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

To whom it may concern, I incorrectly entered the wrong account number to set up direct deposit at my work. This incorrect number was actually a valid account number with Chase, so the deposit was made into someone else 's account. I called Chase to try to fix the issue and they instructed me to file a claim for the {$500.00} that was sent to the wrong account. The findings of the claim instructed me to go through my works payroll departed and have them recall the money back. Chase received my companies Payroll department request, but denied it because the funds had already been withdrawn from the incorrect account. Since then I have spoken to numerous Chase reps, as well as a supervisor. The supervisors name was XXXX, and she instructed me to go through small claims court, to try to get my money back that way. She would not provide any information for the other party who received my money, which i completely understand, but she also said Chase would not contact the other party to let them know of the mistake. 

I have the other persons account number, but I don't believe i should have to go through small claims for this. I am not even sure i would be able to, without the other persons name or address. 

I find it extremely hard to believe that Chase can not put the other persons account into the negative, or at least contact them to let them know of the mistake. Every rep i have spoke to at Chase seemed uninterested in my problem, and always tried to transfer me, and get me in another direction. 

I can provide the other parties account number, as well as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name :XX/XX/XXXXAccount Number : XXXX Balance : {$580.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX Account XXXX : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXXXX/XX/XXXXAccount Number : XXXX Balance : {$500.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$850.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$440.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX EQUIFAX XXXX on XX/XX/XXXX XXXX CARD SERVICES XXXX XX/XX/XXXX XXXX XX/XX/XXXX on XX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX which is the same company as XXXX which was paid off in XXXX of XXXX.I have lost my patience with this company placing negative information on my Experian account and Experian is allowing it.Every other week they are sending fraudulent information that I am delinquent on an account that was paid off on XXXX Financial accepted a check from the title company on both loans they had opened in my name and one of the loans was a Forgiven Loan.Why are you all allowing both of these entities to place fraudulent information on my credit reports? I provided proof to you all the loans was paid in full. The title company has provided information, so my question is do I need to hire an attorney and file a lawsuit against someone in order to get this negative information off my credit report? Its sad when innocent consumers are battling against these predatory companies.Everytime I apply for a place to live that false information is hindering my ability to move forward with my life.
Product: Debt collection

XXXX is the phone number to call and you can not leave a message. I do t know who they are or what they want. I told them to stop calling my work. They say in a voice mail they are suspending my bank accounts and taking tax returns. They do not identify who they are. When I asked when called my work they dont say are. They do not say they are a debt collector. They constantly call my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX isnt my lien holder at XXXX XXXX XXXX XXXX, XXXX.
Product: Checking or savings account

On XX/XX/XXXX, Capital One checking debited my account for XXXX for payment of my mortgage as has been done for years. ACH is not available even though the payment goes to another bank, XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ). The check was never sent. I received a past due and late fee by mail on or about XX/XX/XXXX. Inquiry with Capital One by phone revealed the check was still outstanding and I received no notice from them. They refunded the amount they improperly debited on XX/XX/XXXX and paid me for the late fee. A replacement payment was initiated through the same system, Capitol ONe 's website, on XX/XX/XXXX. I criticized their system for not alerting anyone that such a large check was outstanding for weeks. Yesterday, XX/XX/XXXX, after seeing no change in my mortgage balance ( An interim payment for the same amount was properly processed ) for the month of XXXX, Capital One informed the same mistake had happened again. My account debited 10 days ago for funds that were never sent. No alert was given to anyone about the outstanding check, and no refund has yet been issued. As of now, they have " opened a claim. '' They have still reduced my balance for thousands in a high-interest rate environment and have no intention of improving their system.
Product: Checking or savings account

On XX/XX/XXXX I made a purchase from XXXX XXXX XXXX ( seller ) in the amount of {$2800.00}. I paid via XXXX with my debit card ending in XXXX which is linked to my Citi checking account. XXXX XXXX ( seller ) said it'll take a few weeks to ship my turbo chargers. Timeline : On XX/XX/XXXX I followed up with the seller and I was given a ship date of XX/XX/XXXX. 
On XX/XX/XXXX I asked the seller for tracking info and 2 days later the seller replied that units were not available and that he will upgrade the turbo chargers due to the inconvenience/delay. 
On XXXX XXXX the seller sent me a mock shell so I can get ahead and keep working on my project. 
On XX/XX/XXXX I inquired about the order again and received a reply from XXXX/seller 2 days later saying that it will be the XXXX of XXXX before they could ship. At this point seller offered a refund which I accepted. Seller requested the mock units back before refund was issued. On XX/XX/XXXX I sent the mock units back to the seller via XXXX tracking # XXXX. Mock units were received by the seller and my refund of {$2800.00} was never received. I tried contacting the seller a few times an didnt receive an answer. I tried opening a dispute through XXXX and it was out of the timeframe so I was told to open the claim directly with my bank. 
I opened my dispute with citi bank on XX/XX/XXXX, the reference number they gave me was XXXX. I was asked to fax all documents I had available. 
On XX/XX/XXXX I called to follow up and I was told that they never received the fax. I was very frustrated and went to my nearest branch and submitted copies of all the documents I had available. 
On XX/XX/XXXX I called to follow up and I was told that Citi bank received my documents and they were speaking with XXXX XXXX to resolve my issue. 
Called back on XX/XX/XXXX and they were still processing the claim, to call back. 
On XX/XX/XXXX I called to follow up and I was told that the claim was denied. Customer service rep was unable to provide a reason. I was asked to re-submit all the paperwork to the same fax number I originally used XXXX. 
It is very frustrating, Citi bank denies my dispute without any notification. I never received a letter in the mail saying that they received my dispute or to tell me that my claim was denied. They cant even give me a reason why the claim was denied. This is not how you treat long term customers. I hope you can help me get a straight answer from Citi I opened my dispute back on XX/XX/XXXX and waited more than 3 months for them to tell me that my dispute was denied without a reason. How do I know if someone even reviewed my dispute? Please help. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received several hard inquiries from one company ( Equifax Mortgage ) ( pulled by XXXX XXXX ) I only authorized them to pull my credit one time. My wife didnt authorize them to pull hers at all. They pulled both of our credit report several times now we both have several hard inquiries on our credit reports, which dont look good to lenders! I called the lady who pulled our credit multiple times but she refused to remove all those unauthorized hard inquiries!
Product: Credit reporting or other personal consumer reports

The following Inquiries were not authorized by me and I have no knowledge of them. I believe they are fraudulent. Please remove from transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America. XXXX Please remove from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I changed insurance at the end of the year which was XX/XX/year> howbeit my mortgage lender had already had already paid that fund to that insurance from my escow so I ended up paying 2 insurance anyhow the insurance company that I changed they are going to refund me that amount that was initially paid to them which will be refunded to my escow when collected because of that my mortgage went up the told me they calculated for the year to spread the amount or until I returned the money the insurance is going to refund I made a verbal agreement to that and I posted a payment in that amount but I noticed another hike in my mortgage for the coming month so I called and was trying to find out why another increase after you already told me XXXX amount and I was rudely cut off from the call the representative hang up on me
Product: Credit reporting or other personal consumer reports

I am Filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are some of the accounts I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My brother attended the Maryland XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, for which he applied and paid for with a Maryland XXXX XXXX Application for student loan. 
Recently the creditor agency GC Services LP sent documents to his employer and as a result have been garnishing his wages, with no evidence of default on a loan from 30 years ago. Please advise, as we believe GC Services LP to be committing fraud in conjunction with an all-too easily duped payroll supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602A states I have a right to privacy 15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions Account XXXX XXXX XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX violations Account XXXX XXXX XXXX XXXX Date open XX/XX/XXXX Last activity XX/XX/XXXX Equifax Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XXXX how can last activity be before account was open Three violations XXXX XXXX XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XXXX how can that last activity be before the account was open? 
Two violations XXXX XXXX XXXX XXXX Equifax Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX how could that last activity be before the account was open? 
One violation XXXX XXXX Equifax Date XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX how could that last activity be before the account was open? 
Two violations
Product: Credit reporting or other personal consumer reports

I have been monitoring my account for the past two years and then unfroze the sub credit bureaus after all investigating on my part was done to correct anomalies and incorrect information. I found out I am locked out of my online Experian account. The verification process always ended unsuccessfully and there is never an actual person you can speak to on the phone like there used to be where you can capture a live picture of the front and back of your drivers license and proceed from there. Finally, I was able to obtain a mailed copy of my Experian Report # XXXX for XX/XX/year> and # XXXX for XX/XX/year>. I saw the last four digits of my phone number had been changed somehow, yet my correct phone number is also listed and not allowed via Experian 's text # XXXX feature which is a major verification issue. No push notifications are coming through to my correct phone number. ALSO, last summer, Experian held my credit score hostage with a " upgrade to refresh your score '' upgrade membership notification. I did not get an updated credit score for months after I unfroze the sub bureaus.
Product: Debt collection

This debt collection company just went into my bank account and garnished all of my wages from my account and left me at XXXX balance. I called the company to work something out and they denied and stated their is nothing they can do. I know I owe the debt and I am willing to work out a payment arrangement to get the account paid off.
Product: Credit reporting or other personal consumer reports

During the months of XXXX and XXXXXXXX XXXX  I was shopping for a new vehicle. 

I contacted XXXX on their website and looked at about 6 vehicles. XXXX advertises that they will make a 'soft check ' and they will tell you if they can finance you. 

On XX/XX/year> I purchased a used XXXX XXXX with financing through XXXX. 

I found out this month that I have five ( 5 ) inquiries on my credit report from XXXX XXXX XXXX and Experian. XXXX sells cars for many private dealers and they were provided my information by XXXX. These independent XXXX XXXX ( XXXX ) were provided my credit information which they then pulled my credit report resulting in ( XXXX ) unauthorized inquiries. 

On XX/XX/XXXX I paid off the balance of the XXXX car loan purchase in cash, Yet my XXXX credit score by now shows all these inquiries.
Product: Credit card

I received a notice on XX/XX/XXXX from Midland credit management regarding an outstanding debt from XX/XX/XXXXXXXX, I immediately contacted midland and was informed this was from XXXX I informed the gentleman that this is not my debt, he further stated that there was a judgement against me from XXXX, this is the only correspondence I have received regarding this debt, it has never been on my credit report or I would have sought further information.. he suggested I pay the debt or file a complaint, so I am filing a complaint
Product: Credit card

XXXX XXXX  XXXX  ACCOUNT XXXX ACCOUNT WAS OPEN XX/XX/XXXX AND CLOSE XX/XX/XXXX COMPANY FAIL TO PROVIDE STATEMENTS COPIES FROM THE ABOVE DATES. 

I HAVE MADE MULTIPLE REQUEST FOR STATEMENTS FOR ACCURACY OF ACCOUNT. 

COMPANY FAIL TO PROVIDE ACCOUNT INFORMATION AND PAYMENT HISTORY FOR PAYMENT HISTORY
Product: Debt collection

on XX/XX/22 I summitted a hipaa violation to Union Credit for 4 previous accounts that were on my XXXX credit report. On XX/XX/22 I submitted a separate complaint in regard to another account that's reporting from this company. ( I received a message saying answered last week ) the attached document with this complaint is a new violation letter mention the desired account to be removed from my credit profile. I would like this account to be removed form my profile immediately. thanks for the cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX   XXXX not mine INQUIRIES XXXX XX/XX/2017 unauthorized XXXX XXXX XXXXXX/XX/2017 unauthorized XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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
Product: Money transfer, virtual currency, or money service

My PayPal account was limited for 180 days beginning last year following a transaction that I attempted to clear up with PayPal without any success despite availing all the requested documents. I resolved to wait for the 180 days which I completed but PayPal still denies me access to my funds as I can only withdraw the funds from a XXXX XXXX  account despite originating from XXXX. I have made requests to the company to permit me to use the banking option I was using previously or to link a local bank account but this has been unsuccessful. My PayPal email is XXXX.
Product: Credit card

On XX/XX/2023 I went to the Chase Bank XXXX XXXX XXXX XXXX, CO to apply for the Chase Sapphire XXXX ( XXXX ) in branch offer - XXXX point ; XXXX after {$4000.00} after in 3 months of spending, and XXXX additional points after {$6000.00} total spending. I met {$6900.00} worth of spend within XXXX billing cycles ( XXXX days ). However, only the public XXXX offer of XXXX points posted. I inquire both in my Chase secure message portal and with the banker where I applied " in-branch ''. Neither was able to match, honor, or provide a courtesy adjustment for the remaining XXXX points. Of note, the in-branch banker reported technical difficulties with the offer. They ended up sending me a link to apply for the credit card on my phone. I inquired if this would be an issue and was reassured by the banker that this would not a problem ( the full points should post no problem ). I was also reassured that if there was a problem, they would later be able to rectify the issue and adjust the points ( XXXX? ) later. So far, nearly 90 days later, this has not been the case. The branch banker has reportedly taken details notes on this issue. The issue was escalated by me and the banker and it was still determined that there was no recourse for resolution. So this at least falls under : XXXX ) some kind of technical mismanagement of the company, or XXXX ) borderline fraud/false advertising or promises related to the promotional offer. And a general lack of courtesy, consideration, etc. to the customer. I have been a mostly pleased, profitable customer until now. Reconsidering that business/relationship now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following creditors are falsely reporting accounts to my credit report that were opened without my knowledge or consent. I have already filed an Identity theft report and a better business bureau report. I demand these be removed immediately from my credit or I will pursue legal action since I am protected under the fair credit act section 609. The following accounts must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

After I was laid off due to covid-19 I called credit acceptance to see if I could change the due date or defer the payment for a couple weeksso I could get a clear pucture of my financial situatio, they said no, we will not make collection calls, however reposessions, credit reporting and late fees are moving forward as always.