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

On XX/XX/XXXX I received a officials cashiers check from XXXX XXXX XXXX in the amount of {$13000.00} To be paid back to me as a refund, the check was released by XXXX XXXX. 
On XX/XX/XXXX I went to Bank of America located in XXXX to deposit my check. I was told by the representative that I would receive {$5500.00} on XX/XX/XXXX and the remainder on XXXX at XXXX XXXX  in the amount of {$7400.00}. 
On XX/XX/XXXX I woke up to check my account, and I saw The Bank of America has put a whole hold of the {$13000.00} till XX/XX/XXXX, which is a Saturday and I would not receive the money but the following Monday of XX/XX/XXXX. 
I called Bank of America that same day as into why the whole amount was placed under such a long hold, and XXXX a customer service representative from New York told me that the reason why I was unable to get it is because XXXX XXXX  has not released the funding yet. 
I then called XXXXXXXX XXXX XXXX XXXX XXXX for a whole hour, just to find out that the funding is released and it is an official cashiers check so I would have no problem with getting the money. XXXX sent me on a wild goose chase, when it was bank of Americas fault all along. 
on XX/XX/XXXX I called the branch back where I submitted the deposit to, and the branch manager advised me to call customer service again and speak to the escalations supervisor to get it released, I proceeded to ask her to connect me to customer service as it was done twice before the same day, and she denied me it. She said she cant connect me, and I told her that it was weird because I was just connected twice so she proceeded to call her associate over just to find out that she can. 
I spoke to the customer service representative named XXXX on XX/XX/XXXX and explained her my situation, she said she could fill out a report of an escalation of release of my funding, but it would take two days to process and then 3 to 4 days for a decision to be made so she said it was pointless. I asked her to connect me to a supervisor, and I spoke to XXXX who is the escalations supervisor. I told her my situation, that this check was needed for my rent and I couldnt wait, my car broke down and everything and I need my money now. She just continuously apologized and did not help me, she told me that was how I knew my account is there was no way of proving myself and thats why I had to go through longer progress but Ive had this account for four years. I asked her if I could have my official check back so that I can pick up my finances somewhere else, and again she denied me my own check back. 
Bank of America has lied to me, and has no problem with putting me and my children on the streets over an official check regardless of the customer. Im beyond frustrated and scared because of what they are doing to me.
Product: Credit reporting or other personal consumer reports

The following companies made inquiries without my knowledge or approval. 
XXXX XXXX XXXX XX/XX/2023. XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX  on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXX of XXXX on XX/XX/2023. XXXX XXXX ( XX/XX/2023 a second inquiry was made ). XXXX XXXX ( a second one made on XX/XX/2023 ). XXXXXXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX on XX/XX/2023. XXXXXXXX XXXX XXXXXXXX on XX/XX/2023. I did not authorize any of these companies to run my credit. 
I sent complaints to each of the credit bureaus by certified mail to look into these matters. I also contacted them by phone and nothing was done.
Product: Checking or savings account

Details of the Issue : I deposited a check from XXXX XXXX XXXX XXXX, and XXXX XXXX days later XXXX Wells Fargo sent me a message of insufficient funds. After trying to reach the people I spoke with previously about the job/payment, I was unable. I went to the bank and asked for help and to dispute that Wells Fargo took over XXXX hours to flag the check, which is totally unacceptable in this IA era we live in. This is part of the letter I sent to Wells Fargo after calling and going to my local branches. 
Check Reference Number : XXXX Check Amount : {$2900.00}, XXXX XXXX XXXX XXXX Deposit Date : XX/XX/year> I waited nearly XXXX entire days before using the funds, assuming the check had cleared after the initial hold period. However, I was later notified that the check was returned unpaid and that my account was charged. I understand that it is ultimately my responsibility to inquire about the authenticity of checks ( XXXX XXXX XXXX XXXX XXXX XXXX, and I did ; however, I relied on XXXX XXXX clearing processes, which took over XXXX hours without flagging the issue. 
Request for Resolution : 1. I kindly request a reversal of the fees applied to my account as a result of this incident. Please investigate ; I am a victim of fraud. I am requesting a reversal of the charges. Due to the specific circumstances listed in this letter.

2. If possible, I would appreciate assistance in recovering the funds from the check writer, as this situation has caused significant financial hardship. 
I value my relationship with Wells Fargo, which has been 20+ years, and trust that this matter will be resolved fairly. Please let me know if additional information is needed to investigate the issue. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX.
Product: Debt collection

I HAVE HAD THIS PROBLEM FOR MANY YEARS WITH THIS COMPANY, THIS IS FROM XX/XX/XXXX, LAST YEAR THEY REPORTED THIS DEBT AS AS LATE IN XXXX, IT IS FROM XXXX, JUST LAST MONTH THEY REPORTED THIS AS LATE ON MY CREDIT REPORT DROPPING MY SCORE 8 POINTS, THIS IS A MEDICAL DEBT I HAVE INFORMED THEY THAT I AM AN XXXX VETERAN, THAT IT IS TO BE BILLED TO MY VETERANS AFFAIRS OFFICE AS, THEY ARE RESPONSIBLE FOR PAYING ALL DEBTS FOR HOSPITLIZATION, ALSO I HAVE INFORMED THEM THAT I AM XXXX XXXX  XXXX XXXX VETERAN I RECIVE SOCIAL SECURITY AND VETERAN BENEFITS, I HAVE INFORMED THEM, AND THEY SAID IT WAS ON MY CREDIT I AM ATTACHING DOCUMENTION SHOWING THAT THIS DEBT IS FROM OLD, THAT THEY HAVE CONTIONOUSLY REPORTED LATE PAYMENTS, THAT IT HAS DROPPED MY CREDIT SCORE THAT THIS IS UNFAIR, YOU CAN SEE VIA MY UPLOADS, WHEN I MADE A COMPLAINT WITH THE CFBP, THE FIRST TIME IN XXXX OF XXXX THEY SAID THE DEBT WAS FROM XXXX, IMMEDIATLEY IN XXXX  THEY REPORTEDED IT LATE EVERY MONTH, TIL CURRENT DATE CHANGING THE DATE IT WILL DROP FROM MY CREDIT REPORT, FROM XXXX XXXX XXXX THIS IS UNFAIR, AND ILLEGAL
Product: Debt collection

I recently had a new collections account added to my credit report by Jefferson Capital Systems for a fraudulent XXXX XXXX account for {$280.00}. I did not open this account- I have no knowledge of how this account was opened because I did NOT open an account with XXXX XXXX XXXX I had XXXX XXXX  for a provider more than 10 years ago and did NOT owe them any money before switching to XXXX. This recent ( date on XXXX XXXX says XX/XX/2021 ) XXXX XXXX account is complete and total fraud. I have disputed this debt through XXXX XXXX several times now and they keep saying that it's accurate. It is NOT accurate, I did NOT open a XXXX XXXX account. This fraud is hurting my credit, please help me resolve this fraudulent debt. Thank you.
Product: Debt collection

I was contacted by mail by Creditors Collection Service. I called them by phone to set up satisfactory arrangements for the debt in question. We agreed that i was to pay {$29.00} on the XXXX of the month. I kept my end of the deal. This item as told to me by the representative would remain off my report as long as payments were paid as agreed. They in turn went and reported the debt to the credit bureaus for an inaccurate amount. And I kept my payments as agreed. This item was not on my report prior to me setting up this arrangement with them, which were paid as agreed. They used this as a scare tactic trying to rush me in paying this debt in full after the communications they sent never said it would be reported. It said only if satisfactory arrangements had not been made, that's when it would report this account to the bureau. This has affected my score by 33 points with one bureau and 20+ points with another. I kept my part of the deal they did not.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX high yield interest savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promise.
Product: Student loan

I have been trying to contact nelnet for 15 days now the last time I spoke with a representative they told me my payment will be between {$470.00} {$740.00} a month. I applied for the new save program, according to the student aid.gov application was completed. nelnet no they have not sent me anything and the payment still showing {$1000.00} a month I can not afford this please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently checked my credit file and my XXXX XXXX and discovered several new alarming things. 1st a new collection was added to 2 credit reporting agency reports that I have never heard of for an XXXX XXXX XXXX account that I never opened. Next there are dozens of random inquiries on my credit file with Trans Union, XXXX and XXXX. 
XXXX and Trans Union have Fraud warning on my reports that I need to be contacted and I was not in regards to these inquiries. 
Next I went to open a new checking account and discovered that all the same places that were on Trans Union, XXXX and XXXX were on my XXXX XXXX and I wasn't looking for any banking account needs until XX/XX/XXXX. All the other activites have been outside that date several XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX {$180.00} that I have reported to the police and is enclosed.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> my city and my zip code ( XXXXXXXX XXXX XXXXXXXX ) were severely impacted by Hurricane Beryl. My property was damaged with the roof partially lost, the windows and glasses broken, the electric power lost for multiples days and my electric equipment damaged. To prioritize the safety of my family, we moved to a shelter, filed and were approved for FEMA assistance. At the same time, I contacted our mortgage company ( Rocket Mortgage ) and filed for Disaster Forbearance which they approved ( see attached correspondence from both Rocket mortgage and FEMA in XX/XX/year> ). We are still in forbearance while saving to get our house repaired. To my surprise, I recently discovered that the credit bureau is reporting a 30-day late payment for XX/XX/year> while our mortgage was and still to date in forbearance. I contacted Rocket Mortgage and the credit bureau and requested that account to be updated to its accurate status either 'IN Forbearance '' or " Paid AS Agreed ''. More than 90 days after my request, the account is still showing a 30-day late payment. This incorrect information has damaged my ability to access credit to repair and return in my house. The credit bureau is blatantly in violation of my right according to the law : - 15 U.S. code & 1681a - Definitions ; rules of construction I U.S. code I US Law I LII - 15 U. S. code & 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

- 15 USC & 1681a 2 ( A ) ( I ) -- Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Payday loan, title loan, or personal loan

I have been having issues making payments due to Covid-19 so On XX/XX/2020 I reached out to Wells Fargo for assistance with my XXXX XXXX line of credit. They told me they wouldnt help me since I had received help at the beginning of the pandemic. I was told this will go on my credit as CLOSED ACCOUNT and it would be a negative mark. This is absolutely ridiculous that Wells Fargo refused to help its customers during an ongoing pandemic. I will be posting my experience on social media!!! Im sure many others are experiencing the same problems with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that you send me copies of the documents you used to verify the following inquiries listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank  Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All XXXX - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called TransUnion and they told me they will removed them but nothing has happen yet. Please remove all four XXXX XXXX XXXX XXXX collections from my credit report.
Product: Debt collection

This account I have tried to dispute and ask for verification and never received any letters or confirmation. I need this deleted and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX for the amount of {$3000.00} Account # XXXX is fraudulent and I filed a FTC report. Please remove this account from my credit. 
XXXX XXXX XXXX Permissible Purpose.
Product: Vehicle loan or lease

On XX/XX/XXXX, my husband and I went to get a car loan for a second vehicle because our son recently totaled our 2nd vehicle. When we applied we were denied by several banks, we asked why and they said it was because we were not making our payments on our current vehicle, he said that it claims we were on a deferment, which we were not So I looked at the credit report and it did not have any payments reported to the credit since XXXX of XXXX. I got home and called Wells Fargo Dealer Services, I told them the problem and the man I spoke with assured me it would be handled with in the next XXXX hours and in the mean time he would send me the payment history to prove we made payments and maybe the banks would take that for approval. Still we were denied, we waited a week and checked again, still nothing fixed on the credit report. A few days later I got an email saying payments were reported to my auto loan, I received notification from XXXX XXXX, so I checked, and they reported XXXX and XXXX of XXXX but still did not report payments from XXXX through XXXX.I then made a dispute with XXXX XXXX and it was kicked back as valid or fixed, not my credit says resolved but customer disputes. I called WFDS again and was put on hold for 20 minutes, I ended the call. I then called again and was told since I said I would contact you all I needed to talk to the office of presidents team and they were closed so I needed to call back. I asked the man for the number and he did not have it. I am at a loss right now, I can not get to work without a vehicle, I live in the mountains and can not even go grocery shopping. I am not able to get a car loan because of their reporting, not only that, where did the {$2300.00} in payments go, we are on the final end of our car loan and can not even get a correct pay off because they refuse to fix the missed payments. I can not access the link they sent my payment history on and since I can not access my account online. All payments were made, we were not on a deferment nor did we ask for one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of 15 U.S. Code 1681a, Under the Exclusion Clause ( A ) ( i ) Experian must respect my right to privacy. I have a right to privacy ; Experian is violating my rights to privacy as a Federal protected consumer. There is a need for Experian to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. They have developed an elaborate mechanism for investigating and evaluating the credit worthiness credit standing, credit worthiness, credit capacity, character, and reputation of consumers. 
Through Experian actions as resulted in Companies/Banks violating 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), that protects applicants from discrimination in any aspect of a credit transaction. Which include Consumer credit, Open-end credit, Credit applications, Standards of creditworthiness and Denial of credit. Experian actions not respecting my privacy as caused great harm to me and my Family. The banking system depends on accurate reporting and due to their practices as undermine my confidence in the functioning of the banking system.
Product: Credit card

Not enough information of validation of debt. I contacted MIDLAND FUNDING through certified mail on XXXX for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX. the account in question is # XXXX. Collection amount { {$600.00} }, however I do not owe this debt and know nothing of it. MIDLAND FUNDING appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report
Product: Mortgage

Wells Fargo Home Mortgage has sent inspectors to my house without my consent at different times. 

I called customer service today XX/XX/XXXX and I found out that I have to pay those fees equivalent to {$2200.00}. They said they have the right to do it because I have a delinquent balance. 

In the past my husband was hospitalized for a period of a year and we lost our primary source of income.. We had to file for a Chapter XXXX to keep our house about three years ago. Our mortgage payments and chapter XXXX payments are current. 

I feel a victim of Wells Fargo 's actions because they did n't ask my permission to send inspectors even though I have been living in the property since the house was bought. 
They also increased my monthly payments due to a force insurance since XX/XX/XXXXeven though I have keep my home insurance current every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with identity thrift for almost 2 years now with mis use of my information and fraudulent information on my credit reports I have reached out to credit companies multiple times for dispute I have tried disputing on my own no help I would like these fraudulent information off of my credit reports
Product: Credit card or prepaid card

I have contacted INDIGO/GENESIS CARD SERVICES on XX/XX/2022 and XX/XX/2022 through mail, requesting {$930.00} ( which includes late fees, which should not be since I have been contacting the correct department by mail as stated on the back of each statement ) be credited back to my Indigo credit card account, due to lack of verification of purchases from XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Against TransUnion for Failure to Correct Inaccurate Late Payments on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for failing to correct inaccurate late payments information on my credit report. These late payments are incorrect, as I have never missed a payment on ANY of the accounts in question. Despite my repeated efforts to resolve this issue directly with TransUnion, including submitting both a physical dispute letter by mail and an electronic dispute through their online portal, the inaccurate information has not been corrected.

TransUnions failure to correct these errors violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : Section 1681i ( Reinvestigation of Disputed Information ) : TransUnion is required to investigate disputes within 30 days. They have failed to properly address my dispute or resolve the inaccuracies. 
Section 1681e ( b ) ( Accuracy of Information ) : TransUnion must ensure the information they report is accurate. Their failure to correct the false late payments constitutes a violation of this obligation.

Section 1681i ( a ) ( 1 ) ( A ) ( Resolution of Disputed Information ) : TransUnion is obligated to resolve disputes in a timely manner and inform the consumer of the results. They have failed to respond or update my credit report accordingly.

Section 1681n ( Civil Liability for Willful Noncompliance ) : TransUnions failure to address these inaccuracies may constitute willful noncompliance, which could make them liable for damages under the FCRA.