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

Let me first start off by saying I have been banking with chase for over 3 years and never had an issue. In XX/XX/2023 I received my commissions check from a company I have been doing business with for months and never had an issue. I deposited the check in my chase personal account on XXXX XXXX th check was placed on a hold from XX/XX/2023 until XXXX of XXXX. The money was released into my personal check account today. I withdraw $ XXXX cash and then withdraw $ XXXX cash which I needed a total of $ XXXX however the branch that gave the $ XXXX didnt have the full amount available. As soon as that was done my bank account is now frozen, I go to the local branch in XXXX GA off XXXX XXXX area and spoke with VP XXXX XXXX who called the issuing bank XXXX  to verify the check and it was verified by XXXX the funds are good, no stop payments, everything is good to go. However chase back office said that isnt good enough, we need to speak now with the person who gave you the check. Okay so I provide them with a number to call now chase is saying thats not good enough because that phone number isnt registered to the person name who gave me the check in XXXX XXXX which makes no sense because nowadays numbers arent registered in people names, chase is finding every excuse now to steal my money and I want it back now! I have been using the account with no problems so now why is it a problem! I want my money. Chase can not do this, is it because XXXX XXXX!! The money has cleared one bank, I need the money for my house bills and now chase is stealing it.
Product: Credit reporting or other personal consumer reports

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Mortgage

XX/XX/year> Servicer sent me a wrong-erroneous mortgage accounting record on XX/XX/XXXX, XXXX see attached. 
Acct # XXXX for the amount I executed, agreed to, was {$7500.00} beginning XXXX XXXX via a signed promissory note by me-see attached. 

RESPA Violated by Servicer- Servicer keeps sending me the wrong records- it's a XXXX pdf document showing a totally DIFFERENT amount owed than the $ XXXX see attached. These accounting records belong to someone else. 
The account number is correct, however the account balance from the promissory note vs the servicer records from US BANK NATIONAL is unreconciled, totally different, more than 100xs {$7500.00} original account balance - see attached. 
Therefore my mortgage payments sent to the Servicer US BANK NATIONAL have been MISAPPLIED or may be sitting in a SUSPENSE account held with servicer US BANK NATIONAL and those payments need to be refunded to me IMMEDIATELY.
Product: Debt collection

On XX/XX/2020 we tried to contact United Legal Group to follow up from a previous conversation concerning an incorrect invoice and that we have never received any status reports. XXXX XXXX verbally harassed us by calling our office repeatedly ( minimum 10x ). His language was abusive, vulgar, and included statements like the following, " I hope you get the coronavirus ''. Additionally, he stated " he would service the accounts and not pay us '' also prank calling and pretending to be XXXX XXXX. We have video evidence of these calls. Very unprofessional all around.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received notification that XXXX CREDIT REPORTING AGENCY dropped my credit score XXXX points. 

I reviewed my credit report and identified that there was a manufactured error being reported. A Glitch or systematic failure. It stated that my Current account was removed and renewed on my report. 

Thereafter, I contacted CURRENT who informed me that they did not close nor remove the account. They stated that they only posted the positive payment history. 

It clearly shows that the account is listed closed while in good standings. This is false. 

XXXX is manufacturing credit scores in order to sell products to consumers who they feel isnt financially savvy. This manipulative tactic harms consumers and destroys credit bureaus trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. After reviewing my report on XX/XX/2023, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : XXXX. Last verified- inaccurate XXXX. Date of Last Activity- inaccurate XXXX opened- inaccurate XXXX. Account XXXX inaccurate XXXX creditor remarks Two-year payment history shows XXXX, Equifax XXXX and XXXX shows no history. How is this possible if the account is charged off? This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This XXXX account on my credit report has XXXX violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 6 letters requesting investigation of my credit to the 3 major credit bureaus Equifax, XXXX and XXXX. I also sent 2 letters directly to XXXX XXXX and XXXX XXXX XXXX. I have sent a letter every month for the past 6 months following the rules of the FCRA. I believe there are several inaccuracies reporting on my report and they have failed to respond and update my report. Over the past 6 months, they have failed to respond to any of my letters and after reading the rules in the FCRA, I was under the impression that the bureaus and collectors have 30 days to respond or remove the account from my report if they don't. I found your site after some research online that says I can submit a complaint to you guys for further assistance since I am not receiving any results or responses from the bureaus or collectors. I am attaching a copy of every letter that I have sent out them in hopes to prove that I have been doing my part to investigate these accounts with no results or responses to date. I am hoping that you will be able to help resolve this matter and get back to me asap. I look forward to hearing from you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX am A confirmation for {$300.00} was sent from cash app to a direct account with XXXX XXXX. I SENT THE MONEY BEFORE XXXX, CASH APP CONFIRMED THE DELIVERY AT XXXX. 
I have that time in the attachment. 

I didnt have a wells fargo debit card. I just had the account that is connected to the XXXX XXXX XXXX department ending in XXXX. 

This same day, I called XXXX XXXX after I sent the {$300.00} from Cash App. I asked XXXX XXXX, can I access my debit card number to my account without a Debit Card? They told me no, I would have to wait for my debit card to access my account, the one I just sent the {$300.00} too. 
So I told them, close the account on XX/XX/XXXX! I have the proof in my attachment, they sent a closing email for the account XXXX on XX/XX/XXXX, not the XXXX as they claim. XXXX XXXX is even sending me a letter saying they closed the account on the XXXX which is how committed they are to this Lie. They didnt know I have the email to prove it was XX/XX/XXXX, in the attachment. XXXX XXXX was saying the account was closed XX/XX/XXXX. Thats not true. Like the attachment says, it was closed XX/XX/XXXX, after I sent the money. 

Regardless, the money should have bounced back to Cash app. Or never been processed. But both companies are trying to convince me {$300.00} disappeared and I should call the other company to find out where. 

I contacted XXXX XXXX claims department and unlike Cash app theyve closed both of my claims w/o any email, letter, call or explanation so I had to call back and I still have no answer on why they cant get my money. The account was NOT closed before the money was sent. 

They can use the routing number cash app but they wont contact Cash app to find this out. They keep telling me to. 
Cash app wont contact XXXX XXXX, they keep telling me to do it. 
This situation has nothing to do with me. Cash App XXXX XXXX XXXX know that. Theyre just hoping I stop fighting. 

I work too hard as a painter for my money.
Product: Student loan

I, XXXX XXXX, called Navient to make payment arrangements and I was told that its income base which is fine but the interest was 500- {$600.00} per month. Its no way the lender expected for me to pay high interest and make my payments I'm not rich! Something need to be done about this. More student loans can be paid back if it was a rip off. Something need to be done.
Product: Mortgage

We were in the process of doing a short sale. Shellpoint placed an auction during the process. The property was demolished from the town and this was conveyed to the servicer. My realtor received an email that the investor was willing to do an exception and was approved at the purchase price {$75000.00} which is the land value and that was through email on XX/XX/2023. All parties were informed and the buyer ordered titled and everything so we can close as soon as the approval letter was provided. On XX/XX/2023 another email was received stating that investor denied the approval for failing to meet the required minimum proceeds. They provided the the comp on properties that were commercial property, larger acres and subdivided properties on a XXXX lot of land. We then submitted a value dispute that was never submitted or reviewed by Shellpoint. We tried everything to get this closed prior to the demolition as i don't need that extra cost on me as i can not afford to pay it.
Product: Checking or savings account

I bank with JPMorgan Chase Bank. I've been baking with Chase Bank for almost 2 years now. 3 days after I open my Chase account in XXXX of XXXX. 3 days after opening the account it was a fraudulent money withdraw done in XXXX XXXX on my account. Unfortunately I was not in XXXX XXXX. I had possession of the the card. I called Chase to dispute the charges ensure me that what's me, the equivalent of {$220.00} what's lost. I'm insure to chase that I am a victim of identity theft and it was not myself. Just switched bank account numbers and insured me that it's impossible for someone to take money out of my account. Just recently in XXXX of XXXX XXXX an unauthorized person withdrew {$200.00} out of my checking account. I called Chase customer service explaining to them that someone has access to my account that was unauthorized. I'm a victim of identity theft. My account was not secure and I had one account completely Frozen in another account completely compromised. All the fraudulent money transfers cost me {$2500.00}. I requested to close the account. Cases for me that they could not do anything about closing my account because of the open investigation. I now I have three accounts open with Chase that I can not close. I am overdrawn in one account due to fraudulent money wires and withdrawals. Chase refuses to honor the the policy of replacing my funds in my account. Instead I have spent countless hours on the phone and I have had at least two accounts taken over within the last month. Chase seems to not have a solution for this issue and is now not going to reimburse me for the fraudulent withdrawals and charges
Product: Credit reporting, credit repair services, or other personal consumer reports

My formal complaint about this account, CB INDIGO XXXX, for reporting false information on my XXXX XXXX XXXX XXXX and XXXX credit reports. It also mentions in the credit report that this account has previously been sold to a collection agency but never states to which collection agency, and yet they're still reporting. 

The FCRA law requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate or that the furnisher has reasonable cause to believe is inaccurate.
Product: Debt collection

On XX/XX/XXXX, I contacted Franklin Collection Services regarding a collection that appeared on my credit report. I informed them I was a victim of identity theft and the account was fraudulent and belonged to an address I had never resided. I have never authorized or given anyone permission to use my personal information. 

On XX/XX/XXXX, I emailed XXXX a copy of my identification, police report and FTC Affidavit. I also mailed a request for validation of this debt along with the same documents emailed. 

As of XX/XX/XXXX, Franklin Collection Service continuesto report the collection as valid on my credit report prior to validating the debt as requested or providing any written notice pursuant to 15 USC 1692g ( a )  and ( b ). 

They failed to 1. Cease all collection activity, including reporting until proper validation of this debt was provided. 
2. Provide me with validation or information regarding this debt within five days of communication. 
3. Failed to notify credit bureaus of the dispute. 

Furthermore, Franklin Collection Services informed me the account was opened in XX/XX/XXXX. However, according to my credit report, it shows the account being opened on XX/XX/XXXX which would clearly indicate inaccurate and outdated information ( still resulting from fraud ) being reported to my credit report. 

My credit report shows an update on XX/XX/XXXX that supports my complaint.
Product: Mortgage

I have not received my check from the settlement from paymap. I followed the instructions but never got the check from the company but they are refusing to reissue the check for {$330.00}
Product: Credit reporting or other personal consumer reports

I just looked over my credit report, which seriously depressed me since I discovered items that your firm failed to verify were true, erroneous, suspicious, and unverifiable. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( c ), as well as the Fair Credit Reporting Act, all information on my credit report must be 100 % correct. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % correct. I've included copies of every letter you sent below.
Product: Credit card or prepaid card

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018 with an amount of {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report has been merged with someone else
Product: Checking or savings account

I had a fraudulent instance on my XXXX account whereas someone used my App to " pay off the balance '' of my account. Once i discovered this, XXXX was unable to stop the electronic payoff and advised i call my Bank. XXXX advised this is a new scam whereas they pay of the balance with my set payment type and then charge against my credit line once " XXXX  ''. I immediately called Chase on XX/XX/XXXX and ask for a " stop pay '' and gave them the amount of the transaction {$2500.00} and XXXX as the transaction name and company. They assured me they would put a stop pay on the transaction and even offered to waive the {$30.00} stop payment fee. Three days later, they " paid '' the transaction when i did not have money in the account to cover it. When i called to complain, they advised they would " take care of it ''. I called in XXXX and XXXX for resolution and was told it was too late. By that time, they were charging " fees '' against this item that put me in a negative balance taking funds from my payroll to cover their fees. They then turned around, closed the account and reported us negatively in check cashing circles and are sending demand letters for the now {$2700.00}. 
They should never have funded this transaction, they should have rejected it. I want to be made whole and our names removed from Bad Check cashing databases.
Product: Debt collection

Wells Fargo Reresentative XXXX XXXX contacted me about charged off Wells Fargo credit card. Never verified account. Continued on with collection practice & options. Representative then released all account information, home address, amount of debt, my cell phone number, my business #.
Product: Money transfer, virtual currency, or money service

I completed an {$3000.00} international wire transfer at my Chase bank at XXXX XXXX, XXXX XXXX, Michigan on XX/XX/year>. I provided the correct account details for recipient. Today XX/XX/XXXX, the funds have yet to arrive at recipient bank. I have provided recipient bank with the XXXX and bank confirmed that they have not received funds. 

Chase bank has stated that the intermediary bank rejected the wire on XX/XX/XXXX but have not returned funds and that the intermediary bank is not responded to their messages. Chase is unable to trace my funds or give an update on when funds will be returned to my account. 

I have contacted Chase bank wire department by phone several times within the last XXXX weeks. 
The associates who answer the phone are located in the east and seem to be very confused as to what is going on, Ive had to explain the situation every time and sometimes multiple times per call. There is no follow up, I am the only one reaching out to the bank even though they have promised to escalate this and keep me updated. 
Ive asked to be transferred to a Chase agent in the United States but was told this is not possible as there are no US agents.

I am very concerned that my funds have been stolen and will not be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has multiple INACCURATE NAMES AND ADDRESSES listed. I want all removed except for my primary Name and address. Both of which is on my ID attached.
Product: Debt collection

RE : Wells Fargo Homeowners Loan # XXXX Our problems with Wells Fargo began, XXXX, XXXX. We always paid our State of CA Property tax separate of our mortgage payment. On XX/XX/XXXX we mailed a check to the State of California in the amount of {$2800.00}, for the second half of the annual taxes. Shortly after, the State issued us a check in the same amount, stating that Wells Fargo made t he payment. That was the beginning of an endless dispute with the bank. The claim was that we failed to pay our previous property tax. 

Our original mortgage payments were {$1400.00}, at a fixed rate of 4.25 % for 30 years. 
When Wells Fargo took over the tax payment their representative told us that our mortgage payments would increase to {$1900.00} monthly to cover the cost of the property taxes, which is what we paid. 

We physically brought the payments to the branch on time and in full until COVID, at which time we mailed in the payments, again, on time and in full. However, Wells Fargo Sent us notices that we were late and in default. They charged us late payments and reported us to credit bureaus. When we phoned them we spoke to various reps., who sometimes gave us different payment amounts. This action on their part has drastically impacted our FICA scores. 
We have been in constant contact with Wells Fargo via phone calls, e-mails and certified mail. 

It seems that Wells Fargo wants us to keep paying the extra money on the mortgage and wants us to also pay into an escrow account. 

On XX/XX/XXXX, we received a notice that they transferred our loan to XXXX XXXX XXXX, XXXX as of XX/XX/XXXX, and a transfer package would be forthcoming with details and instructions. It took longer than it should have, so we called Wells Fargo to ask where we should send our payment. The rep told us to mail it to Wells Fargo, so we did. 

XXXX claims they never received the payment, and, we were delinquent and in default. Note : In the notice from Wells Fargo, it is stated that for 60 days after the transfer, payments may be made to Wells Fargo who will send them to XXXX. 
So the same sequence has started again. We mail XXXX the increased amounts on time and they accuse us of being delinquent and in default. 

We have enclosed proof of payments to both Wells Fargo and XXXX, plus other correspondence. 

Please help in these matters. 
XXXX XXXX and XXXX XXXX
Product: Student loan

AES student loans continues to call and harass me about a late payment. I have a co signer on the account and there have been various times I have asked them to call me first. This does not happen. The most recent incident is this week. On Monday I called about my loan being late and told them I would be able to make a payment in a week. I asked for them to not contact my grandma as she does not make any payments towards the account. The rep stated she would note that. I then received a call ( XXXX ) from my grand mother saying they called her about my late account. After I have already spoke with them. I called them and spoke with them about harassment and they said they can send letter and make as many phone calls as needed until the account is paid. This is a continuous problem with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to formally request a letter to CCB/XXXX  XXXX stating that the " missed payment '' on my credit report be removed as the account was in dispute at the time due to various factors including the Covid - 19 pandemic. I notified the bank several times that the dental office had taken your money and had not provided me with the services that you were billing me for. At the time, there was not even set a future date to deliver the services, but I was continuously being billed for the unearned revenue. My account has since become current, but my dental work is still not complete, and the aforementioned missed payment is adversely affecting my credit score. I am filling this complaint so that my credit history can be fixed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information that CAPITAL ONE has reported on my credit file. Under the provisions of 15 USC 1681, I have never provided written consent for CAPITAL ONE to furnish my information to creditors or obtain my information from other sources. 

Upon reviewing my credit report, I have noticed entries that suggest CAPITAL ONE has collected and distributed my personal financial information without proper authorization. Specifically, Account Number XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, consumer reporting agencies like XXXX, XXXX, XXXX are required to obtain written consent from consumers before they can furnish or obtain information for credit reporting purposes. To the best of my knowledge, I have not provided such consent to XXXX, XXXX, XXXX or any affiliated entities. 

Therefore, I am formally requesting that XXXX, XXXX, XXXX investigate this matter and provide me with documentation that proves I gave written consent for the reporting and/or obtaining of my credit information. If XXXX, XXXX, XXXX is unable to provide such documentation, I request that the unauthorized entries be promptly removed from my credit report.