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

I have asked XXXX XXXX AND all 3 credit bureaus to investigate some things that are reporting on my credit report. 

I have been asking since XXXX of 2019 on more than 4 times! 

I will be attaching a screenshot from my most recent credit report. But you can see the following information is reporting inaccurately, on multiple items.

1. Accts type - this is NOT a auto loan. This is a retail sales installment contract 2. The monthly payment is incorrect! I do NOT have a monthly payment, as this has been PAID in full!!!

3. The date opened : XXXX is reporting different things to the 3 credit burueas 4. The No of months of terms is inaccurate 5. The payment status is inaccurate 6. The Date Last Active is inaccurate 7. The date of last payment is inaccurate 8. The payment history is also inaccurate. 

I again have asked them on MULTIPLE occasions to please be sure to report the information accurately and to be sure that if they can't to please update. I will attach every letter that i have sent as well as the most recent reply from them when i asked XXXX directly to do so and for proof. 

They clearly like to play games and not abide by the law!
Product: Checking or savings account

I open an account on Sunday in Bank of America, after approved, I added my direct deposit, they closed the account without saying or sending me an email, calling me, nothing. My direct deposit went through and they refuse to give it back until 10 business days.
Product: Vehicle loan or lease

I am unsure if this is the right " reasoning '' but i feel as if GM is being a bit unfair with me. I have had two individual GM Financial accounts for {$70000.00} a piece in the last couple of years. Even though I fell into hard times and had to pay late, I never complained. It was my fault. In XXXX of XXXX, I contracted the XXXX XXXX, and it was as bad as they say. I was XXXX XXXX for a week and XXXX  for 2 more. I was not able to work and therefore was not able to bring home a paycheck and I was late on my payment in XXXX of XXXX. I was last late before that in XXXX of XXXX. That was my fault and I expect nothing for that. In XXXX though, I was very ill, and I paid late because of that, and I paid off my loan that month as well to make sure you got all of yours. 
They said " they are required to report accurate information to the credit bureau '' in the auto response they sent me after i sent TWO letters begging them for help. I know this is true, but not entirely. GM has forgiven late payments in the past. I was able to speak to people, look it up online, and find confirmation of this. I am not sure if they call it forgiving a late payment or if they just recall their " reporting " for that month, but either way, i know they can help me here as they have helped others. All I got was an auto resposne. Seeing as how i have done so much business with them in the past, and could possibly do some in the future, i do not think this is out of line at all. I would like ONE MONTH, either not reported or modified, that is all, and i know they can do it. The month i would like looked at is XXXX of XXXX. I will attach the two letters i sent and what they sent back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and need to be REMOVE COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Apartment complex XXXX at XXXX XXXX in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, where I happened to reside temporarily. I summited an application to become roommates with the person already living there XXXX XXXX back in XX/XX/XXXX. Application was then approved. Fast forward to a few month 's later XX/XX/XXXX. I managed to get an apartment for myself in which I was needing rental history. Which then I went over to the leasing office at XXXX where I happen to find out there was never a new lease made with my name on it showing proof of me being a resident there. That brought upon many issues as the apartment complex I was wanting to move into needed that history before approving my application. The manager of the leasing office at XXXX was made aware by another employee that my name or information was not a part of the current lease they had in hand. Therefore, the manager had to email the new complex and let them know of the office error for them to approve me as it had nothing to do with me not completing what was needing on my end. The new apartment complex at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, then approved me. Later on XX/XX/XXXX I receive an alert that an account on my credit has been open owing {$260.00} from Genesis Credit Management that XXXX is now billing me for rugs I am not responsible for as I had no bedroom in that apartment. Now I have this debt lingering on my credit effecting my score and my future home purchasing. SOMEONE PLEASE HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to try and fix fraudulent addresses, names, and accounts on my credit report from Transunion, XXXX, and XXXX, I haven't had any results or verification from anybody. The only name that should be on my credit report is XXXX XXXX XXXX. The only address that should be reported on my credit reports from all 3 bureaus should be as followed : XXXX XXXX XXXX, XXXX NC XXXX. All these other addresses are fraudulent. These fraudulent accounts need to be removed they are not mine and they won't investigate my claims. These are the fraudulent accounts as follows : 1.XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX acct XXXX XXXX 3.XXXX acct # XXXX 4.XXXX XXXX XXXX acct # XXXX acct # XXXX
Product: Mortgage

The mortgage is with associated bank. 
A payoff was ordered from a company I was refinancing through. 
Associated bank cancelled my automatic payment withdrawal and didn't inform me they cancelled the payment. 
I know have a 30 day late on my credit. 
As soon as I found out they didn't take the payment automatically, I went into the bank and made the payment. 
However, it was the XXXX of the next month. 
XXXX 's payment was marked as late on my credit, because associated bank didn't take out the automatic payment withdrawal and didn't tell me, or mail me anything. 
I went into the bank and requested they provide a letter that they made an error and they refused. 
I've never had a late payment on my mortgage in the past. My refinance fell through because of the late payment as well. 
I would like the late removed from my credit, or the letter explaining that associated bank cancelled the payment in error. 
Thank you
Product: Checking or savings account

I signed up for a business chase bank account. I requested my bank checking account to be set to an upgraded account where the service fee is {$30.00} per month and cashier checks are FREE. Chase Bank has been charging my company checking account {$10.00} per each cashier check since XX/XX/2023. Chase bank made a mistake when they signed up my company-XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a customer and Chase bank refuses to admit to the wrong doing and make it right. Since I recognized the fees-I have made multiple complaints against Chase Bank all which took months to get a denial from Chase on. I still needed to use cashier checks to run my business so I was forced to continue using Chase cashier checks in the mean time while Chase reviewed my complaints. I have been requesting a refund for over {$1000.00} in fees on cashier checks for months with no results. Chase corporate office did say I have a good chance at getting a refund if I go directly to the chase branches where the cashier checks were originally made. After visiting numerous chase branch locations and speaking with the branch manager-every chase branch manager I spoke with said they could not help me with my refund and they recommended calling Chase corporate office for help. 

The last conversation I had with a Chase branch manager about this issue was with a chase branch manager located at chase branch : XXXX XXXX XXXX XXXX XXXX AZ XXXX in regards to this issue. Which my refund claim was denied. I have contacted multiple chase branch managers-one located at chase branch-XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX and another located at XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX I spoke on the phone with numerous chase representatives, made numerous complaints directly to Chase with little to zero results. All the chase branch managers and chase representatives I spoke with gave no clear reason as to why my cashier check fees can not be refunded. One reason was " tons of chase customers asked for refund of fees during covid so now Chase does not issue refunds on fees ''.

Chase bank made a mistake on my checking account, Chase bank took terribly long to act on my complaint, and now I have lost a lot of money. I have been hesitant about filing this complaint because Chase bank representatives have threatened if I continue to make complaints about this issue-they may close my account and terminate me as a Chase bank customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen. While I was trying to purchase my first home through a first time home owners program I was told when they pulled my credit that there was no way I could become a home owner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$970.00} XXXXL XXXX XXXX {$440.00} XXXX XXXX {$970.00} JXXXX XXXX {$790.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$790.00} XXXX XXXX   XXXX {$5900.00} XXXX XXXX {$14000.00} DPT ED/XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}
Product: Credit reporting or other personal consumer reports

The Bankruptcy Court does not report information regarding bankruptcy cases to any credit bureau, including XXXX, TransUnion, and XXXX, and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

I was looking over my credit report recently and found a bankruptcy and I am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. 


XXXX XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse 4. Which document did you obtain to verify bankruptcy?

According to the FCRA : I may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Product: Debt collection

Around XX/XX/XXXX, Capstone Credit & Collections began reporting a collection account to various credit bureaus from a supposed debt owed to an apartment complex from XX/XX/XXXX, XXXX XXXX. As this collection is not only inaccurate, but I never received notice of it before seeing it on my reports, I have attempted to dispute it. These attempts have been in vain. I have yet to receive any response or documentation of the supposed debt. XXXX XXXX never even so much as sent the required written notice that they were keeping my security deposit, as they are required to under Florida law ( it 's supposed to be sent certified mail, so there 's a record of it ). <P/>When I spoke with Capstone 's " collection agent, '' and asked for documentation of the debt, I was told to call the apartment complex since Capstone did n't have it. When I called XXXX XXXX, they said they did n't have it and to check with Capstone. It was the literal run-around. <P/>In an effort to find out what more I may be able to do, I discovered that Capstone has an F rating on BBB, with a 100 % negative review and OVER 30 complaints. The majority of which have to do with their shady collection practices. Though, I suppose it shouldnt come as much of a surprise. With more digging ( aka simple XXXX search ), I found that the owner, XXXX XXXX, is a five-time XXXX XXXX, and has been XXXX XXXX XXXX XXXX, XXXX offenses, and, my personal favorite, XXXX XXXX XXXX and then using it at a XXXX XXXX. It seems that breaking the law at the expense of others is only par for the course for Capstone Credit & Collections. How is someone like this allowed to report data to the major credit bureaus anyway? <P/>This may explain why they were unwilling to help me in regards to a collection that should never have been on my credit in the first place.
Product: Bank account or service

I have been in business for over 30 years. I own a XXXX. Up until about 4 years ago I was using a couple different bank accounts. Pnc bank came to my XXXX and got me to consolidate my bank accounts, credit card processing, credit cards, and lines of credit through them only. We accepted because there were multiple benefits by switching to one bank for our business and personal banking needs. Once we switched to PNC only, they were able to see how much money they could make off of us, so they continued to try to get more of our business switched to them, and away from our main credit card which is XXXX ( which we spend about {$50000.00} a month on ). We do a pretty large volume of sales, through cash and also through credit card processing. After about a year of doing business solely through PNC they contacted us regarding large cash deposits, and the frequency of them ( which was about 3 years ago from the current date ). A VP of banking came to our store location to ask us some questions regarding the deposits, and also to see our store operations. He took pictures of our XXXX square foot XXXX, the amount of merchandise we have, our previous 3 years tax returns, and at the time the most recent bank statements. After seeing our store, and the amount of volume of sales we were doing, they had a better idea of our business, and said things were fine. Recently we received a letter from PNC stating that they were closing our business account, and also my personal checking account. The form gave no explanation as to why this was happening, only a phone number to call, which they basically told us they did not have to give us a reason as to why they were closing the accounts. Their reasoning was that they no longer want to do business with us. The business is owned by me and my daughter, who also has another business she runs. Neither her personal accounts, or the seperate business accounts were closed. The local branch manager was also not able to give us an explanation as to why our accounts were being closed either. The worst part about this is not only our business checking and my personal account being closed, was that they did n't close out the credit cards, credit lines, or our credit card processing through them ( which if we decide to cancel, they will charge us 250 a month fee for the rest of the contract, about 1 year left ) Now we have to switch to another bank for business checking and personal checking, but continue to use their merchant processing, which we will get charged a monthly fee for not rolling all of our business transactions through XXXX. We do business with a very diverse clientele, XXXX, XXXX, and also XXXX customers. I am an XXXX, XXXX XXXX who is also an XXXX citizen. Does the issue that they have with us have to do with the fact of my nationality, my customers nationality, or something else? I have no idea, because we were given no exact answer as to why this is happening.
Product: Checking or savings account

The Wells Fargo bank charged me excessive fees on my ATM card. In XX/XX/2022 I tried to fees reversed to no avail.
Product: Money transfer, virtual currency, or money service

I also filed an XXXX complaint So, I went on XXXX and saw an ad for a rental property. The contact info was on there and it was a property near were I was currently living. I had made contatct with the person listed on the ad by, phone email and text message. I however never met him in person. 
This all started back on XX/XX/XXXX. I had filled out an application he sent me, paid a {$60.00} app fee, then he asked for a {$1400.00} 1st mth deposit and then another {$500.00} to start intiated things there were some repairs that needed to be done before I got keys I had thought. The reason why I still had sent money is because I was able to physcially go into the house he advertised. I even took pics from the inside sent tpo him what still needed to be done. I had sent him all this money and then I starting getting impatient cause I would now drive by house and noone working on the house. I then started now questiong all of this finally one day I called the same number and now it had been disconnected. I have 62 pages of communication back and forth. I took to chase they made copies but said they would and cant refund the money since was thru zelle. I would never had done this had I not been in and saw the property. I get people lying but this was a legit thing not only did I not get the house I lost all my money I had saved to get a place. So Im out {$1900.00}. I even have a copy of my signed application. 
$ XXXX fee on XX/XX/XXXX {$1400.00} on XXXXdeposit XXXX XXXX-additional charge fee XX/XX/XXXX XXXX fighting to get my money back this was out of my control I will never ever deal with zelle on any transactions and chase was no help at all
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I sent a letter to XXXX, XXXX and XXXX concerning the inaccurate information reported on my credit report by your company. I have sent a letter to each of the bureaus and the account came back verified by YOUR COMPANY. I want to know : how did you verify this inaccuracy? 

I have attached a letter to express of discontent. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the XXXX and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature.

Attached : A complaint letter, copy of my Social Security Card, a copy of my FTC report and Drivers License is attached for proof of identity
Product: Money transfer, virtual currency, or money service

XXXX XXXX a direct deposit was made to my PayPal account in the amount of {$8400.00} I usually transfer my funds directly from my PayPal account to my bank account but on this day PayPal permanently locked my account without any warning or any type of explanation to why this action was taken I have made several attempts to contact PayPal headquarters and no attempt was ever success I spoke with one of PayPals many account representatives which offered no help or any explanation to why my account was locked and my funds are stuck in this account they told me I would have to wait 180 calendar days to receive any information about my funds I later went online and found a few reviews for this similar situation and a lot of other PayPal users have had the same incident happen to them and they never received there funds from the account in those 180 days the representative that I spoke with claimed she was a manager and was very much unprofessional and as I explained my situation of me becoming homeless if I didnt pay my rent she laughed over the phone at me and stated that it was nothing she could do to help me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.