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

On XX/XX/XXXX I deposited a cashiers check at Chase Bank for XXXX. 

On XX/XX/XXXX I called to see if it cleared and the hold could be lifted. Was told no, because the maker of the check had bounced checks recently. 

I asked if I should call XXXX XXXX XXXX XXXX to make sure funds were good since I released my boat and all legal paperwork to the buyer when I received a cashiers check. 
Was told there was no need to contact them because it was just a Chase Bank hold. 

On XX/XX/XXXX I learn that a stop payment had been placed and the cashiers check was returned. 

I've been unable to reach the buyer, I can't talk to anyone at XXXX XXXX XXXX XXXX when I call their customer service number. 

The only reason I released my boat is because I received a cashiers check via XXXX and my bank Chase accepted the deposit I made in the branch. 

The fact that Chase told me not to call XXXX XXXX XXXX XXXX caused me to lose 3 days that I might have been able to find the buyer. 

Now, I'm stuck with no boat and no money for my boat. 

Chase and/or XXXX XXXX XXXX XXXX need to honor their cashiers check. It's supposed to be the same as cash. How can Chase allow a stop payment?
Product: Student loan

Navient Student L oans created obstacles to my repayment by providing bad information and illegally cheated me out of their rights to lower payments, which caused them to overpay for their student loans.
Product: Mortgage

I applied for a loan modification three times starting in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and was never aproved..I was never informed as the reason, I called them every month to let them know that it was getting harder for me to make payments since my wife had lost her job.InXX/XX/XXXX JPMorgan Chase sent me a loan modification and asked me to sign it, even thou I didnt like the content of the loan they added XXXX to it so I signed it, because they told me over the phone that if I didnt sign it they would start forcloser procedings.At no time has JPMorganChase Taken any action to resolve this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account : XXXX ( Debt Amount : {$130.00} ) and XXXX XXXX XXXX Account : XXXX ( Supporting Documents will be included with this complaint. ) I began the process of securing a low-income loan in XX/XX/2022. When my credit report was checked, it revealed an old debt I owed to XXXX XXXX in the amount of {$130.00}, which I had forgotten. I contacted XXXX XXXX XXXX ( XXXX ) to inquire about paying it off and removing it from my credit report. They ( XXXX ) told me what I must do, so I paid it off at the time of this phone call with their representative by using my debit card on XX/XX/2022. XXXX told me that once they received notification from XXXX XXXX that they received the money, the debt was paid in full, and I had a XXXX balance on my account, it would be removed. However, it remains on my credit report. 

XXXX credit reporting agency ( XXXX ) did receive notification that XXXX XXXX had received the money and removed it from my credit report within two weeks. However, TransUnion and XXXX continue to show this debt on my credit report. Today, I spoke with XXXX 's representative, who told me they notified all three credit reporting agencies that the debt was paid off and to remove it from my credit report. 

However, when I spoke with representatives of XXXX, they stated they had not received any notification from XXXX. I have not been able to get through to a representative with TransUnion. When I tried contacting a TransUnion representative, I received a recording asking for my personal information to pull up my account. I was told my information was incorrect twice, and the call was automatically disconnected. I have been unable to reach anyone with TransUnion, although I have tried. Someone has dropped the ball somewhere in this montage of a mess between XXXX, XXXX, and TransUnion. This needs to be cleared up and removed from my credit report through XXXX and Transunion.
Product: Debt collection

They call now less than 7 times a day. I asked them to stop calling and if they could please mail me any information and they refuse. They insist I discuss the matter over the phone at that moment. Other than the name of the company convergent I dont know who they are and to my knowledge I have never had an account with that company
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern and frustration regarding the deactivation of my account. This action was taken due to an issue involving my driver 's license and background check compliance, which has now been FULLY resolved. However, despite my numerous attempts to rectify the situation and restore access to my account, I have been met with nothing but disappointment and discouragement. It is disheartening to inform you that, even after filing two 3 appeals, my account remains deactivated without any sign of reactivation. this unjust and prolonged suspension has caused significant inconvenience, distress, and complete loss of valuable income. I want to emphasize that the compliance issue with my driver 's license and background check has been addressed and resolved. Therefore, it is only fair that I am granted the opportunity to regain access to my account, which I have come to rely upon for income.I implore you CHECKR and XXXX to understand the gravity of this situation and the impact it has had on my daily life. Not only have I been unable to utilize the services and benefits that your esteemed company offers, but I have also experienced undue hardships in managing essential tasks that are directly linked to my account as well as a complete loss of income due to the deactivation. With the utmost urgency, I kindly request CHECKR & XXXX immediate attention to this matter. I sincerely hope that dashboard can empathize with my predicament and realize the importance of promptly reinstating my account. Doing so would not only demonstrate your commitment to driver satisfaction but also restore my faith in the integrity of the XXXX or any other platform. I eagerly await CHECKR & XXXX swift response, accompanied by the FULL reinstatement of my driver dasher account. Thank you for your understanding and cooperation with this matter.
Product: Consumer Loan

I *love* my new car - a XXXX XXXX XXXX , a fantastic value and wonderful service at the dealership. However, I *don't* love my GM Financial billing statement which does not readily and easily display pertinent auto loan information. Nothing is " at a glance. '' The statement does not include 1 ) the interest rate ( it shows the monthly charge and what I PAY for interest - but not the APR ) ( 2 ) No structured " payoff '' amounts ( like credit card statements do : e.g. " If you pay {$300.00} a month, this will be paid off in x months ; If you pay {$350.00}, it will be paid off in x months. '' ) I think these statements are deliberately misleading to the consumers and need to be revamped to resemble the newer credit card statements where everything is " out there '' for the consumer. Thank you. My auto loan is # XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I see innate information being reported. It is incorrect and doesn't belong to me. Please remove addresses that do not belong, phone numbers as well to reflect correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Last XXXX of XXXX XXXX, Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ) an account at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under account number XXXX an account at XXXXXXXX XXXX opened XXXX XX/XX/XXXX XXXX account number XXXX an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX. An account at XXXX opened on XX/XX/XXXX under account number XXXX. An account at XXXX opened XXXX XX/XX/XXXX under account number XXXX. An account at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. An auto loan account at XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. Hard inquiries such as XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 & 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: Debt collection

This is regarding a debt that Convergent Outsourcing Inc. in XXXX Washington XXXX sent to my XXXX year old mother she says she don't know what it is they say maybe debt fromXX/XX/XXXX XXXX?? not clear. acct # XXXX. in amount of XXXX. They sent this to her on XX/XX/XXXX and after seeing this scompany on many scam reports we have donr nothing but contact you and XXXX because there is nothing about this on her credit report. And we also placed a fraud alert on her credit report.
Product: Credit reporting or other personal consumer reports

There were two Navy Federal credit cards reported on my credit. I reached out to Navy Federal and advised they were open as a result of identity theft. An ex-boyfriend had access to my account and personal information and opened the credit cards in my name. I advised this to Navy Federal Credit Union but they didn't remove the account, they said they were not fraud.

Even though I was not the person who opened the accounts I still felt obligated to pay off the account because they used my information and I wanted to maintain a good relationship with Navy Federal Credit Union. I paid all of the balances in full, I did not settle. 

I paid all of the credit cards in full but they are still being reported on my XXXX report as a CO, and is the only account on my credit report that's negative. This needs to be corrected. 

This item being negatively reported to my XXXX report is preventing me from getting approved for other accounts and or credit cards. I currently have a great relationship with Navu Federal Credit Union and I want to maintain that great relationship.
Product: Credit card or prepaid card

I registered with opt-out pre-screen. I asked for a full opt-out permanent removal from credit solicitations to my address. Amercian Express still continues to send credit card promotions to my address. i attempted to fill out the application and i was asked for all my information and social security and then was denied for the card.
Product: Money transfer, virtual currency, or money service

I am fillings complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with their error resolution requirements under the Electronic fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these actions.
Product: Credit reporting or other personal consumer reports

Called creditor in XXXX of 2024 and paid balance in full. Was told that this will be reported as paid to the credit bureau on XX/XX/year>. 
2 disputes filed with Transunion in XX/XX/year>. Results show account verified and accurate. Contacted creditor twice to confirm account is paid in full and this was reported to Transunion. was advised to file another dispute. Called Transunion in XXXX and filed a dispute over the phone. Included copy of paid receipt from creditor. Received notification via mail on XX/XX/year> that account was verified and accurate. Again I called the creditor and confirmed this was paid in full and reported to Transunion on XX/XX/year>. advised to file another dispute.
Product: Debt collection

I submitted several payments to Chase Bank for this credit card balance and they have been ignored. The company did not disclose the following : I. Full disclosure of my right to rescind ; Consumers right to rescind ( 12 CFR 1026.15 ) II. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. Disclosure the agreement was a consumer credit transaction and allows for consumer protection when it involves a primary dwelling ; IV. Failure to disclose Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ; ( 16 CFR 433.2 ) V. Failure to disclose that nonpublic personal information will be shared with a nonaffiliated third party ; I rescinded the consumer credit agreement and tendered a final payment for full settlement of the account. The company is still attempting to collect the debt.

In addition to these violations they are in violation of 15 USC 1692 on the way they are communicating the debt as a debt collector.
Product: Vehicle loan or lease

Stole a $ XXXX security credit application from a consumer XXXX XXXX that was submitted for a consumer credit transaction by XXXX XXXX to purchase an automobile and was then denied transfer of funds to purchase automobile. New York XXXX is the indentured trustee to XXXX XXXX and is in breach of fiduciary duty by denying the credit sale and keeping the security from the application. Violating equal credit opportunity act, federal reserve act section 16 part 1 and 2, and committing securities fraud by keeping the security without the transfer of the funds in which the application was submitted for. Application number XXXX
Product: Checking or savings account

To whom it may concern I've been a wells Fargo customer for over 7 years I filled a dispute on my account in regards to XXXX not giving me access to my account I've tried multiple times to contact XXXX after XXXX who stated that my account was locked and that funds can only be used on there platform and could not be withdrawn by any means which I have proof of screenshots that I provided to Wells Fargo as requested by numerous Wells Fargo representative who ask me to send proof of transactions so they may dispute transactions as listed {$2500.00}, {$4600.00}, {$6000.00}, {$8100.00} ive spoken to many wells Fargo representatives a few who agreed to come to resolution because i provided everything as requested. My Biggest Red Flag with Wells Fargo was when I recently spoke with a representative by the name of XXXX who was great as XXXX was reading over the notes which was left by the other Wells Fargo representatives XXXX stated that XXXX stated that she spoke with me over the phone and due to that interaction the claim was decline, As I spoke with XXXX I immediately corrected the false information XXXX made false accusations on my behalf stating that she spoke with me which was false when XXXX Confronted the other Wells Fargo Representative she immediately corrected her wrong doing which she did not truly speak to me over the phone, I Am truly hurt by this because here you have my over {$21000.00} on the line which Wells Fargo promises to conduct a proper investigation with integrity I believe Wells Fargo is not assisting as promised I find it extremely upsetting that a representative by the name Of XXXX who i never spoke with would Lie and stat that we had conversation This is a Lot of money to lose for a Professional to lie just to not dispute a case Please help because that's illegal everything is recorded as when I spoke to XXXX wells Fargo representative
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the account and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent account and inquiries are as follows : Account : 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX try to take money from my account XXXX XXXX for the insurance of my vehicle I notify my Broker that I change insurance on XX/XX/XXXX change to XXXX. 
Time passed by and on XXXX my credit score drops XXXX points for a XXXX  XXXX, call them and told them what happened and they said pay XXXX dollars and then we process a refund and we are good. they process a refund just for XXXX claiming that some little fees but we are good, they reported on my credid account paid on XX/XX/XXXX, but didn't delete the account even after I show them I never owe them because I had insurance since XX/XX/XXXX and they try to collect money XX/XX/XXXX. 
Ive been calling and asking to get this account removed because I want to get a house and I cant get a conventional loan because of that negative account in my credit. I need help.
Product: Credit reporting or other personal consumer reports

This company have violated my federally protected consumer rights. They have violated my privacy. I have went ahead and filed a complaint with the Department of State with New York State.

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 1681 section 602 A. States I have the right to privacy U. S. Code 1666b states that a consumer reporting agency should not treat any payment under a credit account as late for any purpose.
Product: Debt collection

Here is the email that I sent to Wells Fargo, including the CEO, as well as the NJ Attorney General Hello Im increasing the audience as a sign of my level of desperation to avoid financial catastrophe. Please help?! I had a business credit card under the name XXXX XXXX ending in XXXX. I was dealing with a hardship which caused the payments to go overdue which caused the account to close. I was told that the card was charged off during my last conversation almost a year ago. I have been prepared to deal with a collection agency, since that what happens when a consumer is informed that an account has been charged off. 

I just was shocked and devastated to see that my personal checking account was just " robbed '' of over {$12000.00} overnight. I called around frantically, and spoke to a XXXX in your XXXX Collections department. She informed me that the account was " charged off but the bank still had the right to go into my personal account '' and just take the money. 

She was trying to explain to me that there were attempts to call and letters sent informing me of the " payment demand letter '. She kept reiterating that the bank kept calling me at XXXX and sending mail to XXXX XXXX XXXX, XXXX, NJ, which was the original info when I 1st applied for the card. I explained to her that that info was not used in over a year. She kept saying that's the only method the bank had to contact me. 

I further stated to her that if you had my personal account details since you went and took the money out ( which has now placed me in a major situation with the IRS, since this money was on the way to them ), why didn't the effort to contact me go to my personal phone number and mailing address. She kept repeating herself instead of answering my question. Then she tried to say at the end " oh we called XXXX '' after stating for 10 minutes straight that they're responsibility is only to call the number and address linked to the charged off account. Now common sense would say that if no response was received for something so important, that a deduction would have led to the effort to contact my personal details since they had to be known since the personal checking account was violated with me being properly notified. 

So when I called her on contradicting herself, she simply just stopped engaging and just kept repeating the same thing over and over. 

Bottom line is that I need this money put back into my account asap before i run into an irreversible situation with the IRS. Now if the account is not actually " charged off '' I'm more than willing to make payment arrangements to pay down the debt. If it is actually " charged off '' then Wells Fargo needs to update their records accordingly and I will work with the collection agent to whom you have written the balance off. 

I am in dire need of an immediate resolution as I need to have my IRS account settled by this weekend.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries below are suspicious to me. Please look into it and remove the unauthorized inquiries. 

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

Experian is incorrectly reporting a Chapter XXXX Bankruptcy and a Chapter XXXX Bankruptcy on my credit report. They are claiming the bankruptcies to be " updated/verified '' and therefore will not remove them. I have a letter from the United States Bankruptcy Court District of Oregon 's Chief Deputy Clerk, stating, " Ms. XXXX, The Bankruptcy Court does not report to the credit reporting agencies and has no control over the credit reporting agencies. '' ( see attached docs ) I have a security freeze and an opt-out/suppression in place with XXXX XXXX ( see attached docs ) which legally forbids them from reporting any of my information to all 3 Credit Bureau Reporting Agencies, and any other third party Agencies/Creditors. I also attached Security Freeze & Opt-out Suppression Documents from XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ), & XXXX. Please instruct Experian to remove the Discharged Ch-XXXX Bankruptcy, ID # XXXX, Date Filed XX/XX/XXXX, Date Resolved XX/XX/XXXX ; Please instruct Experian to remove the Dismissed Ch XXXX Bankruptcy, ID # XXXX, Date Filed XX/XX/XXXX, Date Resolved XX/XX/XXXX ; as these items/information are inaccurate, unverifiable or unfair as per FCRA Section 611 ( a ) ( 1 ) ( A ). 
Thank you.