23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to address a critical issue related to a wire transfer intended for my Chase bank account, which was erroneously redirected elsewhere. The transfer was intended to come from XXXX XXXX, who banks with XXXXXXXX XXXX 
On XX/XX/2023, XXXX XXXX initiated a wire transfer of {$20000.00} to my Chase bank account. Unfortunately, due to an error in the provided account number, the funds were not directed to me as the intended recipient. The error originated from the reversal of two digits in the account number used for the transfer. 
Key details of the erroneous transfer : Date of Transfer : XX/XX/ Amount Transferred : {$20000.00} Sender 's Information : XXXX XXXX, XXXXXXXX XXXX XXXX Account Number : XXXX Incorrect Account Number : XXXX ( I am not adding the entire account number but the only mistake was in the first two numbers being flipped by the bank teller ). 
Subsequently, XXXX XXXX received a letter from XXXXXXXX XXXX on XXXX XXXX XXXX which stated that the funds were transferred. However, it's crucial to note that the letter did not address or correct the account number error but instead informed XXXX XXXX that they havent received a response from Chase Bank. 
I am perplexed by the discrepancy in the handling of wire transfers versus checks with differing names. Chase bank accepted and deposited the transfer despite a discrepancy in names, whereas conventional banking practice restricts cashing checks with differing names. This inconsistency raises concerns about the handling of such transactions and the protocols followed by banking institutions. 
Moreover, I contacted Chase bank regarding the accidental recipient of the wire transfer. They informed me that the individual who mistakenly received the {$20000.00} has already spent the entirety of the funds. Chase mentioned they are working on the matter, but their inability to guarantee the recovery of such a significant amount is deeply troubling. As a financial institution, ensuring the accuracy and security of transactions is fundamental, and the inability to ensure the recovery of substantial funds is concerning and unsettling. 
As the intended recipient, this situation has caused considerable inconvenience and financial hardship. Despite efforts to rectify the error and clarify the correct account details, the funds have not been redirected to my Chase bank account. Over the phone Chase bank said that there is nothing they could do because it wasn't their fault and that they just " hope '' that the person who accidently received the transfer returns it but there isn't anything that they can do. I really need help.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account : XXXX XXXX ( Open Date : XX/XX/year> ) XXXX XXXX XXXX ( Open Date : XX/XX/year>XXXX  )
Product: Credit card or prepaid card

I was approved for a Citi Simplicity card specifically for balance transfers being 0 % for 21 months. Upon approval I had up to 3 transfers available to make. On XX/XX/2023 I made all 3 and was told they would be processed within 2-4 business days. That didnt happen. I waited a week. Still nothing. Waited another week. Still nothing. So I called Citi regarding the status of my balance transfers on XX/XX/2023. The account specialist told me there was a hold on my account but did not care to explain why and then told me all the transfers would be complete by the following day, XX/XX/XXXX. Well, here we are on XX/XX/XXXX and still nothing. This morning I got a text message from the fraud department to provide a yes or no answer to a pending charge. I said yes. I got a text back and said transfer will be completed, there is nothing else you need to do. Cool, right? I check my accounts and still nothing. So, I make another call to Citi. They transfer me to another account specialist and this time they tell me I have to wait for a letter in the mail for a verification code because they couldnt verify my account even though I am speaking to them over the phone and am the owner of the account. I ask for a more clear explanation and all they say is you just need to wait for the code in the mail. This is by far the absolute worst customer service for any bank Ive ever dealt with. So, this goes from them approving me to make balance transfers, me doing so, then it gets put on hold for no reason, then they say it will go through the next day, to now they can not verify my account. What a garbage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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: Checking or savings account

In XX/XX/year>, I wrote out a check through my mobile app for my landlord in the amount of {$440.00} dollars. I received a call from my landlord a few days later that he could not cash the check due to the check being a duplicate check to the prior check. I sent out another {$440.00} again through my mobile app, and Chime took the money out of my account but never put the money back into my account. After a few calls and disputing it with Chime, I received my money refund in late XX/XX/year>. Meanwhile, I wrote another check on XX/XX/year>, to my landlord once again and I had received a call from my landlord saying the check was altered, only something that could be done by Chime chime is now confusing the my refund for the XXXX check that i recieved in late XXXX for me refund that was suppose to be giving back to me and as of yet i have not recieved it and its XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Alpine Credit has reported a balance of {$59.00} on all ( 3 ) of my Credit Reports. I had owed XXXX XXXX XXXX and they were actually overpaid. Now, they owe me money as I paid them {$70.00}. I disputed this with all ( 3 ) Reporting Agencies and it was only removed from XXXX. When disputed with XXXX, Alpine stated to XXXX that as of XX/XX/19, I still owe {$59.00} which is incorrect. I then contacted Alpine Credit and sent them proof that this was paid to the servicer and that they need to remove this incorrect information from my report immediately and have had no response. If this isn't removed, I will contact an attorney and see what I can do about their false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card account with   XXXX   XXXX   XXXX   in early   XXXX    2017. Two weeks after receiving and activating the card   XXXX   XXXX   XXXX   charged me a {$75.00} annual fee. I called and cancelled the card and demanded that they reverse the annual fee since the account had only be open about three weeks. They agreed to refund the fee and close the account per my request. Two days ago,  XX/XX/XXXX , while checking  my   XXXX   XXXX   XXXX   XXXX   I  discover that   XXXX   XXXX   XXXX   has reported this account as a " Charge Off '' for delinquency. I have never made late payments on this account and was not notified of by   XXXX   XXXX   XXXX   of adverse activity on my account. All attempts to resolve this problem have be futile.   XXXX   XXXX   XXXX   has blocked online access to account information. Credit card holders do not have an available   XXXX   XXXX   XXXX   customer service email address to report problems through. Telephone phone waits to customer service phone number average about twenty minutes before any one from the company answers the call.
Product: Debt collection

Credit Collection Services acct # XXXX and XXXX XXXX acct # XXXX are reporting fraud accounts on my credit bureau. They both have been calling and threating to take my social security check by garnishment. I have told them over and over to sop call and I do not owe this debt or know what they are talking about. These are the only things on my credit file which I didn't do. I'm XXXX XXXX XXXX and about to turn XXXX this XXXX. I have had the same XXXX XXXX XXXX company for over 25 years and I have never had an credit card. This should be unlawful to allow someone to open an account without 100 percent verification. I never gave permission or identification for neither one of these accounts.
Product: Vehicle loan or lease

I would like to remove the late payment from XX/XX/2019. I spoke to someone on the phone who was unable to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax regarding information being reported in my credit report. 
The dispute was submitted via certified mail and submitted by their records on XX/XX/XXXX and completed on XX/XX/XXXX. I have not received a copy of the results still as of XX/XX/XXXX and they are still reporting the same information without any resolution. XXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting on my credit file that this account was disputed. XXXXXX/XX/XXXXAccount # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA in not reporting on my credit file that this account was disputed. XXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting on my credit file that this account was disputed. XX/XX/XXXXXXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after dispute the CRA is not reporting on my credit file that this account was disputed. USDOE/GLELSI Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting on my credit file that this account was disputed. XXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting this account was disputed. XXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting on my credit file that this account was disputed. The original dispute for said accounts is attached along with a current copy of how each are still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to login to Experian on XX/XX/2020 and an error code was generated incorrect PIN, I know my PIN to be correct. after several attempts it then locked me out of the system. I went back and accessed the retrieve PIN page and verified my pin to be correct, as I knew it was. at this point I am unable to unfreeze my credit and I need it done today. I am under the impression it was required to completed in 1 hour? I can attest that XXXX also made it very difficult as I had to contact them by phone to complete the process. I believe these companies are intentionally making this difficult so we do not freeze our files which allows them to then profit from our files. Experian has no phone hours on the weekend so I am out of luck. This behavior should be illegal
Product: Debt collection

Hello, CFPB. I am writing because I need your help. 

Back onXX/XX/XXXX I tried to fix this issue with Wells Fargo, but they did not do anything to help me. This company is reporting false and erroneous information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. 

This is hugely affecting me emotionally. I am demanding a deletion letter, and the following item from my credit report : Wells Fargo Account # XXXX, Opened Date XX/XX/XXXX, XXXXClosed Date XX/XX/XXXX, XXXX/Balance {$0.00}. 

Please send the attached documents to XXXX XXXX 

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

I have disputed with Medical Data Systems. I have asked them to REMOVE the accounts they have on my credit file because LEGALLY they do not have the right to collect on them. 

I received a letter from MEDICAL DATA SYSTEMS saying they no longer have ownership of these accounts, yet they are still reporting on my credit file. 

I have attached a copy of the credit report where they are shown to be reporting, as well as the letter they sent me saying they no longer own the account. 

I WANT THESE ACCOUNTS FOR MEDICAL DATA SYSTEMS DELETED FROM MY CREDIT FILE IMMEDIATELY! 

I AM PREPARED TO CONTACT THE ATTORNEY GENERAL IS NEEDED AS WELL AS TAKE THIS COMPANY TO COURT BY FILING A LAWSUIT TO SUE FOR THE ILLEGAL PRACTICES THAT INVOLVE MY NAME AND SOCIAL SECURITY NUMBER.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report either. 

Please see attached uploads, and highlighted areas= inaccuracies reported. 

Account Name : XXXX Account # : XXXX Account Name : XXXX Account XXXX XXXX XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : NOT REPORTED ( Maybe XXXX  XXXX ) Account # : XXXX
Product: Credit card

On XX/XX/XXXX, I rented a car from XXXX in XXXX, XXXX with my family. I picked the car up at the airport in XXXX. On XX/XX/XXXX, the car had a flat tire. The equipment ( tire jack, etc ) to change the tire was missing from the car. We called XXXX customer support and were asked to wait for more than XXXX hours. We had to wait in the sun without access to water. I was with my XXXX old son and XXXX  parents. 

When the technician arrived to change the tire, he commented on the fact that the tires were extremely worn and in dangerous condition. The unsafe condition of the tires can be seen in the images that XXXX shared. The tires show significant wear and lack of proper maintenance over an extended period, rather than damage from our single rental of 4 days and limited use of the vehicle. 

After the tire had been changed and later in the day on XX/XX/XXXX, an XXXX representative called me and instructed me to return the vehicle early due to it being " unfit to drive. '' We returned the vehicle to the XXXX office at XXXX XXXX and were given another vehicle and returned the new rental the following day XX/XX/XXXX. 

On XX/XX/XXXX ( XX/XX/XXXX ), I was charged {$1200.00} by XXXX. The rental was originally quoted at a price of {$270.00}. 

On XX/XX/XXXX, I alerted XXXX to the incorrect charge and filed a dispute with HSBC which manages my credit card. XXXX did not respond with documentation or an invoice until XXXX XXXX 115 days after the rental occurred. 

My complaint is not about XXXX, it is about HSBC - the financial institution with which I communicate regarding credit card charges. 

HSBC told me on the phone on XX/XX/XXXX at XXXX EST that they had issued a chargeback ( credit ) for the {$960.00} charge from XXXX XXXX I had contested. HSBC claims that the {$960.00} credit was posted to my account on XX/XX/XXXX. The statement that I have enclosed here does not show the chargeback ( credit ), nor does any other HSBC statement. HSBC has shared no evidence or documentation of the chargeback. 

In XXXX, HSBC determined the XXXX charge was legitimate but did not share the documentation with me that led to their decision. On XX/XX/XXXX, XXXX agreed with my concerns about the rental and issued a credit of XXXX to my HSBC credit card. 

On XX/XX/XXXX ( XX/XX/XXXX ), HSBC posted a charge from XXXX for {$960.00} to my credit card. I made the mistake of assuming that this charge was the result of XXXX charging me incorrectly for the XXXX rental. The XX/XX/XXXX charge was not due to XXXX ; the XX/XX/XXXX charge was due to HSBC. HSBC was reversing the XX/XX/XXXX chargeback ( credit ) with a debit of the same amount. But the XX/XX/XXXX credit never occurred, so instead - due to HSBC - I have been charged an *additional* {$960.00}. 

I was charged {$1200.00} on XX/XX/XXXX and I was charged {$960.00} on XX/XX/XXXX for the same transaction. HSBC 's intent with the XX/XX/XXXX charge was to reverse a credit, but the credit was never made to my account. In summary, my credit card bill has been charged {$960.00} more than it should be, due to HSBC 's failure to properly document and execute chargebacks and manage disputes.
Product: Credit reporting or other personal consumer reports

Seriously, it's been weeks since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update them immediately in my report : XXXX XXXX Balance : {$210000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Credit card or prepaid card

American Express send a card under a wrong name I have been requested American Express to correct my name and I send them copy of the driver license passport first they didnt except it via fax I dont use envelope or stamp for a year I had to buy envelopes and stamps and still American Express failed to correct my name. 
I dont undrestsnd what they trying to achieve by making it difficult and giving me a hard time I cant use the card because it doednt have the correct name
Product: Debt collection

i notice on my credit report that i had 2 collections that was reporting that is not related to me and the credit bureaus XXXX and Equifax violated the FCRA by reporting A collection account without sending me a verification letter stating that its my debt. The collection agency XXXX XXXX XXXX XXXX XXXX violated the FDCPA pursuant ( 15 U.S. CODE 1692g - Validation of debt ) they never sent me a letter in the mail nor electroninally stating that i owe this is a violation that need to be handled
Product: Debt collection

XXXX XXXXfell hurt my XXXX. had go to emergy room. had insurance that covered my vist never notifed of this dedt. that was sold to this dedt collector. without my knowledge. now has been reported and is now affecting my score
Product: Credit card or prepaid card

They lowered my credit limit on 2 cards. I am in the process of managing my debit to credit used. By reducing the original approved credit amounts with an existing balance it reports negatively on the credit report. I am in the process of applying for a mortgage and this contributed to a lower credit score. Creditors should not be allowed to reduce your original credit limit on your CBR.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that 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 items or information which is found to be opened due to identity theft. The dispute 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 files. 
XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX CARD XXXX Balance : {$11000.00} XXXX BANK XXXX XXXX XXXX XXXX {$6000.00} XXXX BANK XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX CARD XX/XX/2021 XXXX XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

I have a BP credit card that advertises rewards for either XXXX, XXXX, or XXXX cents per gallon depending on what you purchase. I have no issues with credit when I purchase gas at a BP station, I get credit at XXXX as advertised. The issue is when I purchase other items, they either reimburse at the wrong rate or not at all. They claim a railroad ticket or a taxi is not transportation so not reimbursed at the XXXX cent rate. Also, they make it extremely difficult to match up a purchase to what was rewarded back to the customer. Purchase history is on one site and reward history on another site and of cousre there are delays in reporting. Then customer service claims they have no view into rewards, which of course is not true, if I can see it they can see it.
Product: Checking or savings account

This is my third complaint. Bank of America keeps shutting down my debit card at very inconvenient times. the only email I have received on this issue so far claimed I was making very unusual purchases. The most devastating they did was shut down my card when I attempted to use XXXX to get home from work at midnight. I 'm getting increasingly angry at them because they keep thinking they 're not even going to email me letting me know they 've done such a thing. I am making these transactions in good faith and I do n't know what right they think they have to take away my banking ability especially when I 'm relying on online Commerce to get a ride home. I try to call them and they tell me their office is closed. They need punishment if they think they can stop me from banking when I have funds but they do n't have to be available to fix the issue they have caused. They 're forcing me to carry an uncomfortable amount of cash when I 'm supposed to be able to trust them with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made payment arrangements with XXXX XXXX for my creditors. Capital one agreed to a lower payment for 2 months. They put 2 negative marks on my credit as a delinquent account. When I reached out to them, they told me it was too bad.