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

Hello. My claim refers to two transactions made through XXXX from the bank Chase that ended up in the wrong hands for reasons beyond my control and has resulted in money lost without response. 
It happened as explained : I have check accounts with XXXX XXXX and chase. In XXXX XXXX I had XXXX configured with my phone number, with chase XXXX used my email. On XX/XX/XXXX I changed my phone number on XXXX  for scam call harassment. 3 days later XX/XX/XXXX I updated my information on the XXXX XXXX website by putting my new phone number. I made a transaction of XXXX using XXXX from chase as I usually do, using my new number and trusting that everything was fine. The next day XXXX my wife calls me saying there was not enough money in the joint XXXX XXXX account and I send XXXX more and then I verify and surprise : no transaction ever arrived. Quickly from my work center I call chase and XXXX XXXX to get an answer and they tell me that it can not be canceled. 
I personally went to both banks and they just told me that that phone number was anchored to the previous owner of the number in the XXXX XXXX XXXX.I called XXXX  and they tell me that number had not been used for months.I updated my profile in XXXX XXXX on time, as it was possible that? It turns out that although your data is correctly updated in the profile in the XXXX XXXX system, you can not register that phone in XXXX if it is anchored to another bank. But chase having been informed of the problem to try to give quick solution like cancellation or something, never did anything, and the money was mine and left chase at the wrong hands. I made a claim in Chase with number XXXX, they washed their hands passing the claim to XXXX with number XXXX tried to communicate with the customer service in XXXX and it is  impossible to reach because they always refer you to your banking institution. And I have not even received any answer by email from them just total silence. 
Yesterday, XX/XX/XXXX, after several attempts to recover my money I have called to Chase and they tell me that the back office tried to recover the money from the XXXX  XXXX XXXX and it was not possible. So simple as that.This shows that the XXXX system is not at all safe but also demonstrates the incompetence of a bank as Chase to fairly solve a situation that I was not guilty of, Because simply I did everything I had to do at the time I used my own phone number, update my information as required and so and all the money has been lost. That's why I ask for a refund of my money to Chase, as it should be.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The XXXX 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 deleted. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit card or prepaid card

I've had a XXXX XXXX XXXX credit card for several years. I made a purchase for {$23.00} on XX/XX/XXXX. In XX/XX/XXXX, I discovered I was a couple days late making my payment and called their customer service on XX/XX/XXXX. The representative said as a one-time courtesy, they would remove the late fee of {$23.00} plus {$1.00} interest from my account if I made my payment right away. I made my payment of {$23.00} on-line, and trusted that the issue was resolved that day. 

I routinely pay my credit card balance in full, and I received no correspondence ( mail, email, or phone ) about the late fee NOT being reversed as was promised. Because the representative had not reversed the fee, I discovered today ( XX/XX/XXXX ) that after I paid my balance, not only was the late fee/interest not reversed, but I was charged {$24.00} on XX/XX/XXXX plus interest and {$29.00} plus interest on XX/XX/XXXX. The total in late fees and interest is now a balance of {$81.00}, even after my balance of {$23.00} was fully paid on XX/XX/XXXX. This does not seem fair or accurate to me, as the customer. 

I believe the company allowed these late fees and interest rates to compound, without contacting me by phone or email, as it is to their advantage to charge the customer more. This is completely unethical. I have had a consistently high credit rating, and trusted that this issue would be resolved by calling XXXX XXXX today -- however, they wish for me to submit information to their billing dispute department to resolve this. 

The issue at the heart of this is that their representative didn't follow through with what she promised, and now I'm required to prove this. This should not be left to me as the consumer to correct -- the company needs to take responsibility for this failure of follow-through.
Product: Mortgage

I have automatic withdrawal from my bank ( XXXX XXXX - XXXX  ) to Bank of America for my home mortgage. XXXX XXXX  confirms all payments made, but XXXX XXXX  sent a ( XXXX  ) letter saying payments not received for two months. They don't answer phone. System does not work. I called. No help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$8700.00} DPT ED/XXXX XXXX {$15000.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX {$9300.00} XXXX XXXX {$99.00} XXXX  XXXX XXXX {$3100.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> American Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Dispute of Late Payment - Request for Deletion Account Number : XXXX I am writing to formally dispute the late payment reported on my credit file for the account referenced above. 
According to my records and the information I have reviewed, this entry is inaccurate, and I believe it does not comply with the requirements set forth in the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 USC 1681b** , which mandates that only accurate, complete, and up-to-date information be included in credi reports. 
Under this statute, creditors and credit reporting agencies are prohibited from reporting information that is inaccurate or outdated. This inaccurate late payment has been reported on my account, and I request that you update payment history as agreed never late ( PAANL ) Details of the dispute : - The late payment entry in question appears on XX/XX/year>, XX/XX/year>, XX/XX/year>- I have always made timely payments on this account, and I can provide supporting documentation, including bank statements and payment confirmation, to verify that this was an error. 
I agent hihat you ardue thate up inestiny credit epis mater, and based on the evidence, update Please notify me of the results of your investigation within the timeframe specified by the Fair Credit Reporting Act. If you need further information or documentation to assist in resolving this matter, do not hesitate to contact me. 
Thank you for your prompt attention to this matter. I look forward to your written response confirming the correction or deletion of the late payment entry from my credit report. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I received a check from an individual and that check was drawn against a bank of america checking account. There was uncertainty if the funds would be available to cover the check, so instead of depositing at my bank and risking a NSF draft fee I took the check to bank of america. Being it was there check it was my belief they would honor their own check and cash the check being drawn on their account. Bank of america charges {$8.00} fee to cash a personal check drawn on an account at their bank. As a federally insured financial institution it they should not be allowed to charge for cashing personal checks drawn on account at their bank. The only way to avoid the fee is open an account with bank of america which requires agreeing to a credit check.
Product: Credit reporting or other personal consumer reports

They are reporting multiple different balances and account status. My account in their system says I don't have a payment due for XXXX days but they are reporting it to the credit bureau as late. They were reporting a balance of {$8300.00} even after my balance was {$3600.00}. They are preventing me from getting a new auto loan. I'v been to multiple dealers and have been turned away because it was showing I owed 77 % on this loan until yesterday. Then on XX/XX/24 it was reported I have a late payment.
Product: Checking or savings account

On XX/XX/XXXX, I reached out to Coinbase ( crypto  exchange ) in regards to my account being locked. Coinbase reps advised I would receive a response in 24-48 hours. Never received one. Reached out again a week later, was advised the specialist team would reach out in 6 days. 9 days later, no response, so I followed up again. Received a generic ( bot ) response advising I wait another 6 days, so I reached back out 7 days later, just to receive the same response, again. This communication pattern continued. It is now XX/XX/2022 ( almost THREE months after my initial request ) and I have yet to receive any update in regards to my hard earned funds that are locked within Coinbase. I am not allowed to withdrawal, buy or sell any of my assets because they have locked my account for unknown reasons. I have even tried reaching out via social media and have chatted with 10+ representatives who all give me the same response a specialist is working on your account. I am utterly shocked, disappointed and distraught about this entire experience, especially from arguably the largest and most well-know crypto exchange ( Coinbase ) who just recently IPOd! 

I am simply looking for someone to HELP me access MY funds ( thousands!! ) and assets that are tied up and in THEIR possession. I have been rational and patient but at this point I feel like my messages and emails are getting me nowhere. PLEASE help. Thank you!
Product: Mortgage

because of covid I fell behind in my mortgage payments in XX/XX/2020. I started to work with my mortgage company on a plan to help. finally in XXXX they gave me a forbearance but for only a month. I sent them a payment and it was returned to me. I find out that they had sold my mortgage to s & n servicing and it had to start whole process over. right around this time I went to doctor for checkup and her saw a strange XXXX on my XXXX. it turned out to be XXXX and it had XXXX  XXXX to remove it and then XXXX to be sure. this fall effected my work once again. I have been sending info fir months to s & n and they finally sent me a proposal at beginning if XXXX XXXX there offer is to increase my payment from {$1000.00} to {$1700.00} and increase my interest rate from 3 to 4.5 even though interest rates are at and all time low. I fell like they are talking advantage of me because I dont have a middle man negotiating for me. this payment would take up more than half of my income. what can I do?
Product: Mortgage

- I am in the pr
ocess of relocating, and have been paying my bills on-line. My mortgage with Seterus has always been paid on time, I have no financial difficulties, and on only one occasion has it been paid within the 15-day grace period ( my most recent payment ).
Seterus processes its payments through a XXXX XXXX site via a pop-up that bypasses any need for, or inclusion of, a XXXX XXXX account. Last month 's payment did not process, an Electronic Funds Transfer " bounced '' and, in spite of the fact that both XXXX XXXX and Seterus have my phone email address, and Seterus also has my phone number and current home address, nobody called me to notify me of the issue. Instead, Seterus sent me a form letter via mail that got to me two days before the grace period ended. My attempts to talk to both XXXX XXXX and Seterus were a waste of my time.
On multiple occasions, when trying to access the payment utility on the Seterus web-site, I have gotten caught in a software loop that will not advance me to the payment page. I have also had their web-site crash multiple times when trying to use it.
Today is XX/XX/XXXX, and I made my payment due XX/XX/XXXX last night. I checked my bank account today at XXXX, and the payment has still not processed. Seterus says to allow 24 hours for payments to process. I have 6 USPS days till my payment is due, if the money still has n't been transferred from my bank account by tomorrow XXXX, I will have to mail my payment, and it may not arrive on time.
There is NO email address for Seterus ' customer service on their website.
I got my mortgage with XXXX because their policy was to NOT sell their mortgages ... and my mortgage was sold to this company which acts like they do n't want my money.
Product: Debt collection

Schreiber Law , LLC contacted me via phone on XX/XX/2020 at XXXX. A message was left by a " XXXX XXXX '' requesting a call back. The call came from XXXX. The call back number provided was XXXX. Both numbers are associated with Schreiber Law. I have the message save and can provide upon request. 
The next communication I received from Schreiber Law was a letter dated XX/XX/2020, advising they represent the current creditor, XXXX XXXX XXXX XXXX as an assignee of XXXX XXXX XXXX An incomplete account number was provided. Schreiber LAw referenced their file number XXXX. 
This is a blatant and brazen violation of the Fair Debt Collection Practices Act 15 U.S.C. 1692g ( a ), as Schreiber Law was required to send Notice of debt/contents within 5 DAYS of the XX/XX/2020 phone call. 
This is clearly unfair and deceptive communication tactics of an alleged debt not proven to be owed by me, or owned by the current creditor, or legally collectible.
Product: Credit reporting or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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
Product: Money transfer, virtual currency, or money service

I had a balance of {$300.00} in Cash app. I had my bank ( XXXX ) linked to my Cash app account. On XX/XX/XXXX I initiated an " instant transfer '' from the Cash App to the XXXX account. The money never arrived. According to XXXX there is no record of any transaction whatsoever. I asked Cash App support to check into where the money went. They concluded the transfer completed with no errors and there were no problems on their end. They closed the investigation. XXXX continues to tell me there is no such transaction for XX/XX/XXXX. I removed my XXXX bank link from Cash App and then tried to restore it, thinking that might fix this issue. I get a message saying " XXXX to Cash App links are not supported '' so apparently there are known issues between the two. I can not re-establish a link, which may be why my money is in limbo and hasn't come back
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report several fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXXr on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws
Product: Credit reporting or other personal consumer reports

I have some address on my account that do not belong to me showing on my file. I live at XXXX XXXX XXXX XXXX OH XXXX. 
Please delete the following unknown addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an updated copy of my XXXX credit report. They have an account that I have been disputing " XXXX XXXX XXXX XXXX " it is showing as an adverse account and is reporting as " account included in bankruptcy '' I NEVER filed for bankruptcy this information is completely wrong. I am submitting this complaint about XXXX because I have been asking them to please correct this wrong false information and remove it off my report. I 'm getting nowhere. Bankruptcy should not be reporting when I never filed for chapter XXXX nor chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department store that reported the negative activity to my credit file claims and denies having any information on me and says that the responsibility is on the credit reporting agency. When I asked how the credit reporting agencies got their information, I was told they got their information from the creditor. But the creditor has no information on me at all? 

So it definitely appears that there is a situation of fraud and false testimony in this situation. 

I want to know why a major department store that has their brand of credit card issued and underwritten by a major bank can report negative comments on a person 's consumer credit report, when the person doesn't have a credit account with that department store or the bank, and then claim they have no information on the person, and then refuse to contact the credit reporting agencies to have the fraudulent information removed. 

When I am the victim of credit fraud committed by a department store/bank, why is it my responsibility to do everything to correct the problem when they can not provide any proof of any credit history with them?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has a collection / charged off account listed on my credit report that is an account associated solely with my XXXX year old son. I have never been on the credit card with him neither cosigned nor used the his card. Both my son and I have unsuccessfully attempted to contact WF to remove this from my report to no avail.
Product: Credit card or prepaid card

My wells fargo rewrads credit card was closed, Wells fargo forfeited my Go Far rewards points ( about XXXX ), after several calls to wells fargo, they said there was nothing they can help me with.
Product: Credit reporting or other personal consumer reports

FEB/DESTINY is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX, XXXX XXXX XXXXXXXX
Product: Debt collection

My contract with XXXX was completed and I did not want to renew my service with them because of the rate increase. I sent the equipment back. Later I was charge {$250.00}. because I did not renew with them, I spoke with this company on numerous occasions to have this error corrected, but was not able to get this resolved. I filed a complaint with FTC about this issue and the numerous different collection agencies that keep reporting it to the credit reporting agencies. It will be removed when I file the compliant then another debt collection agency will file in the credit system. This is an on going cycle and I am requesting to have debt error removed permanently from my credit. As a responsible consumer I feel this a bulling tactic from this organization ( XXXX XXXX XXXX ) when they can not get their way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX-17 I noticed that account that were discharged in bankruptcy were still showing on my credit report. I no long wish for my personal information to be available through XXXX XXXX, Equifax, XXXX please opt me out of any and all commercial services available to the public or Third party companies. The following companies and information is list in error on my credit report : XXXX XXXX XXXX # XXXX, Please delete error. This account XXXX XXXX # XXXX was in a Bankruptcy please delete error. I was under the impression that bankruptcy information and date was being removed from credit reports if that can be updated that would be great so I can refinance my home. These account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, are listed wrong please delete bankruptcy.