23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Hello, I have had an auto loan with Chase Auto Finance for 1 year. I have had repeated problems when trying to pay my bill, and can not get them to send title to the vehicle registration state that I have moved to.

When I

call to pay my bill, I am told that they only take payments via debit card via a specific line. When I call this line, I have been put on hold for as long as 2 hours, and am frequently late in making payments because of this. Mmost recent call, I was on hold for an hour, then transferred to another hold line where I waited another 45 minutes before giving up. My bill is due on the XXXX, and I have been trying to pay it since the XXXX. 

In addition, I moved states in XXXX and have now requested a copy of the title to be sent to Washington state DMV 4 times and have not received the requested documents. This has caused a lot of time wasted and penalties for me because my registration is now expired.

I need immediate attention. 

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

I'm XXXX XXXX, and I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX  XXXX XXXX : {$3900.00} XXXX XXXXBalance : {$0.00}
Product: Debt collection

Transworld Systems filed a collection on XX/XX/2023 in the amount of {$360.00} with the credit reporting agencies without providing any notice or communication whatsoever to me regarding the debt violating the Fair Credit Reporting Act. 

As soon as I received an alert from XXXX, I immediately contacted TransWorld Systems to dispute the debt and followed up with that dispute in writing. I have also reached out the agencies to dispute the debt as well. 

That said, I am in the process of buying a business and this clearly will pose significant negative financial impact to me. Please assist in resolving this, as this agency has operated unlawfully.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report & I was shocked to learn that I had been a victim of identity theft. I found numerous accounts on my credit report that were all opened in the same month and NOT by me. This has been hurting me because I am currently in the process of trying to purchase a home for my family. Please remove these fraudulent accounts from my transunion & XXXX credit reports as soon as possible : XXXX XXXX XXXX : XXXX opened : XX/XX/XXXX amount owed : {$1200.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX amount owed : {$1800.00} XXXX XXXX : XXXX opened : XX/XX/XXXX amount owed : {$150.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) amount owed {$0.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) amount owed {$0.00} Pursuant to USC 8 , I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681 b. 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4 Also, if said verified i would like to be sent info on how these accounts were verified & what process was used to verify the info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige Financial SVC has placed an unauthorized inquiry on my credit file. Requested written verification, company failed to comply according to FCRA Guidelines.
Product: Money transfer, virtual currency, or money service

I received a text from XXXX saying it was from Chime asking if I attempted a purchase of {$400.00} at XXXX. I said no. The next text said a representative would contact me shortly. I received a phone call from the Chime customer service phone number ( XXXX ) XXXX. The representative verified the last XXXX digits of my XXXX and said someone had accessed my account and they recommended changing my account number. He said his XXXX would send me a notification to approve the transfer to the new account. I received a text from Chime saying, " XXXX XXXX requests {$2000.00}. Tap to approve or decline. The notification said " For transfer into new checking '' The chime sign for the account was " $ XXXX XXXX As soon as I did, the call disconnected. I IMMEDIATELY realized that I'd been scammed and IMMEDIATELY called Chime Customer Service ( XXXX ) XXXX and spoke to a representative and asked for the transaction to be reversed. She took some information, the same information I relayed above, and gave me a dispute number. I later received an email from Chime that no error had been made and they would not reimburse my {$2000.00}. I knew no error had been made, but they could have seen the notification on the transfer, " for transfer into new checking '' and reversed the charges.
Product: Student loan

I have a loan with Navient I have been paying for almost tens years by sending in a check in the mail for the proper amount, sometimes double. The check processing company has lost checks and held checks for months and then charged me bogus late fees. I have sent in bank statments to Navient to show that they are messing with my payments but they try to say that they were never received or received late. They now say I am {$600.00} late even though I have sent in a check every month for tens years
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Bank of America 's failure to deposit my checks from my employer and any other incoming deposits. Bank of America has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

Continuation of complaint XXXX that was n't further processed. 

CSI calls for unowed debts and does not abide by the do-not-call list for new owners of a phone number. 

Also, when the number is called back the CSI rep hangs up. Eight days later when called back a rep answered verbally and stopped talking -- unresponsive.
Product: Money transfer, virtual currency, or money service

I have been a member of XXXX ( Wise ) for years. I have transfered anywhere between USD {$1000.00} to USD {$50000.00}. I have never had any issues. Last week I transferred less than {$35.00} USD to a XXXX  in XXXX who needed the money to buy a vaccine for my father. Wise put that transaction on hold and because it was an emergency so I used another service to transfer money and money was sent successfully. 
I then contacted Wise customer support team and told them to cancel the transaction because I have already sent the money using another service. And the customer care rep told me to reply to their email saying please cancel the transaction and so I did that. Few days later I got an email saying that my account would be suspended on XX/XX/XXXX and I still dont know what customer agreement I have broken. I have appealed the process to keep my account and its been over a week now and I havent heard anything from Wise. Today I contacted Wise customer care team again and they said they didnt receive any emails from me which is clearly a lie.
Product: Credit reporting

Records were stated again from XX/XX/XXXX,XX/XX/XXXX to lower my rating from Trans Union. I am retired, and dept free at this moment. there rating service return old files that I requested be cleared 8 or nine years ago. I 'm purchasing a car, and will be forced to pay a higher rate due to their false report. If an update is issued, I can reapply for a lower rate. Thank you, XXXX XXXX. 
XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1, XXXX XXXX Acct # XXXX 2, XXXX XXXX Acct # XXXX 3, XXXX XXXX XXXX Acct # XXXX 4, XXXX XXXX  Acct # XXXX 15 U.S.C 1681 section 602 A. States I have a 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I went into XXXX XXXX to buy a car. I was in urgent need since my car had been totalled and I needed a car to get to and from work and get my kids to where they needed to be. I saw a XXXX XXXX for Sale, the sales man told me they would sell it to me for {$17000.00}. I test drive it and it sounded ok, the stearing wheel was hard but i figured it was because I was used to driving an old car. Once I got to finance the gentleman convinced me on getting an extra insurnace for the car. He said it would only add a couple dollars to my monthly payment. I said ok he never told me the total amount i was going to end up paying he also never said anything about GAP insurance. I signed my paperwork and the total amout that was going to be financed was about {$13000.00} after my {$4500.00} downpayment. I went to my insuramce and they suggested I go back and ask if i could get gap insurnace on the car since they didnt provide me with that. I did and we did everything in a hurry because that was all that was being added to the paperwork he had me sign all of my new paperwork in a hurry he took my old paperwork and shredded it. After I got my paperwork from the bank it showed a remainder balance of {$19000.00}!! I called and asked if it showed the {$4500.00} downpayment that i had given, and she said I would have to talk to the dealership about that. I went to my car and grabbed my paperwork and saw infact that was what the dealer had sent to be finanzed, it has an add on of {$990.00} and an add on of {$2600.00} for service all of my paperwork shows different amounts! Everything is done so wrong! I also found out they gave me a vehicle that had some part broke and that is why the stearing wheel drove so bad. I am so mad and sad that they would take advantage of me this way! Just because I was in a big hurry to buy a car. I am so upset.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15
USC 6802 ). XXXX XXXX  is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN Consumer Reporting Agencies by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In according to FAIR CREDIT REPORTING ACT, XXXX  # XXXX ; XXXX/DEPT OF ED # 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. have violated my rights. 

15 USC 1681 sect 602 ( a ) The right to privacy 15 USC 1681 sect 604 ( a ) sect 2. consumer reporting agencies can not furnish your account without my written instruction.
Product: Credit card

On XX/XX/XXXX, I made three purchases at XXXX, each totaling {$500.00}, amounting to a total of {$1500.00}. Chase Bank 's reward program for the fourth quarter of XXXX includes a 5 % reward points bonus for shopping at wholesale companies like XXXX. The terms specify that any expenditure made by XX/XX/XXXX qualifies for this bonus. My purchase, shipping, and delivery dates were all on XX/XX/XXXX. I should have been eligible for the 5 % reward points bonus for the fourth quarter of XXXX. However, Chase Bank only posted these transactions on XX/XX/XXXX. As a result, I received only 1 % in points and missed out on the XXXX points I should have earned. 

According to the terms and conditions of the bank 's rewards program, purchases made by XX/XX/XXXX are eligible for the 5 % bonus, with no specification regarding the posting date. I discovered this issue on XX/XX/XXXX, and contacted Chase customer service. They requested that I inquire about the reason for the delay at XXXX. I called XXXX, and based on XXXX 's confirmation, all procedures were completed and submitted to the bank before XX/XX/XXXX. There is no record indicating any delay until XX/XX/XXXX. Subsequently, I contacted Chase Bank again. The bank customer service staff asked me to wait for the paper document explanation after 14 working days on the grounds that it was being processed. 

On XX/XX/XXXX, I received a written explanation stating that my purchases were considered to be on XX/XX/XXXX, not meeting their requirements, but without providing any reason for the discrepancy. 

As a user, since I can only control the purchase date but not the bank 's posting date, I believe this is not my fault. According to the terms, the bank should adhere to its regulations and provide the corresponding points. After contacting Chase customer service on XX/XX/XXXX, they requested that I upload my purchase receipts on their website to resolve the issue, but the matter remains unresolved. As of XX/XX/XXXX, I have not received any clear explanation from customer service. I believe they have violated their own terms displayed online. As a customer, I made the credit card transaction on XX/XX/XXXX, and Chase 's customer service has not provided me with a reasonable explanation, but stating that they are unable to handle the issue. Despite multiple phone calls and system message submissions, there has been no resolution. I hope to receive assistance here to communicate with Chase and obtain the 5 % cashback that I am entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXBalance : {$4700.00} XXXX XXXX XXXX XXXX XXXXBalance : {$4600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on both XXXX  and XXXX are fraud. I did not open up any of these accounts listed below so I should not be accountable for them. Ive been dealing with fraud for a very long time and its time for all of this to get squared away. 
Ability Recovery Service ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX  XXXX  ( XXXX  )
Product: Debt collection

I got a call from Sunshine Credit Services debt collection agency at XXXX. 
" XXXX '' stated my name and phone number was " associated with an outstanding debt ''. 
I did not recognize the company that the person said I owed over {$480.00}. 
I asked to speak to a supervisor and I was not nice. I spoke to a XXXX XXXX. 
They said they had the wrong number. But when I told them they originally asked for : XXXX XXXX at my home phone number. 
They then said that they made an error. 
I asked them how they got my name and number and they said again that " They called this number in error '' Again, the opening conversation was " Is this XXXX XXXX? '' The person stated that I owed a company I have never heard of over XXXX dollars. 
I am worried that I am a victim of identity theft and what if they called an elderly person who was intimidated? I am a XXXX and see all the time the elderly being taken advantage of by callers that have " scams ''. 
Please follow up so this never happens to anyone else.
Product: Mortgage

I had a mortgage with Wells Fargo. Wells Fargo put me in a loan modification when it was not needed. Wells Fargo also failed to place my payments in its appropriate accounts which always had my account in default and always in foreclosure status. WFC never applied my mortgage payment accordingly and always had my escrow in a negative status. I am reaching out to your company for loan modification issues, payment process issues, payment account issues, as well as escrow issues with Wells Fargo mortgage company.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for CAPITAL ONE to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

CAPITAL ONE - XXXX Last XXXX digit SSN - XXXX
Product: Money transfer, virtual currency, or money service

My CD account with XXXX by Goldman Sachs matured on XX/XX/18. I called that day to close it and initially to add funds to it and open again for a new period. My other financial institution was linked to my CD account in order to make the fund transfer. After a few days I called again to confirm the link but I was asked about my employment status in order to proceed. I told them its irrelevant and I dont want to reveal that information. They said its required so in this case I requested to talk to a supervisor. But, the supervisor confirmed it is required. So in that case, I informed the supervisor I want to close the CD account and I want all money to be returned to my to the other financial institution that was linked to my CD account. The supervisor read me a statement that its what I want - to close the account completely and to get the money back and I confirm it again. She said it will take 2-3 days to close the account and another 2-3 days to transfer the money back to me. This conversation was within a 10 grace period and it was on a recorded line. 
I waited a week checking my other institution online account every day if the money from my CD got transferred. But it wasnt. So, I called XXXX again today why I didnt get my money back. They told me that I was supposed to call back within a 24 hours to confirm it again with them. But that is a lie. The supervisor I talked to never said anything like that. And now, They threatened me that they will penalize me with interest and that they renewed my CD - without my permission. 
I need your help because XXXX by Goldman Sachs is not an honest institution. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a document showing a list of UNAUTHORIZED inquiries circled in RED ; that are showing on my XXXX  and Equifax credit files that I did not authorize. I am a victim of identity theft, therefore believe these are fraudulent inquiries.