23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a XXXX in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX  in the customer care recovery group who told me that it's not Wells Fargo 's responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.
Product: Debt collection

XXXX notified me on XX/XX/XXXX, that a loan of {$3200.00} was posted onto my account and sent to collections. I quickly called Lewis Mcdonnell & Associates on that same day ( XX/XX/XXXXXXXX  ) which I spoke to a representative named XXXX. I tried to get information about what kind of account was created such as what name was used, date of birth, phone number, etc,. XXXX confirmed that there was a loan taken out with a name similar to mine, then XXXX asked me if my birth year was XXXX, and if my phone number ended in XXXX which I stated it is not. I told XXXX the reason for my call was to get more information on an account that was created using my social security number as I have no affiliation towards them and never took any kind of loan out with them. XXXX provided me information on how to dispute this incident as identity theft but as she was giving me more and more advice, she then began to become less helpful, ultimately hanging up the call. I contacted XXXX right after that phone call to file a dispute and to also update my information such as my name, date of birth, and also locked my credit. The dispute I filled with XXXX on XX/XX/XXXX, was completed by XX/XX/XXXX. However, Lewis Mcdonnell & Associates claimed that the information they have is correct. As a result, XXXX could not remove the collection debt out of my account. I sent a validation dispute letter to that company on XX/XX/XXXX, and gave them 30 days to provide me the information they claimed is correct but till this day, XX/XX/XXXX, Ive received no information or feedback from them at all.
Product: Mortgage

A number of years ago, my wife ( now deceased ) filed an individual bankruptcy. At that time we had a mortgage with Fifth Third Bank. Some after the bankruptcy was complete, Fifth Third added an amount to the mortgage. This was not noticed to me nor is it allowed in the mortgage. I have tried for years to get this resolved but to no avail. The Bank is reporting this as a late payment every month which affects my credit rating and adds costs to my insurance. The rep for the bank said " we did n't charge you we charged the mortgage. '' I fail to see how this is different than charging me. I tried working with a local rep at the bank but the supervisor we tried to talk to would not talk to us and hung up on us. I live to a great extent on social security and this is affecting my credit and my ability to make ends meet. I ca n't even refinance with this showing as late payment every month. I do make my regular payment every month just not the extra which is unexplained and not allowed for in the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided XXXX with a hard copy of an error that Bank of America agreed to correct. The states that I do not have any XXXX late payments on my account. The XXXX late payment is reported on my XXXX account for XX/XX/XXXX. I have furnished XXXX with written proof and they refuse to correct my credit report, this is causing me to not get approved for future credit. XXXX XXXX XXXX  have corrected this error, but XXXX refuse to do so. 

XXXX XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with BK OF AMER that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

ALERT DETAILS Febuary XXXX Account Dispute Modified Your original Dispute was Modified The dispute for the account with BK OF AMER that starts with XXXX was modified by an XXXX Disputes XXXX. If you have provided relevant supporting documentation, you will be notified when a new dispute is opened in light of the additional information you provided. 

ALERT DETAILS XX/XX/XXXX Account Dispute Update We have an update about your Account Dispute The dispute for the account with BK OF AMER that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 

XX/XX/XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with BK OF AMER that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 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 corrected. 
DPT ED/XXXX XXXX Balance : {$210000.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

experian, XXXX and XXXX has an account on my credit that is not mine/inaccurate. 

Accounts-not mine XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

XXXX admitted that it was their negligence that created this problem and yet they didn't try and correct or resolve any issues associated with my credit card. 

XXXX has destroyed my credit and dropped my score over XXXX points. XXXX is aware I can't make any payments and the fees and additional interest on this card should not have been added and been taken off. 

XXXX didn't close this account as requested until they started reporting it late and adding the additional fees which at this point had negatively impacted my credit. 

XXXXXXXX XXXX closed my account and I was not able to make any payments and I called and tried to figure out how to make this payment. 

My credit card was tied to my bank account and once it closed I was locked out of my credit card account and I tried to ask for help and make the company aware of this. 

XXXX should correct my credit report and take off any late reporting or delete the credit card completely from my credit report as this isn't my fault at all. 

XXXX can delete this account and also forgive this debt as I'm not the reason this issue occurred as they are aware they are responsible for this issue. 

I have tried to email the CEO to make his office aware of the issue that was created and how XXXX may be held liable per federal and state laws. 

XXXX needs to be reported to the FDIC as this may be an ongoing issue that is created because the card is tied to your bank account and when the account is closed you no longer have access to the card and any information related to the credit card. 

XXXX has caused me to be denied credit and/or my accounts to reduce my credit limits because of their lack of helping me resolve this issue.
Product: Credit reporting or other personal consumer reports

IN XXXXXXXX XXXX XXXXXXXX, I MAILED A CERTIFIED LETTER OF DISPUTE TO XXXX XXXX, WHICH WAS DELIVERED XX/XX/XXXX, XXXX OF TODAY XX/XX/XXXX, NO REPLY FROM XXXX XXXX.THIS IS A VIOLTION OF FEDERAL LAWS LIKE THE FDCPA AND THE FCRA. HERE I WILL BE PROVIDING RECIEPT AND PROOF OF DELIVERY. I HAVE DISCUSSED THIS WITH TRANSUNION BUT NO RESPONSE AS WELL. PLEASE DELETE THE FOLLOWING ACCOUNT FROM MY TRANSUNION XXXX XXXX XXXX XXXX ACCOUNT XXXX
Product: Debt collection

A Demand letter came in the mail for {$160.00} on Tolls that coast {$2.00} each way through a tunnel. I Never received a bill so that i could pay the Toll, they sent it to a Lawfirm called Linebarger Goggan Blair & Sampson, LLP in TX. I called the Lawfirm, they told me if i never received my bills it isn't there problem and it doesn't matter I just have to pay the balance owed. There was no proof or bill of my car & it's license plate Number or picture isn't on demand. Only an Account number they gave me on their demand letter which never stated that my debt was going to Accumulate over {$100.00} in Over a month. Keep in mind that i received my bill at the beginning of XX/XX/XXXX and the bill was mailed out XX/XX/XXXX. So from the day the bill was mailed it was adding more to my bill that I was never made aware of until it was to late. As someone who is struggling to put food on the table and gas how do they ever expect some one to pay this. I would have rather paid the {$2.00}. This has been an ongoing problem for the XXXX XXXX XXXX in downtown XXXX, scamming people out of hundreds and thousands of dollars. XXXX XXXX is that i was never given proper notice of a small simple bill & now this is on my credit tarnishing it over a {$2.00} Toll.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX - XX/XX/year> Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX - XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XX/XX/year> Account Name : XXXX XXXX XXXX XXXX - XX/XX/year> Account Name : XXXX - XX/XX/year> Account Name : XXXX XXXX XXXX - XX/XX/year> Account Name : XXXX - XX/XX/year> Account Name : XXXX - XX/XX/year> Account Name : XXXX XXXX XXXX XXXX - XX/XX/year> Account Name : XXXX XXXX - XX/XX/year> Account Name : XXXX XXXX - XX/XX/year> Account Name : XXXX XXXX - XX/XX/year> Account Name XXXX XXXX XXXX XXXX XXXX - XX/XX/year> Account Name : XXXX XXXX XXXX - XX/XX/year> Account Name : XXXX - XX/XX/year> Account Name : XXXX - XX/XX/year> Account Name : XXXX XX/XX/year> Account Name : XXXX XXXX XXXX - XX/XX/year> Account Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please respond to my complaint. I am authorizing that I am XXXX XXXX XXXX. Please do not mark this as a duplicate. I sent Experian, XXXX and XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries and the method of verification to be sent to me. I have attached the FTC ID Theft Report & proof of service. The FTC ID is # XXXX. 
As of today XX/XX/2021, I have not received any proof of validation or any written Method Of Verification from Experian. I have fully investigated my rights in this matter. This is in violation of my consumer rights under Section 611 ( 6 ) ( a ) of the FCRA, which states that a consumer reporting agency shall provide written notice to the consumer of the results of the reinvestigation no later than 5 days after the completed reinvestigation. It also violates my rights under Section 611 ( 7 ) of the FCRA that states a description of the reinvestigation procedure shall be provided no later than 15 days after receiving a request from the consumer.
Product: Checking or savings account

I received an email from Chase Bank stating my account could possibly be closed due to a fraudulent deposit, stating the names did not match. On XX/XX/XXXX I spoke with XXXX in the XXXX XXXX XXXX Department and he informed me after verifying the deposit in question of {$13000.00} from XXXX XXXX XXXX on XX/XX/XXXX that my account would not be restricted or closed. On Wednesday XX/XX/XXXX I was scheduled to have more deposits from my XXXX XXXX XXXX and other banking partners, unfortunately they did not post to my account. I called chase once again and was transferred to several departments with no resolve, just that my account would be closed in 10 days as fraud. I was then instructed to go into a branch to get more information regarding the closure an hopefully resolution, as my account transaction is not fraud. I went into a Chase branch in XXXX XXXX Texas, ( I was visiting my daughter ). I was assisted by XXXX who was very helpful and also confused as to why my account was restricted and set to close. She contacted the back office and they to were also confused, but after researching they found that my prior last name of XXXX had popped up on the deposit and that caused a red flag. I was married in XX/XX/XXXX and my last name is now XXXX, which has been changed since XX/XX/XXXX. I updated my name with Chase provided them with my marriage certificate, drivers license and signed new signature cards, my name was also changed with XXXX XXXX XXXX to reflect XXXX. While looking at my profile they found the branch failed to upload and attach my documents to my profile. We then uploaded my marriage certificate and drivers license. The next day I received all deposits they had previously rejected due to the restriction. My account remained in a positive standing and now today after writing a check to one of my other accounts I noticed Chase had debited my account via a check. I called and was transferred to 6 different departments, with no resolve. I explained that I do not want this to reflect negative on my business, but all they would say is they have the right to close my account with no explanation. At this point I no longer want to do business with Chase I just don't want a negative impact on my business.
Product: Checking or savings account

On XX/XX/19 I called Chase customer service regarding an issue with an account transfer from one checking account into another account that had a negative balance. I am a signer on another Chase checking account, my fathers, but not the PRIMARY account holder and I also have my own chase checking account and Im the primary account holder and have my father listed as signer, as well. On XX/XX/19, my fathers entire SSI XXXX  was TAKEN from his account and TRANSFERRED into my account which had a negative balance. I spoke with the collection department at chase and was transferred to the supervisor and was told, there was nothing he could do and would be willing to refund XXXX, if I was willing to set up a payment arrangement. The account was withdrawn for only 22 days and I called three times asking if they could remove or waive some of the fees - not all but atleast half. I was told no because they waived two overdraft fees 8 MONTHS AGO. I offered payment arrangements on the account and was willing to set it all up immediately, if they refunded the XXXX back to my fathers account since it is his SSI check. They refused and said they can withdrawal at anytime if another account through Chase is negative. I asked the supervisor how this is legal and he said its in the fine print when you agreed to the terms and conditions. I informed him my dad has been with chase for 12 years and he told me that doesnt matter and means nothing. They didnt notify my father or I that they were taking the money and I never received any notification in the mail stating that would happen. I was told they dont have to notify there customers. This is not fair to the consumer and its negligence on Chases part for not having any regard for there customers and/or their situation. An innocent person was affected by my mistake that I was willing to set up payment arrangements to resolve the negative balance.
Product: Debt collection

Reviewed most recent credit report and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me.

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding collection/charge off ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of collection/charge off connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Checking or savings account

On XXXX/XXXX/2017, {$2000.00} was added to my account at JPMorgan Chase. I called to report this fraudulent transaction. The CSR refused to take any information about the transaction as " Their system was not working ''. When I asked to talk to a supervisor the CSR hung up.
Product: Credit reporting or other personal consumer reports

I XXXX  received voice message from a XXXX at XXXX XXXXXXXX XXXX from XXXX on XX/XX/2024, and to call back at XXXX using reference # XXXX. Then, I received a letter on XX/XX/2024 from XXXX XXXX dated XX/XX/2024 addressed to my maiden name, stating that my application for the XXXX  XXXX XXXX XXXX XXXX was being reviewed and to call XXXX, with the same reference #. I called XXXX XXXX XXXXXXXX but did not see any open accounts. I pulled my Experian Credit Report, as the letter stated they obtained my report from them and found a Hard Inquiry for : XXXX XXXX XXXXXXXX Date of request XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX I submitted a fraud alert with Experian.
Product: Credit reporting

I have contacted experian, but they refuse to help me. I have a XXXX home loan on my credit that belongs to a family member. That same family members personal information ( name, address ) is also listed on my credit report, as well as their paid off car loan, and some past due bills. This is something that is stopping me from bettering my credit, and buying my own home. I do n't understand how it is legal for experian to put incorrect information on someone 's credit report and on top of that refuse to fix the situation! And something as big as a home loan should be taken extremely seriously when it 's placed on the wrong person credit, but experian does n't not care, they think that the name is close enough so they put it on your credit, or the social security number is ALMOST correct so they put it on the person 's credit. This is ridiculous and should be unacceptable! I want it fixed!
Product: Credit card or prepaid card

I contacted my local domestic relations office earlier this month due to a relocation and change of address on my EppiCard. When I reported my new address to the caseworker, it was entered incorrectly days later by the caseworker to EppiCard, so I THEN had to e-mail the correction to the caseworker. The correction did not occur for several days. 

I used my EppiCard child support card on XX/XX/2020 to make a purchase and withdraw money from the account. Today, on XX/XX/2020, I attempted to use the card to make a purchase of milk and other grocery items for my son but was declined twice. I double checked the EppiCard site. The card was marked EXPIRED on the EppiCard site. However, my card does not expire until XX/XX/2020, which is indicated on my account and on the card. I have been on hold for over 2 hours with EppiCard, which the website states has customer service available 24/7. There is no other form of contact besides the customer service number, which is also for lost/stolen cards. I had not been contacted prior to the card being listed as EXPIRED, nor have I received a replacement card in the mail. My mailing address is up to date - there is no reason I would not have received communication. 

I am to receive a child support payment next week that I will have NO access to due to this mistake, and I am in dire need to access the money to pay bills that are immediately due.