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

Hello, CHASE closed my bank account without any reason on XX/XX/XXXX and promised to return my balance of around {$12000.00} via a check within 10 business days. However, it has been almost six months now and CHASE has yet to return my balance to me. Despite my numerous phone calls and visits to CHASE, I have only been told that they are still investigating the matter. I am puzzled as to why they are able to hold onto my money for such a long period of time, and I would like them to return my money as soon as possible. Today is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this letter to file a formal complaint. You are reporting inaccurate and misleading credit information on my credit report. 

Thus, the inaccuracies and misleading information your company is reporting is placing me in distress. I demand that your company use reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Product: Checking or savings account

This will be the same issue I have had a couple years ago when I contacted CFPB. For the past year PNC changes the order of posting and causes extra Overdraft fees at XXXX each. 
My account is listed as opted in. I know I will be charged if my account is overdrawn. But I don't feel I should pay EXTRA fees because PNC CHANGES THE ORDER OF TRANSACTIONS. 
In other words if you had 3 {$20.00} transactions in the clear and then you have {$100.00} last, PNC puts the XXXX first and then charges you FOUR {$36.00} fees. 
This is what they have again done to my account for the past year.
Product: Vehicle loan or lease

Auto loan company ( XXXX XXXX ) offered extension/ defer payment/ skip a payment on XX/XX/XXXX. Right after I received the email of the extension approval their app blocked or limited my access to make payments. On XX/XX/XXXX I received an email requesting payment past due yet on XX/XX/XXXX I was only able to submit a partial payment of {$110.00} app would allow for full payment of {$310.00} ( {$300.00} + {$5.00} fee ). On XX/XX/XXXX I was able to make a payment of {$140.00} again app wouldn't let me make full payment due. I then called the customer service number and only contacted the automated system no human XXXX On XX/XX/XXXX I received an email if I wanted to refinance my loan I called the number on the email and was transferred multiple times to different representatives and not XXXX said they could assist me in getting more information or loan department. XX/XX/XXXX I called and requested a billing/payment history that was sent by email that same day and I was then notified my vehicle was scheduled for repossession and contract was accelerated. Since the start of the contract I've been charged additional Other fees ranging from {$100.00} to {$300.00} plus my payment amounts. ( Never a clear answer why additional fees ). The vehicle was taken from my home without notifying me. I was not able to get my personal items or work time sheets until XX/XX/XXXX as the towing company only was available by appointments created online.
Product: Prepaid card

1. On XX/XX/2023 the following orders were placed. 
XXXX Refunded XXXX Refunded XXXX Refunded XXXX Pending Refund XXXX Pending Refund XXXX Pending Refund 2. In XXXX, when it was time to use could not locate the email delivery in my Email system ( XXXX ) XXXX. Promptly telephoned Target.Com to figure out what is going on. They looked into the matter and refunded three orders. For the remaining three, the emails were sent containing XXXX XXXX  XXXX Codes ( three {$100.00} Each ). 
4. After seeing what is happening, tried to check the gift card balances and found nothing. Called back Target.com and was told that the gift cards were activated by a third-party vendor and suggested that I contact XXXX. 
5. Promptly contacted XXXX and after spending couple of hours, I was told that they assigned a case number ( attached ) and indicated that the balances went it to a different account. Not to mine for sure. For confidentiality reasons, they could not divulge the information. 
6. Fir the past two and half months, I am going back and forth with your customer relations department. They keep insisting I need to work with XXXX. What kind of a response is that? I purchased them from Target and paid the monies for them. I expect the product/service be delivered by Target. Why they even talk about shifting the responsibility to XXXX? Believe it or not, going around in circles.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/XXXX : Attempted to send cryptocurency to known, legal, and reputable associate for payment. Purchase of XXXX succeeded, but send failed. Assumed it was a glitch and dealt with payment by other means. 

XXXX XX/XX/XXXX : Attempted to use account again. Failed. Noticed that account is restricted from sending crypto AND purchasing crypto. Opened support case XXXX. Was told it would take an undetermined amount of time to investigate, but I would be contacted when it's resolved. My guess at this point is that some algorithm flagged who I was paying as suspicious. 

XXXX XXXX opened support case XXXX because hadn't seen update. 

XXXX XX/XX/XXXX : Notified that Purchasing was enabled on my account. Checked, and purchasing is enabled, but sending is NOT enabled on my account. 

XXXX XX/XX/XXXX : opened support case XXXX to get sending enabled. Told that this will take an undetermined amount of time to investigate, and I will be notified when resolved I was not notified. The case says it's resolved, but none of the cases on the website provide a date of resolution. 

XXXX XX/XX/XXXX : Contacted customer support to get information. Representatice says : " Thanks for waiting, XXXX. After reviewing your account, it appears your sending restriction will remain permanent. Please know that we are not able to provide more information regarding this decision on your account and on how these are made. '' Representative confirms that I may never send crypto via Coinbase.
Product: Debt collection

XXXX was paid off and now they want me to pay {$7000.00} for what and my XXXX keep dropping
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights. 

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
Product: Debt collection

My wife had a small XXXX XXXX on her XXXX and did not pay the full amount to Dr because we were not able because of my spouse had to go on leave of absence because of a XXXX XXXX needing XXXX in XX/XX/XXXX this year.My spouse is a veteran and tried to get help from the va because of a XXXX XXXX due to damages inflicted by military service.However this request is still in appeal the collection agency Western Mercantile Agency , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX ph XXXX sent me a letter stating i owe {$690.00} plus {$100.00} dollars in intrerest for a total of {$790.00} dollars Stating that i have 20 days from XXXX-18 to pay in full or they will take legal action if so i would pay attorney fees and court cost.They also stated that interest would compound as long as debt was not paid.At the time of this letter i only work part time at XXXX XXXX and my spouse is on medical leave and only draws social security.I tried calling this agency this morning XXXX-18 and got no answer.can you help me? 
Thanks Mrs XXXX XXXX/XXXX XXXX spouse
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX  balance {$8200.00} XXXX XXXX XXXX XXXX XXXX XXXX balance {$9800.00} XXXX XXXX XXXX XXXX XXXX XXXXbalance {$21000.00}
Product: Credit card

Misreporting of status of status of account on XXXX separate occasions as past due by at least XXXX days. My account with this XXXX has never been past due.
Product: Payday loan, title loan, or personal loan

in XXXX of last year I met with the president or who represented himself as the president of wells and fargo in the XXXX Massachusetts branch. XXXX XXXX nmls # XXXX represented himself and an investor by the name of XXXX XXXX. they received notice through mr XXXX XXXX daughter that I was looking to sell a stake in my company that had social equity status with the state. Mr XXXX arranged for me to meet him at his office of wells and fargo and said that he could get me the money I needed for my company through wells and fargo misrepresenting the fact that wells and fargo does not invest in XXXX  due to it not being federally legal. Upon arriving at the meeting I quickly realized that all they wanted was information privy to me from the state of Massachusetts and my cousins ( who is a executive at XXXX ) position on XXXX. I would not oblige. Further I have filed a Police report as my XXXX ID account was hacked and XXXX has confirmed that my Business  Documents were downloaded to his cellphone on account of his daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

As per IRS regulations, an unpaid charge-off is recognized as income. However, according to the FCRA, income can not be reported on credit reports. I have recently received a 1099-C ( Cancellation of Debt ) for the charged-off account undeXXXX XXXX XXXX  Account number XXXX. Despite this, upon reviewing my latest credit report, I observed that this account is still being reported as a charge-off. It is imperative to adhere to regulations ; therefore, I kindly request the cessation of reporting and the deletion of this account from my credit report. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has broken the law by willfully reporting inaccurate information on my consumer report cuasing me harm. I have made attempts with Transunion to have these inaccurate items deleted and they continue to furnish these inaccurate items on my consumer report stating they have verified they without providing proof of such reinvestigations. Immediate deletion of these items is demanded to stop the harm Transunion is cuasing myself. Congress has set up an elaborate system to assure accurate credit reporting, Transunion has assumed this vital role and its their grave responsibility to report accurate information on consumers. Congress also states willfully noncompliance Transunion will be civilly liable for these violations of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/XXXX has violated my rights. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the credit bureaus but they did not remove them, nor prove validation.

Under Sec. 602 FCRA " I have a right to privacy '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Unspecifies Account Name Account # XXXX Unspecifies Account Name Account # XXXX
Product: Checking or savings account

Me and my mother went in the bank to make a withdrawal we were treated with racism from the time we walked in the door. We asked how much cash she could withdrawal and was told by the manager that he couldn't tell us and basically ignored us so we left went to a different location no issues at all we filed a complaint with the bank customer service it's been almost 2 months still no return call even after speaking to serval managers nothing. A fraud investigator called my brother to make a false accusation of elderly abuse my brother assured him that was never a issue. Few weeks later my mothers card was declined called the bank couldn't tell us anything went to the bank they say her acct is frozen by the same investigator from the first incident. The manger couldn't help us nor did she want to she was very unprofessional and rude. Waited till next morning we to another branch the manager helped us said because of excessive spending they froze my moms acct. Mind you nobody has called her or me from the fraud department. So we were told they would contact the fraud department at this time my mother is in tears asking why do they keep messing with us nothing fraudulent is going on I have my daughter on my acct. Later that day the rude manager from the second branch called to say we can close your acct today so we did she was very rude that day as well. My mother had been with this bank for years and we can't understand why we were treated so poorly and why false accusation were made not once but twice by the same guy that has never spoke to my mother we also left him serval messages so has my brother as well who by the way is not on her acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a notification alert about a credit inquiry I immediately looked into it and I found a hard inquiry on my report that I did not authorize. I immediately called the provider ( care credit ) and they confirmed a account being open but they werent able to close it, i had to wait 48 hours. 
On Monday XX/XX/2019 I called and closed the account
Product: Checking or savings account

Early XX/XX/XXXX, I contacted Bank of America ( ) regarding a utility payment that kept getting returned. The payment would post to my account, only to disappear within 24 hours.Per Bank of America, a stop payment was issued over three years ago which was causing the error. The BOA representative was supposed to remove the stop payment. As of XX/XX/XXXX, and two payments later to the utility company, the stop payment has NOT been removed.As a result, I have been charged EFT fees in the amount of {$30.00} that I'm requesting BOA reimburse me. 

I called BOA on XX/XX/XXXX, and when I explained to XXXX in West Virginia, my issue, he preceded to place me on hold, then he hung up - figures. Typical BOA behavior. I have attached one bill to reflect return payment of {$250.00} and fee. Another payment of {$360.00} will be returned too which hasnt posted to the utility account as of today, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, STATED stated in the previous complaint, ( XXXX XXXX XXXX purchased the XXXX XXXXXXXX XXXX ( XXXX ), XXXX. ( " XXXX XXXX '' ) MasterCard credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2021 ). 
First off, I never gave XXXX XXXX XXXX written consent nor authorization to purchase my non-public personal information associated with the XXXX XXXX account. Neither, did I give XXXX XXXX permissible purpose to furnish this account to the consumer reporting agencies. During this obvious transaction that was done unethically, I was an uninformed consumer. You have defamed my character, and have affected my livelihood and reputation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. 

remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 paid off my student loans in XXXX of XXXX when I bought my house. My servicer at the time was XXXX XXXX. In the last few months, my servicer was changed to Aidvantage. I woke up this morning, XX/XX/XXXX, to an email from them saying I have a bill, owing them {$740.00} due on XX/XX/XXXX. I logged into my account, and they are saying I have an outstanding balance of {$10000.00} and that I've missed 4 payments. My loans are already paid off! Their website says they open aXXXX XXXX XXXX  eastern time and I've called 7 times ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it says they're closed. I tried the chat and it says the volume is too heavy and the feature is unavailable. I've emailed but I don't expect that route to go any better than the other two. 

This is the first contact I've had from Aidvantage since my loans were transferred. I never received a welcome letter or a bill in the mail or anything.
Product: Debt collection

I am sending this request to Bank of America. The issue is a late payment reported on my account. The account information is the following : Opened date : XX/XX/XXXX, high balance : $ {$11000.00}, late payment reported on XX/XX/XXXX. 

I moved to California in XX/XX/XXXX. In a conversation with BOA, I have asked them to send me a new card. I was getting mail forward but some statements may not have come through. The late payment is due to an ANNUAL FEE. I was not even aware of carrying a balance, and then I was terribly surprised by this late remark on my report. 

I want to let Bank of America know that one of the reasons I moved was because I was affected by XXXX. This situation has been overwhelming for everybody. I know I am just one more victim, but please take that in count. 

I would highly appreciate if Bank of America removes this late on my report. I have an excellent record on my payment history, and please keep in mind that : 1. The late remark is the result on an annual fee. 
2. I was not aware of carrying the balance because I didn`t receive the statement. 
3. I was a victim of XXXX. 
4. I made the payment right after I realized about the balance ( on XX/XX/XXXX ). 

Thanks to whomever reads my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past couple of months I have been contacting with Equifax and disputing an account that appears on my credit report from a company named XXXX, this account doesn't have any account under my name on their records and I have asked many times to Equifax to remove this inaccurate information from my credit report, or a proof that shows that the account is mine. It been almost 6 months since I started to dispute the account and asked for proof, and nothing has happened, the account stills hurting my credit and there is not proof that this account is mine.
Product: Debt collection

This company failed to notify me of this debt before placing it on my credit report violating 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This company has also put unverifiable information on my credit report which is deflamation of character. Theyre using deception means posing as lawyers.
Product: Credit reporting or other personal consumer reports

I received notice that the XXXX XXXX XXXX information was fixed and updated. I pull all 3 reports just to find the inaccuracies are still reporting. XXXX has paid current, XXXX has XXXX late payments and CO, and Experian has 120 days late. Please there is nothing these agencies can tell me because XXXX XXXX is the one reporting the information to these agencies and it should not be inaccurate across the board. Please delete immediately as it is hindering my ability to obtain credit. I am in the middle of a housing sale and this is becoming a thorn in my side as i have been disputing this inaccuracy for over 6 months now. IT IS A VIOLATION AND IT DOES NOT CONTAIN MAXIMUM ACCURACY AND IT NEEDS TO BE DELETED. AT THIS POINT XXXX XXXX HAS HAD 180 DAYS TO CORRECT AND ITS STILL INACCURATE PLEASE DELETE!!!!!!!
Product: Credit reporting

XXXX Reporting Incorrect Amount on my credit report currently as of today XX/XX/2017 showing {$1000.00} due however a payment cleared my XXXX checking account. ( see attachment ) Since they are not interested in recording the payment per FCRA regulations, Please review the documents and upon completion of review have this collection account removed and blocked from my file.
Product: Credit card or prepaid card

Back in XXXX I called and tried lowering my APR of XXXX but they refused. I have been buying and paying my credit card with the same APR I have been a customer of Wells Fargo since XXXX and they have not considered lowering my charges. I feel like Im a valued customer to them! Ive paid so much interest charges thought out these 13 years!