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

This is an attempted bank garnishment gone WRONG! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs CHASE ORDERS & amp ; XXXX  " Transaction Specialist ". There Has been mistake after mistake made by each party. 

CHASE BANK has been illegally holding funds in my personal bank account since XX/XX/XXXX. 

CHASE provided false information on their answer to the Citation to XXXX  XXXX  on XX/XX/XXXX, and again on XX/XX/XXXX. These errors have now caused my bank account to be illegally frozen twice. CHASE 'S initial answer to the citation to XXXX XXXX showed an incorrect present balance of over {$5200.00} when there was in fact only {$1200.00} in the account. 

CHASE has issued ( XX/XX/XXXX ) an amended answer to the citation with updated present balance amounts, but this new answer shows {$0.00} on hold. There was another hold placed on the account XX/XX/XXXX and the account is still frozen as of XXXX. The amended answer to the citation should show they are still holding funds, but it doesn't. 

The initial account freeze was lifted XX/XX/XXXX due to court order resulting from A {$4000.00} XXXX  exemption. 

There is A XXXX   exemption on file that is being ignored by CHASE XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They have been calling every single day every hour on the hour and its been going on for months! I have been in the XXXX  for XXXX and its been a very consistent problem for many months now! I had to buy XXXX. But I do have this number daily at least 6-7 times a day. 
( XXXX ) XXXX Its sheer harassment and I want it to STOP!
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified these hard inquiries that I know are inaccurate and should be removed.
Product: Debt collection

I had a student loan with Navient as the loan servicer. I submitted a deferment as my daughter is still in school and wouldn't have to start repayment till after graduation. Navient didn't notify me that I had any due payments till I saw my credit score and saw that the loan defaulted and was sent to collections. There was about 6-9 months where payments weren't being made as I had no notification of there being any due balance. I spoke with Navient and they had nothing to say about them not sending any emails, letters, or phone calls about being " late '' on payments. They told me it was out of their hands now and I have to deal with the collections company.
Product: Vehicle loan or lease

In XX/XX/XXXX, I was given a loan in the amount of {$19000.00} by Westlake Financial Services, for the purchase of a XXXX XXXX XXXX. This loan amount included the purchase price of the car, taxes, fees, and licensing. 

The terms of the loan were payments of {$520.00} per month for 72 months ( 8 years ) at 24.99 % interest. After I received the loan, I received calls from blocked numbers, recorded lines, and numbers with varying area codes.I received calls outside normal business hours ( past XXXX XXXX ) repeatedly. 

Ive been charged upwards of {$150.00} for insufficient funds and varying amounts for late charges including a most recent charge of {$660.00}. 

This business has been sued by the federal government and by the states of New York and California. Theyve settled in these lawsuits, but they have not changed their predatory lending practices with current clients. 

Between XX/XX/XXXX-XX/XX/XXXX, I have made XXXX in payments, double the original price of the car.If I were to complete the terms of this contract, paying {$520.00} for an additional 54 months, I will have paid a total of XXXX ( plus any other predatory lending fees ) for a XXXX car. 

The current XXXX XXXX XXXX price for this car is $ XXXX.Clearly,  Westlake Financial Services is a predatory lender. They do not act in Good Faith and their practices are not only unethical but criminal. 

I would like the contract nullified immediately, payments to cease, and I would like the pink slip of my vehicle issued to me.
Product: Debt collection

Ability Recovery Services LLC placed a negative account-bookmark on my credit report. Ability was contacted to verify debt via certified XXXX mail. Response received ; however, information was vague and bogus concerning a medical bill. First of all, it shows the exact amount of {$980.00} duplicated and charged twice possibly to collect more money for an unknown charge. Second of all, if the information is correct, the date falls during XXXX Pandemic, and XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Not just information is accurate, and Ability failed in providing a detailed information about the medical bill. The letter of response included an incorrect address and phone number for me. The letter did dot provide any itemized details of why I am billed twice for the same fake account. 
I request Ability Recovery Services LLC to delete wrong information sent to credit bureaus. These charges are fraudulent and against the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following personal information is incorrect
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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 ), 15 U.S.C.1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.5536y ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations.I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

Chime suspended my account for no reason at all and I get paid today and they are holding my funds they said suspicious activity on XXXX XXXX card I dont even have a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX ; XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX A, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I initiated a dispute with Experian about an inaccurate credit entry from XXXX XXXX XXXX ; reporting my account with them as 30 days late in XX/XX/XXXX. 
On XX/XX/XXXX, I received notice that the dispute had been resolved and the file updated. However, the only thing that updated was XX/XX/XXXX changing from " OK '' to " ND '' ( No Data ). No changes were made to XX/XX/XXXX. 
I called Experian on the evening of XX/XX/XXXX to inquire about this, and have them send me what evidence XXXX XXXX presented to verify the data was accurate. 
Initially, I spoke to XXXX. He claimed there was nothing Experian could do unless the creditor updates the information they send in. He conferenced in XXXX XXXX to ask if the data was correct. However, the XXXX XXXX rep said they are now using a new system, and he did not have access to the system they used in XX/XX/XXXX. Since my account was setup for auto-payment at the time, he said there could have been an issue with debiting and posting dates. They stopped offering auto-pay about two months after I signed up for it. 
I explained to XXXX multiple times that Experian is required to have their data reporters furnish proof of accuracy for disputed entries, and they are legally obligated to provide that proof to the consumer if the consumer asks for it. For this dispute to have been resolved, XXXX XXXX would have been required to furnish said proof. XXXX wanted to argue that they are not. 
Next, I spoke to XXXX 's supervisor, XXXX, who claimed that during a dispute, creditors are not required to submit any proof beyond what they report. He further explained the dispute process is for Experian to ask the creditor if their information is correct, and if they say it's correct, then Experian does not change it and there is no requirement for the creditor to furnish any evidence of accuracy. 
Can you imagine a judge asking a criminal, " Did you do it? ... No? ... Well then, you're free to go. '' That is essentially what Experian says is their veification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this on my credit report XXXX XXXX open date XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX  open date XX/XX/XXXX XXXX XXXX XXXX  open date XX/XX/XXXX XXXX XXXX open dateXXXX
Product: Mortgage

They are reporting negative history to my credit report for a debt they purchased from XXXX XXXX XXXX on XX/XX/XXXX. That debt was included in my Bankruptcy that was discharged in XX/XX/XXXX. It 's now showing up as a recent ( XX/XX/XXXX ) charge off. I called them directly and they referred me to their collection company XXXX to resolve an issue they never should have charged off. They never should have purchased it to begin with
Product: Student loan

At the time of my graduation from a graduate program in XXXX, the lender ( Citi ) did not have a student loan department and was using XXXX XXXX to collect payments on the loan. XXXX XXXX demanded payment for the loan on the date of my graduation on XX/XX/XXXX but did not have direct access to my promissory note, and the Citi student loan department did not have a phone or e-mail for me to contact them- the department did not exist. I attended an undergrad program fromXX/XX/XXXX-XX/XX/XXXX, post-baccalaureate program from XXXX XXXX of XXXX, and XXXX program from XX/XX/XXXX-XX/XX/XXXX. The date the loan was disbursed was XX/XX/XXXX. The promissory note states I am entitled to a period of deferment of 6 months for undergraduate school AND graduate school, not to exceed a total duration from the disbursement date of the loan of 10 years plus 6 months for graduate AND 4 years plus 6 months from graduate school. By sending the loan to collections on XX/XX/XXXX, Citi student loans failed to honor the 6 months of deferment after graduation from a graduate program and failed to honor the 10 year plus 6 month maximum amount of time for interim period/deferment period for undergrad and 4 years plus 6 months of interim period for graduate program. 

The loan is currently in collections. I sent an email to Citi XX/XX/XXXX asking for clarification and received an automatic reply stating there are increased processing times due to COVID. I also left a voicemail on XX/XX/XXXX. On XX/XX/XXXX, I missed a call from a XXXX from Citi student loans department. He did not leave a return phone number so I sent ANOTHER email response and left another voicemail. I did not receive any responses via email. I got another return call from Citi about 1 week after my call on XX/XX/XXXX. The loan agent explained that I used all my deferment and was not eligible for the 6 month grace period after graduation from a graduate program. Upon further review, I have found this information directly contradicts the details in my promissory note. Again, I have e-mailed and left a voicemail for Citi student loan department today XX/XX/XXXX. 

This loan should NOT be in collections evidenced by wording in my promissory note, the unavailability of the Citi student loan department from XXXX when the loan was sent to collections, and the inability of XXXX XXXX ( the servicer acting on behalf of Citibank student loans ) to view or explain any details of my promissory note. Discussion with XXXX XXXX today confirms that XXXX XXXX still does not have access to my promissory note and can not provide guidance as to my deferment or grace periods. 

I would like an expedient resolution to this matter, as Citibank did not honor the details of the contract and is unwilling to rectify the situation. Multiple attempts to contact Citi via email have failed and the only way to discuss with a Citi agent is to leave a voicemail and wait up to a week for them to return the call. There is a serious lack of communication from Citibank and their resolution/explanation of the issue is inaccurate and inadequate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent an amount of {$300.00} to my account in XXXX and my bank did not accept the transaction so I requested a refund to Western Union, the same day they confirmed the refund and informed me that in 7 business days would be available on my account but after that time determined by themselves the value was not available on my account.

I returned contact with the bank and they apologized and informed me that in 2 4 hours would be available, and since then I contact them EVERY DAY, for more than a month, and they always inform me that in 24 hours will be available and it never is. Last Sunday XX/XX/XXXX I was informed of a withdrawal number in which I could go to any Western Union closest to my house and withdraw the money, but I was informed that there was no withdrawal available for that number. Every time I contact them, they ask me what my relationship was with the person who sent the money, even though I said it was myself. They can't solve my problem and I've been trying to get my money back for more than 1 month, which should only be 7 business days and they give me no positioning as to when I can withdraw this money because every time I contact they tell me that in 24 hours someone will contact me and no one will contact me.They said they were going to call me but they called me once but i said couldnt talk as i as working and they never called me back.
Product: Mortgage

Citizens One Home Loans is refusing to review documentation I sent them proving my financial hardship is over and blatantly lying to me, and the department of housing and urban development. 

Their loss mitigation team claims the PDF 's I sent them are " password protected. '' I CC 'd a local branch manager on the email I used to submit them. 

I went into the branch today and he opened them in front of me at the bank today. They were not in fact password protected. 

I called loss mitigation on a recorded line with a Housing and Urban Development Counselor and we phoned in the branch manager, asking if they had a fax machine I could fax these documents on. 

There is a recording of the branch manager saying the documents were not password protected, and the call center employee saying his back end team could not review the SAME documents because they were " password protected '' It is not possible for the three PDF 's to be both " password protected '' and not " password protected at the same time '' They have been lying to me and giving me the run around for 12 months now. I have been calling loss mitigation non-stop and they give me a new scripted excuse as to why no one is capable of taking 15 minutes to review my file.

I am going into citizens bank tomorrow to fax these documents to the five fax numbers I was given today, but I have no reason to believe they will actually admit to receiving these documents, since I have uploaded them eight times on both their website and email over the last year and every time I call there is a new excuse for why they are unable to give me any information. 

This is organized white collar crime, they are holding my mortgage XXXX  and this needs to end. I will be filing a much more detailed complaint later this week. I need help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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

Equifax was been hacked in XXXX XXXX, continuing through XX/XX/XXXX, and they did n't find out until the end of XX/XX/XXXX, and then did n't notify me ( or other consumers ) that our data was likely compromised.
Product: Credit reporting or other personal consumer reports

These accounts have been reporting on my report and has given me so much stress for the past months. All I ask of you is to verify whether or not these accounts belongs to me, because its inaccuracies have been affecting my credit scores and have deprived me off of my financial opportunities- which deprives me just as much of my dreams.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received my XXXX billing statement from Service Finance Company LLC I contacted their call center and asked for the payoff amount of my account and was told it was XXXX. I paid the full amount of XXXX through my online XXXX XXXX XXXX XXXX Account. Being that it was such a large amount the payment didnt clear until XX/XX/2020. Then in XXXX I received two statements XXXX was dated XX/XX/2020 and the other was dated XX/XX/2020 with a due date of XX/XX/2020 and a due date of XX/XX/2020 which stated total past due XXXX, total current due XXXX. On the bottom portion of both statements it stated that nothing was due. Both the statements read Principal XXXX and Interest XXXX on the far-right Column it read as follows Principal XXXX and Ending balance current Principal of {$22.00}. So, to air in the side of caution I went online again and paid the {$22.00}. Then a few weeks ago I received a letter from Service Finance stating that my account was paid in full as of XX/XX/2020. Over this past weekend XX/XX/2020 I received a notice from XXXX XXXX that my account is 30 days past due and that I have an outstanding balance of {$20.00}. I contacted the company several times but they insisted that the account was past due by 51 days. I dont understand how this could have happened and I was told by one of their employees that I would be receiving a refund check in the mail for over payment of the account. How could I be late and have a outstanding balance if I am receiving a refund from the company. I told them that I am very disappointed on how this is being handled and not only that when most companies are helping people through hardship in a time with the Covid 19 pandemic Service Finance has destroyed my good credit. My credit sore went down XXXX points I asked politely for some kind of help in this manner with the credit bureau and I was pushed aside and was told that they could not help me in this matter. I sent them a certified letter with copies of all my statements and they still wouldn't help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Insurance XXXX XXXX XXXX XXXX. XXXX, XXXX a property loan XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, an energy bill XXXX XXXX FLORIDA XX/XX/XXXX. An secured card XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. A XXXX credit card XXXX XXXX XXXX XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX someone logged into my WellsFargo online banking. 

There were four accounts : " XXXX '' : XXXX  usage in last 4 years, {$40.00} balance. 
" Business Checking '' : Minimal usage ( 3-4 transactions a month ), $ XXXX balance " Business Credit card '' Credit limit XXXX used {$1500.00} " Business line of credit '' Credit Limit XXXX used XXXX on XX/XX/XXXX there were 10 transactions. 

4 from " Business line of Credit '' account. 
Transactions were in amounts of {$990.00}, XXXX, XXXX, etc 6 from " XXXX '' account, however since it had no money, the overdraft protection kicked in and charged the transactions to the credit card. ( same transaction size pattern as above ) All transactions were made using " Bill Pay '' feature, 6 payments were made to account called " XXXX XXXX XXXX XXXX XXXX '' ( i don't & haven't had XXXX accounts in >20 years ). 
4 payments went to " XXXX XXXX '' account. 

Total withdrawn : XXXX Multiple calls, MANY HOURS of speaking with rep after rep asking to speak with someone with decision making authority, Wells Fargo replies with : " We deny the claim. based on our research the transactions were made through secure online session by you or someone who had your authority. Based on this information, we determined the transactions were authorized. '' I dont know what to do as I cant take responsibility for XXXX stolen from WellsFargo via loans using my online account access. 

No one had access to my home or my computer, if someone did, they certainly knew their way around payments and thresholds ( {$990.00}, {$990.00}, etc ) not to trigger any alarms.. I mean what are the odds someone would wait for me to leave & break into my house. 

Saying " we didn't find any unauthorized access, so it must be you '' is a terrible answer..it simply means YOUR TEAM didnt FIND it.. The occurrence is a FACT 6 payments to same payee, 5 min apart, all just a few cents under XXXX 
From accounts that haven't been used in years, VIA OVERDRAFT Account.. 
Immediately followed by 4 payments to different payee, using same tactic ^ If THAT doesn't set off any alarms and doesn't OBVIOUSLY look like fraud, I don't know what does