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

before yesterday I noticed my wise account was deactivated while I just made a transaction and when I go back to my account again wise says my account is deactivated so I don't see why this is done and then it tells me but what should I do in a call I can do so when I make the call everything they ask me in the call I sent them and this morning wise told me they have not decided to open my account since I had XXXX $ on it, so I want to know why they closed it because I didn't do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reportina act XXXX Account #. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportina agency can not furnish a account without mv written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps adding SEVEN year old debt to my EQUIFAX credit report as NEW debt. I have not had a XXXX XXXX account since XX/XX/XXXX. I defaulted on a contract in the amount of {$1400.00} which was subsequently dismissed in Bankruptcy court in XX/XX/XXXX. EQUIFAX will not validate nor remove the debt even though I have disputed it at least 6 times in the last two years. I have dispute records. I want this illegal debt removed because it is now over SEVEN years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Home Mortgage was included in my Chapter XXXX bankruptcy that XXXX in XXXX  2016. I have surrendered my interest in the home and it should no longer be listed as my debt. 

I have already contacted Wells Fargo and they refused to remove this. They told me that they do n't honor court orders!?! I then called my attorney who said that Wells Fargo is violating the discharge injunction and to contact all the credit bureaus directly. 

I have sent proof that this mortgage was included in bankruptcy to all the credit bureaus and they have removed the information from my credit report. Each time, Wells Fargo comes back saying the loan was modified and it goes back on my credit report. 

Last year, my ex-husband did something with Well Fargo Home Mortgage to lower his payments and not lose the home. I was not involved in that in any way. Wells Fargo told me they DID honor our court ordered divorce decree allowing him to modify the loan without me. I have attached the documentation Wells Fargo sent to me regarding the loan modification in his name only.
Product: Checking or savings account

on XX/XX/XXXX when I went to Chase bank to deposit some cash. Chase teller returned all my deposit and told me that my account checking account was restricted. right after I scheduled with a banker he told me that my account was on restriction due to fraulty check deposit with XXXX XXXX  ( I am the signer of the XXXX  account ) which I can sign the check and deposit to Chase account. Banker told me I need to resolve with XXXX bank first before they can lift the restriction on my Chase account. later I went to XXXX bank and the banker told me there is nothing wrong with the check I wroted to my self. there sufficent fund to fund the check amount {$870.00} and there nothing fraut on XXXX  end. XXXX asked me to resolve with Chase and its Chase end that closed my account. When I called Chase support on the same today XX/XX/XXXX they told me the account is permanently closed and they have ended their relationship with me. no answer was answered. 
Today XX/XX/XXXX. I went back to Chase and seated with the banker and he told me reason was a transaction of {$3500.00} something check deposited I made. I have never made any this large amount to either of my Chase checking accounts. 
All I want is Chase is to investigate the fraudulent activity amount that I didnt made and keep my account open with Chase . 
Most important part of proof is I am the signer of XXXX  account that I wrote check to my self and XXXX said there nothing wrong with check I wrote.
Product: Debt collection

I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : APPLE CARD/GS BANK USA XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or APPLE CARD/GS BANK USA customer service representative . 


I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Product: Mortgage

NationStart Mortgage is a fraudulent and incompetent mortgage company that failed to properly posting and applying my mortgage payment for XX/XX/2016. I demand a criminal and civil investigation into its unlawful practices and a full restoration of my credit history and a civil compensation to me for the damage it caused. 

My mortgage was transferred from XXXX to NationStar without my prior knowledge XX/XX/2016, while I continued my monthly mortgage payment of US {$1400.00} to XXXX. I later saw my USD XXXX was transferred to NationStar on XX/XX/2016. However, NationStar did not apply this payment to my account and falsely reported a 30 day late payment to the credit bureau, and hence, destroyed my credit score. 

I made subsequent payment of US {$1600.00} ( a higher amount demanded by NationStar for no apparent reason to my later knowledge ) subsequently on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I absolutely do not owe NationStart any late payment. In fact, I over paid due to the transition phase. 

I demand a Department of Justice investigation of this matter, and I will report this criminal practice of NationStar to my state senator, XXXX XXXX of Massachusetts.
Product: Checking or savings account

I used my Citi debit card for a deposit of {$400.00} for a XXXX XXXX reservation. The cruise was canceled in XXXX when it was supposed to be leaving for XXXX XX/XX/XXXX. My name is not on reservation and the primary booked via travel agency, and neither primary nor agent provided any documentation to me since I made the deposit XX/XX/XXXX. I attempted to get confirmation several times from the primary and they have not honored my request since asking, claiming XXXX XXXX  has not provided them anything either. I asked the primary guest to refund the {$400.00} on XX/XX/XXXX due to COVID-19. She claimed XXXX XXXX would not provide a refund. I then attempted to contact XXXX XXXX, but they would not speak to me since they said my name was not on reservation. I waited to see if the primary would refund, but she was unresponsive and all she told me is that the cruise was cancelled In XXXX which is when I contacted Citibank to dispute. Citibank rejected the dispute due to lack of documentation ( which I explained as above ). I resubmitted the claim for them to re-open and they did start an investigation, provided me the provisional credit, but eventually rejected the claim once again. I again tried contacting travel agent on XX/XX/XXXX and all they provided is the reservation number as XXXX and promised additional documentation in order for me to provide for Citibank to re-open. The travel agent didnt provide any other documentation however, and I have attempted to dispute with Citibank once again. They responded requesting I fill out yet another form ( attached ) and return via post, which I mailed to them on XX/XX/XXXX, but they have not responded to it. I have attempted to address with Citibank via customer service, us postal service, and XXXX. I contacted customer service and asked for a supervisor who said I would need to refile a fourth claim since Im the one who made the purchase and there is nothing more they can do. When I request the customer service supervisor who else I can speak to and if he would at least connect me to their disputes department, he claimed they can not connect me because the dispute department will not answer and I would have to resubmit a claim. I have tried emailing XXXX several times with no acknowledgement, response, nor results.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, U S Dept of Education Account # 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: Money transfer, virtual currency, or money service

Hello. I'd like to file a complaint regarding my recent international wire transaction of {$50000.00} through Chase for XXXX. 
Now I have to pay a late fee of {$2500.00} because of the Chase mistake. 

I initiated this transaction on XXXX, XXXX 2022. 
After a week, when a recipient told me he still hadn't received the money I contacted Chase over the phone for the first time. A bank representative sent me to the " secure messages '' system and told me to send a request to your internal team. They replied that the money was successfully sent. 
During the next 2 weeks, I contacted Chase several times and representatives were convincing me that the transaction was sent until they finally admitted that the transaction was still reviewed by the Compliance Department. They requested some additional information about a recipient which I provided. On XXXX, XXXX they sent me a message that the money was finally sent. 

In XXXX, since the money still wasn't received I contacted Chase again about 4 times asking them to track the transaction or provide me with a tracking number or a XXXX document. Nobody provided me with this information, I was sent to several different departments over the phone and every time waited for 30-40 minutes on the line after they just hung up on me. 

On XXXX I came to a Chase branch because I was told that they could provide me with a XXXX  document to track the money. 
I spent there 3 hours and after that, I was finally told that the transaction still wasn't sent because their internal department forgot to send over the additional information I provided to an intermediate bank. 

My business partner only received the transfer on XXXX, XXXX because of the Chase mistake. And now I have to pay a late payment fee of {$2500.00}.
Product: Credit reporting or other personal consumer reports

This afternoon, I was stunned to see inaccurate accounts on my credit report, which I have no idea how they got there. I reviewed my report as usual, but this time, there were errors that made no sense. I tried refreshing the browser, hoping it was just a temporary glitch, but the accounts remained. Im asking for a thorough check of my documents to ensure I can finally have peace of mind about this.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXXXXXX Balance : {$86000.00}
Product: Money transfer, virtual currency, or money service

I have sent numerous emails and phone calls on the following dates. 
XXXX, XXXX I have been calling and contacting them because I set up my account to pay for an international symposium and school visitation. 
I used the company I was informed to use WISE. They let me set up an account, I then transferred the money and they withdrew it from my bank account on XXXX. Then I was notified that they deactivated my account.No reason and no excuses why because no one can offer that answer. I have been emailing, calling and trying to get my money back since then. I have been unsuccessful in trying to collect back {$3200.00}. 
It is stated on their website that it can take 5 days. However, after speaking with them they informed me that they would return the money to my account within 10 days. Then it switched to 20 days. Then I am being told it can take sometimes longer. It has been 14 business days and 20 calendar days since they have withdrawn my money from my account. 
I have been trying to find out the status and they simply state that they have no answers because customer service can only see that it is closed and i have to send and email and wait. 
No one can give answers as to when I can receive my money back.
Product: Checking or savings account

Robinhood bank restricted my account with my funds inside and they told me they will uplift the restrictions after 10days its over 10days now they never uplift the restrictions on my account and I need the money inside my Robinhood account for something important. They didnt allow me to transfer my money to my bank account.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Bank account or service

As I explained before ... .your " investigation '' is totally irrelevant to the law. The consumer is NOT REQUIRED to prove they were robbed because that is impossible ( the burden is on the BANK ). Every response provided here will be used in court. Regardless of whether the police report aided your investigation or not is NOT my problem. I was robbed and the main reason anyone keeps money in a bank is for the bank to provide protection against theft. You are required BY LAW to refund the money or take me to court for fraud ( I welcome that ). Every response you provide will only be further evidence the institution is intentionally avoiding federal consumer law. You are wasting my time. Have your legal department call me or my attorney or we will file in court and request maximum damages plus attorney fees and hand this judgment over to an experienced trial attorney who will file a class action and subpoena all the records of claims vs denials. The law is written specifically so the bank can not deny claims by attempting to place negligence on the customer. Not only is this theft by the institution, but an attempt to avoid your own failure of lax security measures. This will come out in court if you choose this route.
Product: Mortgage

XXXX I closed on a refinancing with Cardinal Financial Company ; my first payment was due XXXX I received a letter from Cardinal Financial Company
Product: Credit reporting or other personal consumer reports

Recently cheking my credit report I noticed that I Have been a victim of identity theft and found numerous credit accounts.please remove these fraudulent XXXX from my credit report.Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XXXX JP Morgan Chase appraised my home at a little over $ XXXX. The first lien was $ XXXX with XXXX XXXX XXXX. Chase granted a line of credit for $ XXXX, interest only loan, at a variable interest rate, with a payment of about $ XXXX/mo. So, now I had a second lien, making the total of both liens $ XXXX. As the end of my term was approaching, in XXXX, I wanted Chase to refinance the LOC into a fixed rate, conventional loan. Chase claimed my home was no longer worth $ XXXX and that I was upside down in equity. MY new home value was estimated at $ XXXX. I was stuck with the interest only loan. Chase said they could n't help until I had 20 % equity. I received a letter stating the payments would increase from {$480.00} to {$1800.00}. I asked if they would consider deducting all the interest paid to date, which was about $ XXXX at the time. This would give me the room I needed to refinance. They refused and suggested I modify the loan. But I could n't modify the loan without modifying the first lien with XXXX XXXX XXXX. XXXX was not a problem loan - it was a fixed rate conventional loan. Nevertheless, they were willing to refinance under HAMP but i could n't get rid of Chase and combine the loans because, again, the home value was too low. Chase forced me to pay a {$300.00} fee to allow XXXX to modify. After closing on the HAMP, Chase was willing to modify the LOC. Here comes the worst part! In order to have affordable payments and not lose my home, I agreed to the one option Chase offered ... .. Another LOC at $ XXXX/mo, interest only ( again ) payment at a fixed rate for FORTY YEARS. I will have paid in full by year XXXX, at the old age of XXXX years old, according to the loans docs. I will have paid more than double the original amount of the LOC, if I live that long. I have been cornered, bullied, taken advantage, and misused. While many have had their debts forgiven, I have been forced to accept their loan. All the while, never missing a payment on any of the home loans. I ca n't refinance, I have no equity, I have been paying on a LOC that basically has the same balance due from when I first received the loan. 10 years later, I still owe $ XXXX. 
What do I want? To date, $ XXXX in interest has been paid to Chase. I want that amount deducted from the loan. This would give me the 20 % equity that I need to refinance and merge both the first and second loans at a affordable payment. I want a conventional fixed, low, rate. I do not want the deduction to negatively affect my credit. A negative would put me back into the same bad situation, not allowing for me to refinance. Also, I do not want the deducted amount reported as added income to the IRS. The amount I am requesting is not a forgiven unpaid balance. It is the amount I PAID in full. 
Any help you can offer would be Heaven sent. Thank you for your intervention.