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

On XX/XX/2018, I spoke with Wells Forgo about refinancing my car loan. At that time the information I received I knew there was no need to run my credit. There fore I asked them not to, but they did without my consent anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have an account with this company XXXX  EDUCATION. My loans have been settled from XXXX and the only loan I have is a private with another l lender. 

This company XXXX XXXX has never been in contact with me via mail or phone. I've disputed several times and the credit agencies are not investing properly.
Product: Money transfer, virtual currency, or money service

Chase will not let me transfer funds to accounts that I own. Chase will not give a valid reason for cancellation of transfers even after ID verification. Chase will not let me schedule ACH or wire transfers even after contacting customer service. Customer service at Chase is making my transactions from my account very difficult
Product: Debt collection

This company has recreated accounts for a medical debt that should not be on my credit report. They did this previously. I challenged such it was taken off. They have found a way to RE-AGE this bill and place it again on my credit report. I will be taking this to the state attorney office for further follow up. I will need a detail account of this bill to see what is owing and who this belongs to.
Product: Debt collection

National credit systems is attempting to collect a debt not owed. The lease was terminated in civil court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  should not be reporting to Equifax ; XXXX and XXXX a repossession on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in rehabilitation for medical reasons and was given permission to turn the vehicle in per extenuating medical circumstances with no penalties. XXXX XXXX XXXX granted this request. This false reporting that this was a repossession is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX {$180.00} showing 90 days late I am disputing this item. 
According to FRCA Section 605 B It is illegal to report information on my credit report with my permission. Thank you Please remove this from my credit report.
Product: Credit reporting or other personal consumer reports

Company in Violation of this XXXX Account # XXXX Charge of accounts are considered, certificates of indebtedness, pursuant to I.R.S publication XXXX and it is now considered income and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974. 
The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records. 

IRS Publication 4681 Canceled debt : If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless XXXX of the exceptions or exclusions described in chapter XXXX applies.
Product: Credit card

After noticing unauthorized charges in my XXXX  XXXX bank account I researched on my own and contacted Goldman Sachs bank. 
I was told an account had been opened in my name. I closed the account in question. I could not verify information that was on the account, and the bank account had been changed to a different bank by the time I contacted them. The address on the account was in Hawaii. XXXX XXXX lost my luggage in Hawaii previously and my computer was in it. After checking my credit report several accounts had been opened in my name with my information and then changed to secondary accounts overtime. My mail had been forwarded to Hawaii from Georgia for several months as well. I often travel for work ( 200 days out of the year if not more ) and did not notice this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company wont provide information that the loan belongs to me
Product: Debt collection

HI, This company has sent several wage garnishment threats to my employer. 
Which my employer said, We need the court order. 
We can't process with out a court order.
Product: Mortgage

my problems with phh mortgage corporation started over a year ago with them not being able to process late payments in a timely manner, giving me incorrect information on what was do and when, accepting phone payments that should have been credited to my account to then turn around and say sorry we sent a check back to you the XXXX check took 2 months to be returned to me the XXXX time it happened it took 4 months after them telling me on a monthly basis it was resubmitted and I should receive it soon. during this terrible time of dealing with their customer service and all the inaccurate information received from them I found my home in a active foreclosure status. in XXXX with the help of the great people at the Minnesota XXXX I was able to make a large payment to phh mortgage corporation that according to their customer service rep put my account completely up to date and that my next payment was due in febuary.even though my payment was much larger then what was due even after late fees were removed ect. I have requested a actual breakdown of what they credited the money towards but have not yet received a response. if it was not for the Minnesota XXXX contacting phh mortgage on my behalf none of this mess would have had a positive outcome. but my struggle with them is not over when I received my bill for febuary it was double what my normal monthly payment should be.i then discovered back in XXXX when I informed phh mortgage corporation that I was paying my property taxes myself the customer service rep told me not to do so I am sure what happened is they were planning to foreclose on the house so they paid everything because it served their needs best.i was given a phone number to liason to the president of XXXX mortgage who uses phh mortgage as their servicing agent to call her if I have any more problems, i have left her XXXX messages in the past 3 weeks and received no response. I do not trust them when customer service tells you different that what comes in the mail, when they tell you your account is current and up to date but its not, they tell you a check is in the mail and it takes 4 months to arrive and your given a number to contact to help make things right and she answers and never responds to a message
Product: Credit reporting, credit repair services, or other personal consumer reports

s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me  and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Product: Mortgage

I felt forced in the last minute to pay a rate lock extension of {$810.00} because the appraiser selected by the bank ( Wells Fargo ) took almost 2 months to provide the appraisal. If I did not select the rate lock, terms would change and the whole process would be delayed for at least another month.
Product: Credit reporting or other personal consumer reports

I checked my credit report today and found XXXX accounts that I do not recognize. These accounts are XXXX XXXX, XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have contacted the companies and discovered that I do not have a signed contract or consent agreement with any of them. The negative information on these accounts are hurting me and my credit worthiness. And also causing me privacy issues. I only operate in the private for my protection and the protection of others. Therefore, I am seeking redress to demand the accounts be permanently deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries on my credit reports and the CRAs will not remove. I'm providing an Identity Theft report, as I have found out I have been a victim of identity theft. I'm requesting they be removed from my report as they are inaccurate and not mine. EXPERIAN : 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 via XXXX XXXX XXXXXXXX Experian has previously responded that they verified as accurate but provided no proof of verification such as my signature or approval of these inquiries.

I want these inquiries DELETED, as they are not mine and not authorized on my report as to protect my identity and consumer information privacy.
Product: Checking or savings account

On the morning of XX/XX/2020, I attempted to transfer funds from my Citibank " Accelerate Savings '' account ( balance approx. {$200000.00} per Citi website ) to my XXXX  XXXX XXXX checking account, which I had previously linked to my Citi account online via the Citi online banking website. I spent approximately two hours on the Citi website attempting to make a transfer -- starting at {$24000.00}, for which I received an " exceeds daily transfer limit '' message. I then attempted approximately a dozen more transfers in descending dollar amounts, ending in a mere {$2000.00}, and received the same message every time. I then started trying to call Citi customer service. After waiting twenty minutes to get an agent on the phone, she " accidentally '' hung up on me -- - and then this same thing happened two more times in a row. When I finally got someone who didn't hang up on me ( " XXXX, '' who wouldn't give me his last name or badge number ), he told me he could get someone to facilitate a {$50000.00} wire to my XXXX joint checking account. He said the {$25.00} fee could be waived. After another 25 minute wait, the person he transferred me to ( " XXXX '' ) said the fee could not be waived. She facilitated the wire transfer and told me it would clear in 1-2 business days. Twelve days later, it still hasn't cleared and no one answers the customer service line XXXX told me to call. This morning, I attempted to withdraw {$2000.00} ( the daily ATM withdrawal limit per the Citi website ) from a Citi ATM, but it only allowed me to withdraw {$400.00}. I again called Citi 's customer service number and waited on hold for 14 minutes, but no agent ever answered. I have since read scores of complaints that Citi makes it impossible to withdraw funds from the " Accelerate Savings '' account -- obviously with the intent of holding the funds longer and increasing the bank 's profits. I have been practicing commercial law for 22 years and regularly represent clients in litigation against banks. I am considering legal action against Citi.
Product: Credit reporting or other personal consumer reports

Experian credit bureau continues to and/or refuses to : 1 ) update incorrect information related to personal information of my name. I have made attempts to have them update my legal name listed on my BC, SSN and DL but they continue to use my former name and also use my daughter 's name as AKA which her name is spelled different with a different middle initial as well. 2 ) Experian is making use of improper use of my report with credit inquiries from unknown sources that I do not recognize nor has applied for during months inquiries were reported. 3 ) Experian has refused to honor a dispute regarding a debt collection agency who reported a Medical bill thereby violating my HIPPA rights and with Company refusing to submit proof of debt and/or medical bill- XXXXXXXX XXXX XXXXXXXX ( at which I contacted and requested but never received ). Rather than remove dispute, Experian failed to properly remove the debt collector due to my Fair Credit reporting rights and company 's violation of my HIPPA rights 4 ) Experian information if far outdated with inaccuracies and does not reflect similar reporting information and FICO score as my XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Tennessee Bank reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off First Tennessee refuse to recognize their mistake.
Product: Credit card or prepaid card

On XX/XX/XXXX u tries to use my card it was declined. I called the number on the back of my card. Ams it says my card has been reported stolen when tring to order a new card it directs me to a representative upon speaking to some one they laugh telling my account is frozen and i will no longer have access to the account. they suggested sending a copy of my id amd ss card and again state that. There will be no way for me to access my funds which total the amount of XXXX dollars.. When asking wjere the. The money goes they again laugh telling me that the money will gonback to the state and i will not be able to get it .. The money is from my unemployment oregon .. I have call unemployment and they refer me back to the bank.. I need help. what can i do to get my money out of this account and into my personal checking account.. This can not be right what they r doing. The prepaid card that the unemployment deposites my benifits to is the usbank relicard. I have since changed futer payment to be deposited to my personal checking. My usbank relicard has XXXX dollars of my unemployment money on it .. So basically they r telling me they r keeping this money laughing about it and there is nothing i can do about it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted letters identifying the errors on my credit report in hope of resolving the errors. I have provided ample information to identify myself. I have discussed the errors over the phone with the major credit bureaus. I have shown them in numerous instances where the information is erroneous. Please see attached letters. 

On XX/XX/year> I submitted another letter to the FCRA section 611 ( 15 u.s.c. 1681 ( 1 ) and the accepted standard of metro 2 data field reporting. challenging the erroneous data in hope of making sure my credit is in good standing. Please see attached letters corresponding with dates. 


On XX/XX/year> I voiced my concerns regarding the validity and accuracy about recent preliminary inquiry of the accounts reported on my credit report. About 30 days ago and did not get any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX ct/ XXXX XXXX Date open XX/XX/XXXX Amount XXXX Account was deleted XX/XX/XXXX from Experian credit report but the same account continues to reappear back on credit report
Product: Student loan

The loan was disbursed on XXXX for {$9400.00}. My balance is currently over {$9500.00}. I made a payment on XXXX, XXXX, and XXXX All payments were {$110.00}. The interest rate it suppose to be a fixed rate of 14 % but my balances increased with XXXX payments. I reached out to the company to discuss matters being the loan was given to the XXXX XXXX XXXX in XXXX. The college was far from what was portrayed online. I was not offered a job after graduation like they promised. I had to make several calls because my diploma was not mailed to me. I completed all the assignments and went through a natural disaster but the school would not work with me. They tried to force me to fail & get stuck with a loan without passing. Once I got to college, the class was in XXXX room in a big building and not like a university. I was not even posted in the class graduation picture even though I graduated. The college seemed like a scam once I was already in with the loan but I couldnt cancel the loan. I believe XXXX is working with the XXXX XXXX XXXX to get people stuck in high interest loans without jobs and putting people in hardship. Im struggling to pay on this loan now and not satisfied with the college.
Product: Credit reporting or other personal consumer reports

I noticed this problem on XX/XX/XXXX Account name : BK OF AMER Account number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$750.00} Account name : XXXX  XXXX XXXX Account number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$10.00} Account name : XXXX  Account number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$520.00} Account name : XXXX XXXX XXXX Account number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$670.00} Hard Inquiries Inquiry name : XXXX XXXX Inquiry date:XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date:XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date:XX/XX/XXXX
Product: Credit card or prepaid card

I used my XXXX XXXX  card to purchase a {$140.00} flight ticket through Paypal on XX/XX/XXXX. The transaction was marked as fraud by XXXX and requested the dispute. After I noticed that, I called them immediately to confirm it's not a fraud. XXXX closed the dispute on XXXX and sent the money back to the Paypal. However, the money was held in Paypal without any confirmation and notifications with me or the bank since then, which caused my flight was cancelled on XX/XX/XXXX and I had to pay {$350.00} to book the same flight due to the pricing change. The {$140.00} is still held by Paypal with no action even though the trip had been cancelled for almost one month. 

I called Paypal twice XXXX XXXX XXXX XXXX XXXX to return the money back to my accounts, they said the transaction is still under investigation, and someone will review the transaction and confirm with XXXX about the dispute but no update/follow ups till now.
Product: Mortgage

While searching for a Mortgage Lender to re-finance my home at lower interest rate and for XXXX years vs XXXX years, this company offered the best deal. They initially offered a 3 % fixed mortgage w/ no closing costs and a credit of {$400.00}. I was requesting a subordination of an equity line of credit and was advised that we could not lock in on the rate until the subordination was approved. As the process went on w/ normal delays, the rate went up slightly. I had already paid {$400.00} for an appraisal fee. When we were getting ready to finalized the process my mortgage banker told me that they would not be able to offer the " no closing costs '' option and said in order to continue I would have to pay approximately {$4000.00} in closing costs. At this point I decided to discontinue the process and go elsewhere. I can understand the rates going up but the offer of no closing costs took me by surprise and upset me. I went back to my current lender and they offered me a lower rate and closing cost option.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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 proce 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 have caused significant inconvenience and XXXX. 
financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I SENT A NOTICE TO OPT OUT AND REQUESTED FORM TRUST AGREEMENT AND CONSUMER CONTRACT.THEY NEVER PROVIDED ANY CONTRACT THAT LIST THEM XXXX OR XXXX AND I XXXX XXXX .IN ADDITION TO THEIR LACK OF DOCUMENTATION I WAS NEVER PROVIDED DETAILS TO OPT OUT AND NEVER AGREED TO DO BUSINESS WITH THEM. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to you written, un-written, verbal, and non-verbal per 15 USC 6802. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting effective immediately.