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

I have had multiple conversations with Wells Fargo, about false transactions coming out of my account and they have always said that they couldnt see anything on their end, so I lost money and they wouldnt reimburse me the money lost. Because of this issue I keep my money in my savings account because I do not trust for my money to be kept in my checking. Every-time I have to purchase something I have to transfer money from my savings to my checking. Thats embarrassing when at a grocery store register! When I transfer I make sure I put more than enough money in my checking account so the transaction to go through. It always go through! I have had a couple of issues with Wells Fargo telling me that when a transaction is pending it doesnt take the money out right away, but that is false because my money has always been taken out right away after I pay. They have been charging me extra money, that I shouldnt have to pay after a payment is processed. I told them about the issue and they told me they wouldnt reimburse the money. I have been a customer with them since 2019 and I am not happy with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$41000.00} Balance updated XXXX XXXX, XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type XXXX XXXX XXXX XXXX account. {$41000.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Past due amount {$41000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER!!!!!
Product: Checking or savings account

On XX/XX/XXXX I filed a dispute with Chime due to a car warranty contract I was paying for but didn't have the car in my possession because it was inoperable. Within 10 min after filing my complaint my dispute was denied stating no error occurred. At this point I had not even had a chance to upload any of my documentation. I requested to have the case reopened on XX/XX/XXXX as well as XX/XX/XXXX and submitted my tow and repair receipts along with the communication between myself and the company- which included my multiple requests for a refund. Each time my dispute was once again closed within an hour stating no error occurred. At this point I requested for the disputes team to submit documents to me to see why it was determined no error occurred. In return I got a blank sheet of paper stating no error occurred stating they were unable to reach merchant. I have attached this document to this complaint. I received the same document 3 separate times. The final straw was me escalating to a supervisor and having them submit the dispute again on a Saturday evening ( XX/XX/XXXX ). I received an email on Monday morning at XXXX saying the investigation was closed and no error occurred. However the merchant is closed on the weekends so how did the investigation be completed? I feel that my dispute is not being handled fairly due to the disputes representatives either lacking or have no knowledge of how a dispute works or of Reg E laws and guidelines. I have done research and see that there have been other customers from Chime that have had their claims closed within minutes or not thoroughly investigation at all and causing customers hardship. I am requesting an overhaul or thorough investigation to be completed on my dispute, along with a coaching and training opportunity with the Chime disputes and fraud team. I do not have confidence that my funds are or will be protected by this company.
Product: Checking or savings account

My credit card was charged {$150.00} for XXXX XXXX! I told my bank it was fraud! My bank still took the money from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank is currently showing one late payment on Transunion for XX/XX/XXXX which I explained that I was affected by XXXX XXXX, and this should be XXXX protected. XXXX is showing one late payment for XX/XX/XXXX which should be XXXX Protected, and XXXX is showing two late payments on my credit report but only the XX/XX/XXXX is visible for which should be XXXX  Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date. XXXX XXXX Bank sent me a letter advising that late payment for XX/XX/XXXX and XX/XX/XXXX were done in error and will be removed from my credit report but every time I dispute it with Transunion, XXXX, and XXXX they keep stating that the late payments are accurate. I'm not sure how ethical it is to just reply that the late payments are accurate if the company itself is saying that the late payments were reported in error. Please remove from my credit report.
Product: Debt collection

On XX/XX/XXXX, a representative from XXXX, XXXX XXXX XXXX stated that a sheriff would serve me in my home with a court order and that I was in serious legal problem. I was informed that XXXX, XXXX XXXX XXXX had already processed the court order claim and that I should have checked with the court for my hearing date. She added that the hearing court had passed, and the sheriff was coming to my house. I mentioned that I should have received prior communication from them when filing a claim with the court. The lady was adamant in repeating that I was in serious legal trouble. 
I had contacted XXXX, XXXX, and XXXX in response to a letter from them explaining that I had filed a cease and desist letter in XXXX to a prior collector for the same debt. I further explained that I had been a victim of credit fraud and the charges were not mine and that I had filed my case with the FTC and Virginia
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following incorrect information from my credit report, it is inaccurate I'm never live in thefollowing addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, CA XXXX. And the following names are incorrect my name is " XXXX XXXX XXXX XXXX ''. Pleasedelete the following incorrect names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. Incorrect employer : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. Also delete the following unauthorized hard inquiries these inquiriesis not belong n to me. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My business recieved a wire in the amount of XXXX for a XXXX XXXX Transaction. I made payments to my my employees and withdrew funds leaving around XXXX available in my account. I then was asked from the customer that I purchased the property from to deposit their check from the closing proceeds into my business account. The check was then dishonored by Truist bank and they also closed my account as a result. I asked them to perform a legitimate investigation to prove my funds were in fact legitimate. However, they never disclosed how the determines that they were going to place my funds in a recovery account. They also never disclosed there process of there investigation. My funds are being held even after I provided the documents from the Transaction. My documents were never honored.
Product: Credit reporting or other personal consumer reports

Foremost, CAPITAL ONE is in violation of 20 U.S. Code 1232 G. It is illegal to report any transactional history including balances, negative remarks and late payments. I am requesting a date of paid as agreed. Furthermore, it my understanding this indebtedness is considered a Certificate of Indebtedness and was charged off and/or paid in full in XXXX. Due to this being considered income, this charged off account should be paid in full and closed from all credit reporting agencies under 15 U.S. Code 1681. Also, interest made from Treasury coupons should be credited to the account. Please consider this, your opportunity, in good faith, to correct. Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, CAPITAL ONE is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, etc. As previously stated, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99. Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, indefinitely, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} - Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX Late/Closed XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$59000.00} - Late/Open
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to adequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Long story short ... 5 months to close construction to close loan. Explained via e-mail about the changes in the disclosure from original conversation/agreement. Closed today,  XXXX   XXXX . They decided shortly after the closing that the disclosure and payout were actually incorrect. The bank and title company want the moneys returned from every one ( title   company and builder/seller ) and a new closing. The title company called and told our builder that they would have them arrested if they did not return the money n ow ( today    XXXX   XXXX   XXXX ! ( I have the recording ). In light of this the bank agrees to use another title company but they say no we have to re-visit the loan and the disclosure and sign again. We just want our money back.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

I applied to Wells Fargo XXXX branch to re-finance a second mortgage -- also called a line of credit. I lifted a freeze from all XXXX credit reporting agencies before doing so. I called Wells Fargo because I understood from another mortgage company that only a few banks will re-finance a second mortgage. It is a small second, {$15000.00}. I spoke to loan officer named XXXX XXXX at length in XXXX. Wells has a minimum of {$25000.00} but XXXX said it was do-able as long as my house appraised at {$110000.00} which is no problem in the XXXX, Fla. neighborhood where I live. It already hit {$110000.00} XXXX years ago when I took out the loan with XXXX XXXX. 
XXXX was very positive after getting information on my income. But, the same day, when she said she pulled my credit report, she said I had a score of XXXX which would not even qualify me. That was XX/XX/XXXX. 
I was floored. I have never had a score that low ; I have never not qualified. I bought my house in XXXX. I re-financed in XXXX and got a line of equity in XXXX. I can not fathom this. 
a few days later I was able to speak with a representative with XXXX and I told her looking at my reports, I can not see where my score would suddenly drop. 
She said my score, in fact, was XXXX on that day, at that time -- AND THAT WELLS FARGO NEVER viewed my credit report, it would show up, which of course they all do. I called XXXX, and said there was no Wells Fargo looking at my report, and that my score then that day was XXXX. This was on XX/XX/XXXX because I waited until I got the paper report sent to me from XXXX. 
XXXX said to the effect, oh I do n't know how " she '' got that score -- meaning the underwriter, and to scan and email my report. I do n't think so. It is clear, they just saw where my house is an made a wrong assumption that it is in a bad area. 
I live in XXXX XXXX, which is an up and coming area, a very hot market in fact. But if you are behind the times, property values might look depressed as XXXX XXXX is an old, re-gentrifying neighborhood, and has a higher crime rate. However, the bungalows are in high demand. A comparable to my house sold in one week for $ XXXX higher than my loan and it is only increasing. 
I do not believe their turn down was based on a rational score, or on anything rational, but was a case of red-lining, or discriminating against me based on where I live. 
It has nothing whatsoever to do with my ability to pay, or my house as a property. I do n't think they even looked at my credit report, but someone who works at Wells just blew me off for reasons that are illegal. 
Please find attached a copy of the page that came with my credit report from XXXX that showed my score on that day. My score has only gotten better, too, after XXXX inaccurate items were dropped.
Product: Debt collection

I have raised the request to CFPB earlier against the compliant # XXXX. I have submitted a dispute to XXXX  and they have never responded me. XXXX system has an issue. I have ordered the phone and returned within a week. They refunded me the devices and in the system, start charging me the line rent. I received three bills and I kept visiting the service centers to close the lines. As per Service Centers, lines are closed and I dont owe any money because I have never used XXXX lines, it was system 's behavior and they will fix it however, I am getting queries from the debt collection after every XXXX  months. I have recently reached by another debt collector " I.C.Systems Inc '' Phone XXXX and asking for the money. Please help to resolve this issue. Thank you.
Product: Credit reporting

I have been for a month trying to work with equifax because I am paying for monitoring service and not able to update my report. I continue to get a fail code in which I am going to attach a copy of the code. I have been on the phone with personal solutions and they have been no help. I can not continue to pay for a service that I am not getting the benefits. On top of this my credit file is locked and i can not unlock my file either. I need this resolved ASAP
Product: Checking or savings account

today XXXX, i got XXXX emailsafter XXXX from chime stating that they were closing my accounts i have XXXX different types of accounts with them savings checking and a creditbuilding account. all of them were in the positive balance. i recieve my social security XXXX income check on the XXXX of the month through chime s checking account. i also recieve XXXX dollars on the first of the month through chime from XXXX  which is a supplemental check so through direct deposit i recieve my money every month. i checked the emails which ill include, i went to sign into chime abd it said sorry account has been closed and i couldnt sign in i have XXXX cards XXXX is for the debit checking account and the other is for the creditbuilder axxount they no longer are good now. i called the customer service line of chime financial inc. i spoke to a representitve named XXXX ref # XXXX he looked it up and told me that yes your accounts are closed and i asked why my accounts were closed and where is my money from my accounts. he said that basically the computer does everything and i cant get my money back nor can i have my accounts open, i asked for a manager/ supervisor to speask to and not an answering machine. and gray transfered me to a manager from chime named XXXX and XXXX the manager from chime who i spoke to asked him same questions got placed on hold and he also came back and said that he checked twice and it doesnt really say why my accounts got closed, but he said since there alredy closed i cant open them and i asked about gertting my money and he said he cant do that, and they have the recorded phone calls, i cant even sign into the acounts to print out a statement they just closed them and took my money and here i am. all i have are my chime cards the XXXX emails and i cant sign into my account to print any thng t0 show you what was in the accoiunt i know it wasnt a lot of money but i live off of my XXXX  and XXXX XXXX XXXX XXXX XXXX  and now my, omey is heading to chime again because of the dates the direct deposit wont be changed in time takes 2 months sometimes. chime couldnt assure mee that if my XXXX  and XXXX  gets sent to my closed account that it will be returmed they dont know so chime could get XXXX more months of my money i have a wife and XXXX children a lot of bills. i need this fraud to stop happening i feel like they robbbed me and then thats it they get away with it probably XXXX percent of thre time. they will have statement that will show you my accounts were all in the positive/ so this is one action im taking and the others i explained above. and if i have to ill get a lawyer, i also filed a report with the better business bureau, and this is just another step im taking hoping i can get my money back, and some answers.