23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Investigation into an issue has taken more than 90 days! Dispute number XXXX investigation started in XXXX of XXXX, to investigate an improper account on my report. XXXX  XXXX XXXX should not be reported on my consumer report as it was found to have fraudulent information. I had already filed a police report and a claim with my local police department as well as the CFPB and the FTC. The account was removed! But Transunion continues to repost this account. When starting a new investigation they have refused to address this matter. See Dispute number XXXX Filed in XXXX XXXX XXXX. By consumer law this account needs to be removed immediately ( XXXX  XXXX XXXX )
Product: Money transfer, virtual currency, or money service

XX/XX/2024 ; a sender sent {$3500.00} to a Chase Account/ secure debit account. 

Registered product XXXX XXXX  XXXX, it acts like a bank account with a debit card attached, receives direct deposits and has monthly fee of {$4.00} per month. Only if Direct Deposit is added ; monthly fee is waived. 

The sender bank was told the account is open and valid ; although doesn't accept incoming Wire Transfers, although accepting Direct Deposits. 
The sender advised the sender bank ; ... .Chase could have credited the Total Checking Account instead of asked to correct the Account number;... instead Chase is holding the funds on wait list to return funds back to sender. After XXXX -- hours Chase has not returned the funds back to the sender. 

Leaving my account with XXXX dollars, nor has made the wire transfer back to the sender. Chase advertises the XXXX account brand as an essential account for consumers, although the restrictions or limitations aren't transparent.
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX XXXX issued by Barclays bank. I recently received my XXXX billing statement and noticed the annual fee renewal notice. The notice mentioned that my account will renew next month and an annual fee ( {$99.00} ) will be billed next month. Barclays has changed card benefits twice in the past year, which impacts the value I receive. I've previously called to opt out of changes and request a copy of the card 's terms, but they never seem to be able to provide them. Due to this type of frustration, on XX/XX/19, I called customer service to mention that I did not get enough value to justify the annual fee. The fee notice specifically mentioned calling to " discuss alternative products that may be available or to close your account so that the fee will not be billed. '' The phone agent, XXXX, attempted multiple times to resell me on the card benefits and said he was unable to waive the annual fee. I had not asked about a fee waiver, but kept asking about the alternative products mentioned in the statement notification. The agent told me he couldn't offer my any alternative products and wouldn't waive the fee. He told me my only alternative was to close the account. I responded that I might close it, but that wasn't my first choice. I didn't like the agent 's tone or attitude, so I asked to be transferred to a supervisor. The agent resisted making the transfer, but I insisted on speaking with a supervisor. At that point, the call was disconnected. I can't say with certainty that the agent hung up on me, but it wouldn't surprise me. 

When I attempted to call back and speak to another agent, I found out that XXXX ( the prior agent ) had closed my account. While this may have become the ultimate outcome, the agent had clearly closed the account without my express permission. I was able to speak with another agent, XXXX, and she confirmed that the prior agent closed my account. Given the poor service, I'm fine with ending the relationship with Barclays, but it's clearly a violation to close a customer 's account without express permission. Closing an account has several implications and closing an account without permission can not be condoned or permitted.
Product: Vehicle loan or lease

Loan was completed through drive time, no paperwork received. I have been paying an extra XXXX each payment, XXXX per month to pay down sooner. Was recently told by bridgecrest that only XXXX was paid towards principle this year.. 
Asked for a breakdown and was told for each XXXX paid, XXXX was to fees and interest. 
Would like Bridgedcrest to correct the interest rate to a fair rate that gives me the ability to payoff in a timely manner. Would also like paperwork for this agreement. 

Current payment is XXXX bi weekly. 
Loan # XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account. 
A previous call with a supervisor around XX/XX/XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX. 
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account. 

These details can easily be verified via a transcript of the calls which per the creditor are recorded. 

This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.
Product: Credit card or prepaid card

On XXXX XXXX I entered into a payoff agreement through XXXX XXXX XXXX to pay off my debt to USAA. Part of the agreement was to change the due date to the XXXX. USAA has not done this and is charging me late fees. They are also taking the payments from XXXX and applying them to my past due amount.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. Regrettably, since my initial contact, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent item within the exact timeframe of receiving this letter. I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Received un unsigned letter from Ford Credit informing me that they had unilaterally increased the amount of my loan by {$1500.00} due to a maintenance contract. The maintenance contract had been paid by a Visa card. I have the receipt. 
A company should not be permited to 1 ) increase the amount of the contract ( loan ) without prior approval. 2 ) should not be permitted to send out a letter such as this without a name, phone number and/or e-mail address to respond to. 
My understanding of the Dodd Frank legislation is to prevent things like this from happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Inquiries do not belong to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was making monthly payments of {$270.00} to Navient for nearly 2 years, then suddenly in XX/XX/2017, my payment skyrocketed to XXXX a month. 

I called them and was told to submit paperwork to lower the monthly amount. They didnt process the paperwork ( this was around XXXX ). Then when I didnt get a response, I called and the customer service rep was rude. 

I called again and that rep told me the paperwork wasnt processed because they couldnt read my pay stub. I resubmitted it, then I was turned down for the repayment plan. I initially filed a complaint with the better business bureau over this, to no avail. 

They have made my life miserable. Im broke paying what I can here and there. Im afraid to call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was notified several times about reporting of Bankruptcy. 

On XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 I requested them to remove the dismissed Bankruptcy. 

On XX/XX/2020 Experian stated the company that reported the information has certified to Experian that the information is accurate. This company was XXXX XXXX. 

On XX/XX/2020 XXXX XXXX sent me a letter stating they deleted the bankruptcy after reinvestigation. 

On XX/XX/2020 I sent another letter to Experian asking how did you verify this when they sent me a letter stating it was removed two months before XX/XX/2020. I received no response and the bankruptcy remains on my report.
Product: Checking or savings account

Incorrect order of transactions, incorrect NSF fees and deposit holds
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I used Paypal to transfer money to a friend. They refused the transaction immediately due to Paypals fees. I then used XXXX thru XXXX  XXXX XXXX to complete the transfer. 5 days later paypal tried to take the money out of my account overdrawing it. I called paypal and they initiated a refund they said could take 5 days. This withdrawl was cancelled 5 days earlier and they still took it. On XX/XX/XXXX my money was finally refunded and I thought it was handled. 

Last night XX/XX/XXXX Paypal once again took out the money from my checking account. I was told by Paypal that it should not have happened. Now the amount was {$4800.00} and I am sure any interest collected on that money when paypal has it is not paid back to me. In addition I have bank overdraft charges that are due me. 

Paypal is almost impossible to deal with and I still do not have any resolution. Please help.
Product: Checking or savings account

On XX/XX/2022 I received an email stating that my Chime debit card account email had been changed. I never opened such an account. I was unable to get anyone at Chime to answer the phone and so I emailed them that day stating that the account was fraudulent. I have yet to receive a reply. 

On XX/XX/2022 I received a piece of mail which was forwarded from my former address to my current address. It was a debit card with routing number and account number listed. I again emailed and tried to call the company, whom I was able to get on the line but was told that they only resolve fraud complaints via email and I would be contacted within 24 hrs
Product: Checking or savings account

XXXX fraudulent transaction for {$990.00} on XXXX. Another on XXXX. 

Called USAA, bank acct on hold. I no longer have access to my own acct. I can not pay my credit card bills. 

USAA will not reimburse my account, they would not cancel the fraudulent zelle transactions even when I saw the transactions were still pending. I called to report within a few minutes of second transaction They say this may be under review up to 90 days. If this were a credit card company, they wouldve given me my money back already and even apologized for the inconvenience
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX ( Original Creditor : XXXX XXXX CALIFORNIA ) XXXX Balance XXXX {$11.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

There is an unrecognized account on my credit report that I did not authorize. I suspect this entry may have been created due to identity theft or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The chime Bank close my account without warning on the XXXX of XXXX right before my SSI XXXX XXXX  got direct deposited into my account and I didn't know anything about it being closed until the XXXX right on that day and they said it's because of something to do with my direct deposit and now they are hanging on to my check instead of sending it back to SSI so they can send it to me so I can have my XXXX XXXX to pay my rent and my housing cost and now it's going to cause me to be kicked out of my apartment and be homeless cuz I don't have no money and I have no way of getting any money that's all I had to keep me going for the month and to pay my bills now they're trying to say it's going to take a month just for me to get my money through them and I thought it was illegal for them to keep the deposit that come into their Bank especially when it when it's closed bank account and they're supposed to be turning it automatically to the persons that send it to them which is SSI and not hold on to it and I told him I need my money right away so I can get my rent paid and all that and they said well sorry about other inconvenience this and that and they don't care now I'm going to be homeless and I don't know what to do about getting my money or getting money to pay my rent and and the stuff that I need for my for my place I can't even get any toilet paper then on anything else cuz of what they're doing to me and everybody is going through that that has SSI XXXX XXXXs or Social Security checks I strongly suggest don't go to this Bank especially when they close you out without any warning whatsoever and I hang on your money and makes it so you can't even pay your own rent at your bills that's not right to us people that are XXXX and very heavy money to start out with
Product: Credit card or prepaid card

Upon checking my credit report, I noticed a card issued in my name but was for a company account that I did not authorize. I have repeatedly requested from Chase Bank that they send me the signed agreement which they have not done. 

It has been over 10 months and nothing from Chase, no proof of any contract that I ever signed.
Product: Credit reporting

I was reported for greater than 7 years ( XX/XX/2007 ) for a NY State paid tax lien and transition and equifax continue to report it and the law states that paid tax liens should not be reported for greater than 7 years and it has been over 8 years.
Product: Student loan

I was informed by   XXXX   college that they would be able to secure a job for me after completing their program despite that fact that I had  XXXX . I informed them prior to enrolling, in   XXXX   XXXX  < that I had a   XXXX   and they informed me that would not be an issue. Since completion of the program in   XXXX   XXXX  , I have not been able to secure a job. The original loan provider was Genesis. They were closed down by the government due to misrepresentation. The loan was then transferred to   XXXX   XXXX   XXXX  . I was informed that students who attended between  XXXX  and your loan was fraudulently provided, they were to be forgiven. This has not taken place. The collections department has called repeatedly for payment. I have been paying on the loan since  XXXX . Since the government closed Genesis due to fraud,   XXXX   XXXX   XXXX   should not continue collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} ; XXXX XXXX Balance Owed : {$660.00}
Product: Checking or savings account

Account is frozen due to my fault because of their predatory set up for money transfers. I try transfer money between my savings and checking but it defaults to transfer from my XXXXXXXX XXXX  account to Sofi. If I forget to select my Savings account as the account to transfer from it automatically tries to transfer funds from my XXXX account leading to Returned payment and this is why they froze my account. There is no way to cancel these transfers so once it's initiated it can't be undone. 

I received an Email my account was frozen and then I got an email that it was unfrozen. But nope, still frozen and when I call them they say oh sorry we already escalated your claim just keep checking your app for updates. All my finances are in sofi and I will be closing my account if this issue is not resolved today