account, I contacted Wells Fargo, and they stated the check was being held for " verification and processing '' due to insufficient funds. They never explained what this meant. I told them funds were available, and that my XXXX XXXX Bank shows that the money has been withdrawn, therefore it must be in Wells Fargo custody. 
4 ) They told me that my funds would be available in one week, after " verification and processing ''. Not even part of the deposit would be available before that- in direct contradiction of what is quoted in the mobile deposit process. 
5 ) Today is XX/XX/22, XXXX days after all of this transpired, and my {$2000.00} is STILL not available. I was told it would not be available until XX/XX/22, which is in fact 9 days after the deposit posted in my account. 

I am on a limited income, due to retirement. I have bills to pay. Groceries to buy. I can not afford to have money sitting in Wells Fargo for over a week, growing interest for them, while I am waiting to be able to use MY money, that shows up daily in my daily balance, but that I am not able to access. 
This is an unethical business practice, and as I said, it conflicts with the information given during the mobile deposit process.
Product: Checking or savings account

I am writing to file a complaint against Citibank for failing to return the remaining balance of my accounts after closing them on or around XX/XX/year>. My checking account had a balance of {$310.00}, and my savings account had a balance of {$170.00}. 

The account closures were a result of fraudulent transactions, and despite following the proper procedures to report the fraud, Citibank closed my accounts and has yet to return the remaining funds. This situation has severely impacted my ability to support my family and pay bills. 

Furthermore, there is a binding arbitration agreement associated with my accounts that Citibank ignored in their decision to close the accounts without proper resolution. 

I request your assistance in resolving this matter and ensuring that Citibank returns my funds promptly.
Product: Credit reporting or other personal consumer reports

They was a credit breach with XXXX. I CHECK WITH THEIR WEBSITE AND I AM AFFECTED. I would like these accounts removed immediately from my credit report for inaccurate reporting.
Product: Vehicle loan or lease

Santanders auto loan division has placed my husband and me in a more financially crippling situation than we were in before contacting them for assistance. In early XXXX, I contacted Santander to set up a payment arrangement for the payments that were missed due to loss of income. The first representative I spoke with informed me that I was able to defer the missed payments altogether, and they would be added to the end of the loan. She then stated that the next payment would not be due until XX/XX/XXXX. This would give my husband and me time to catch up on our monthly auto payments and bring our account to a positive standing. 

Since the account with Santander is under my husbands name, I had to call back with him on the line to accept the payment plan. Consequently, I called back a few days later with my husband on the phone so that he could approve this arrangement. Upon calling Santander again, we spoke with different representative, however, she outlined the SAME terms that the previous representative explained to me. For this arrangement to take effect, we needed to make an initial payment of {$850.00}, which was processed via debit card on XX/XX/2018. 

Today, our vehicle loan with Santander is in the same negative status as it was when I placed the initial phone call due to the negligence of not one, but TWO representatives who failed to provide accurate information when setting up this  payment plan. Unbeknownst to me, our next payment should have been in XXXX and not XXXX according to an account representative I recently spoke with who informed us of our delinquent account status. 

Santander has repeatedly apologized and admitted that the representatives of their company provided inaccurate information, yet they refuse to remedy the issue. We are unable to make an additional payment on this account, especially since we were under the impression that regular payments would resume in XXXX. Santander has a fiduciary responsibility to their customers that includes providing them the most accurate information regarding their account ( s ). Their mistake have cost us yet another negative credit mark, and an additional balance that we are unable to resolve at this time. We are requesting Santander to delete the negative credit reporting associated with this payment arrangement, as well as defer XXXX payment to the end of the loan as originally discussed. Furthermore, when I access our account online, it shows a past due amount of {$4200.00}. Santander needs to adjust this information to provide the most accurate information about our account.
Product: Credit card or prepaid card

I paid my Chase statement balance online on XX/XX/2021. I received an email on XX/XX/XXXX indicating I had a balance due. On XX/XX/2021 I called Chase at XXXX to inquire about the {$30.00} posted to my charge card. I was told the fee was interest from XX/XX/XXXX until the time I paid on XX/XX/2021. I asked how and why interest is charged after I paid the statement balance in full. XXXX apologized for the confusion and told me she was trying to credit my account for {$30.00}, but her request was declined. I asked to speak to a XXXX. I was transferred to XXXX XXXX and asked the same question and was told the same thing. I told him I paid off another Chase account and was not charged interest after I paid the full balance and he indicated I was charged interest and I called Chase and Chase reversed the fee. I asked if he could do the same this time and he said no because it was too much. He also said if I did not pay the fee, I would be sent to collections. 

I asked my attorney to send a letter disputing the charge and they sent a letter on XX/XX/2021. To date, I nor my XXXX  have heard back from Chase regarding the dispute letter. 

On XX/XX/XXXX. 2021, I received an email from Chase indicating my email address was changed. I did not request this change so I called Chase and learned my email address and mailing addresses were changed. Neither were requested by me. When I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was asked to enter my zip code and after several attempts, I learned the zip code on my file was for my attorney 's mailing address. When I was finally able to access my account, I saw messages from Chase indicating they have been trying to reach me and I needed to update my email address. The email address they had on file for me was XXXX. I was told to change it. 

None of the customer service representatives were able to tell me why Chase keeps changing my contact information or why Chase was trying to reach me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for any of these account. These account are fraudulent and I have no knowledge of these account.
Product: Credit reporting or other personal consumer reports

This is not a mistakeplease review this complaint thoroughly. My credit report contains mixed and inaccurate information, and I have repeatedly found accounts, transactions, and items that do not belong to me. This situation is deeply troubling and has caused me significant stress and XXXX, as these errors unfairly reflect on my financial record.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This is also completely inaccurate. 

XXXX XXXX XXXX XXXX Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX XXXX This is not mine 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

XXXX XXXX is reporting a credit card account as being a charge off and it was included in my bankruptcy as shown on my experian report.No account can be charged off past the filing date by federal law according to the FTC.To report past the filing date is a violation of my stay and my confirmation that binds creditor and consumer at the time of filing.Also XXXX XXXX is reporting my bankruptcy date as XXXX and as a charge off in XXXX which is totally incorrect.My bankruptcy filing is clearly shown on my Experian report as XX/XX/XXXX.They also filed as a creditor for payment from any proceeds and were electronically notified by the court. I previously disputed and Experian investigated and verified this false reporting and did not remove or correct it.The FCRA says i am entitled to a fair and accurate report and investigation if i dispute.How thorough an investigation could have been done if Experian can not verify information shown clearly on their own report.I accessed my free report from XXXX and viewed it 2 times and printed it. I tried to access it again and Experian said i had accessed it to many times, and asked me again to send them forms of identification with any disputes.I previously on XXXX XXXX sent them the following by certified mail and was signed for by XXXX XXXX XXXX, copy of my D.L., copy of my utility bill and my bankruptcy schedules.So what next do i have to send a blood sample too.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received a fraudulent hard credit inquiry from XXXX XXXX XXXX. XXXX XXXX was not able to locate any application for credit with my provide SSN. But, I need to have the hard inquiry removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported that I had Serious Delinquency to a lender that was used to deny me credit in XX/XX/XXXX and XX/XX/XXXX and my credit report does not show any delinquency. 
When I called TransUnion to address the issue, their prompts only stated that my free report is on its way.
Product: Mortgage

I applied for a loan modification today and SPS would not talk to me about the modification. The representative stated that he referred my account to a foreclosure attorney. SPS is practicing dual tracking. This is illegal and I think that SPS is doing this to me because Im XXXX XXXX. My constitutional rights have been violated. I would like to be offered a modification l like the other XXXX   people in my neighborhood. Also, please know that my home is tied up in litigation and thus SPS can not foreclose on my house.
Product: Mortgage

I became very XXXX and my husband and I contacted Flagstar Mortgage company for help and they said they would help. They put us in a forbearance for a year and then they wouldn't refinance with us after that year we were told that we had no contract with them we ended up in court and we won the case so they sent us a new mortgage that saves us XXXX ... .they 're not reporting or payments or non payments to the credit bureau so we can not refinance with another mortgage company.
Product: Credit reporting or other personal consumer reports

I pulled my consumer reports from ( Experian ) and noticed that you provided an account there as a charge off/collection. } An account can not be a charge off and a collection at the same time! 
A charge off is a canceled debt where a 1099C form must be issued to the consumer! How can a canceled debt be collected? 
Collecting a debt that has been canceled constitutes tax fraud. 
Experian has provided this account : XXXX from XXXX  XXXX XXXX as a charge off/collection and is violating the Fair Credit Reporting Act 15 USC 1681.

15 USC 1681e ( b ) ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information regarding the person to whom the report relates. 
Reporting inaccurate information to a consumer reporting agency is detrimental to my creditworthiness, credit standing, creditworthiness, character and overall reputation. 
You ( name of creditor ) are a furnisher of information and are prohibited by law from reporting inaccurate information.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of
furnishers of information to furnish truthful information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if he or she knows or has reasonable cause to believe that the information is inaccurate. Therefore, I request that XXXX XXXX XXXX account XXXX be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, XXXX data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report, without any authorization, they are hurting me 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Student loan

I applied for borrower defense from student loans from XXXX and XXXX XXXX XXXX XXXX for fraudulent claims, claiming that 90 % of graduates had jobs in their field of study within six months of graduation. They also claimed that on average, XXXX graduates earned 15 % more than other graduate institutions and this was a false claim as well. On XX/XX/2020 I reached out to Federal Student Loan to receive a status update on my case via their message center and I received no response concerning my case. 

See my message to them below : Hi Please provide an update on the status of my claim regarding XXXX and the fraudulent and misleading claim, that 90 % of graduates had jobs in their fields of study within six months of graduation. They also claimed that on average, XXXX graduates earned 15 % more pay after graduation than other graduates of institutions, this claim was false and very costly to me. Please advise where we are in the process of reviewing my claim. Thank you
Product: Money transfer, virtual currency, or money service

Coinbase will not allow me to add a bank account to my Coinbase account that will allow me to wire my money to my XXXX bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The email sent to officers of the Freedom Mortgage sums up our issues : We are writing to you after almost a month and half of customer service issues with everything from conflicting statements to unnecessary delays. 

We were greatly impacted by the hurricane here in Florida and had both roof and lanai damage. We've gone through the insurance channels and sent our disbursement check to your company almost 2 months ago. 

Since that time we have been extremely frustrated with the level of customer service at your organization and after a month and half are still being told it will be 16-20 days until our first disbursement which we are waiting on to make necessary repairs. 

On XX/XX/XXXX we were put through to a XXXX named XXXX XXXX. She provided her email address and we uploaded several documents of which she confirmed receipt. This included the revised adjusters report from our insurance company. She was very helpful that day but since then was unresponsive. 

After a couple weeks went by I called to follow up and was told our claim was still in process. We were also informed that our processor is XXXX XXXX. 

As these funds are holding back necessary repairs I have since then been calling weekly to check on the status. Each time I call I get a different story and are told they will escalate it to the processor and have him call me. This call has never been received. Last week when I phoned the representative told me our check was sent out. After the tracking number they provided said the item had not been received I phoned again today. 

On today 's call the representative said the processor just received our revised adjusters report from the insurance company. This was a document that was sent to the XXXX XXXX XXXX on XX/XX/XXXX and that on several phone calls the representatives said they could see it in our file. Once again they said they would email our processor XXXX XXXX and ask him to reach out and express our frustration. 

This process has gone on way too long and to hear a different story each time I call is very unacceptable. We are beyond frustrated with this process and how extraordinarily long it is taking. It was easier dealing with our insurance company than going through this process. 

We ask that this be escalated and that our initial draw be sent out so that we can move on and repair what the hurricane took from us. 

We also plan to report this to the Consumer Financial Protection Bureau. 

We await your response.
Product: Debt collection

Continually calling XXXX 8 times per day even after they receive the information about payment dates they are looking to get. Asked them not to call again and was told until the payment actually showed up, they could not take me off their auto-dialer.
Product: Money transfer, virtual currency, or money service

I am writin gto formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepencies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I was interested in applying for the new XXXX XXXX issued by Goldman Sachs Bank but it is restricted to just allowing XXXX XXXX or higher users to even apply. I would think that this general purpose card is using the requirement that applicant 's have not only a specific product brand but only the more recent versions is in fact a type of redlining. They do not seem to have a way for anyone interested to apply for credit ( maybe after getting the card a consumer would then want to purchase an XXXX XXXX. Application is also not supported by individuals that may have any number of other XXXX products except the XXXX. 

If this was a store card only accepted at XXXX or only able to be used in the XXXX wallet as XXXX Pay then it might be different but they offer a physical card to use anywhere. 

This just feels like a modern version of redlining as XXXX owners skew to a higher socio-economic level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to benefit nor authorize these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a bankruptcy reporting on my Equifax credit report, that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$860.00} ; XXXX XXXX Balance : {$1000.00} ;
Product: Checking or savings account

I opened an account with ALLY BANK during the 1 % match XXXX XX/XX/XXXX. Transferred {$30000.00} from XXXX and {$31000.00} from XXXX XXXX. Email from ALLY states XXXX transfers has failed and money should go back to external accounts. The missing money is still gone. Its been over a month now and still no money at external accounts or at ALLY BANK. Multiple calls to ALLY customer service stating that the money was sent back to external account and each time they tell me i have to do a dispute process with the external banks. Multiple hours wasted talking to external accounts, all they see is that the money got transferred to ALLY and left their ledger. Disputes were filed and XXXX as of XX/XX/XXXX with a XXXX way call with ally states from their investigation that money should still be at ALLY bank. ALLY states that Incomplete transaction disputes are the only way to get my money back. Multiple rounds of back and forth but no one knows where the money is. I must have spent over 7 hours on the phone with these banks. Who can i contact to straighten this out? attached is ally reference # XXXX and XXXX.