23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Hello, I 'm a XXXX and a new Chase Bank checking account customer. I was familiar with the case against XXXX Bank XXXX. in which they failed to correct deposit discrepancies below a certain threshold, resulting in millions of dollars in lost funds to depositors. Today I received a notice with my bank statement from Chase informing me that there were going to be changes to my account terms. XXXX of them included a statement that any deposit slip discrepancies below {$10.00} would not be corrected unless they were found by the account holder and reported within a certain timeframe. This would result in the same situation that occurred with XXXX Bank XXXX. I submitted an email to Chase, and included a link to the press release for XXXX. I have only made XXXX in-person deposits to my Chase account, the rest have been electronic. XXXX deposit was made via their ATM, and it did not have an option to use a deposit slip or a deposit envelope. The deposit amount was determined via an internal scanner. There is also no envelope for depositing cash, you just feed cash into the machine. Due to potential mechanical failure, I have chosen not to deposit cash through this machine. I prefer to have a sealed envelope, with no risk of comingling of cash that might make it impossible to fix a system glitch. Additionally, I prefer to calculate my deposit and write in on the envelope. I understand that there is a risk of fraud by consumers who deposit empty envelopes, however, if you are n't going to correct discrepancies and rely on a computer to complete the transaction, then there is a much greater risk to consumers, as proven with the case of XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a invalid entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their negative accounts. I want to know this information because these accounts keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. I have contact all involved parties the credit bureaus and companies to have accounts removed ; provided proof of payment and payment history. Proof is also attached to this complaint.
Product: Checking or savings account

My mother passed away on XX/XX/2020 leaving myself as beneficiary on several accounts listed as " Payable on Death ''. I went to the XXXX XXXX XXXX branch of Wells Fargo at XXXX and tried to close the accounts. I was told I would have to make an appointment and I understood. The appointment was for the following Monday when I presented all of the documents that were required to claim the accounts. I was told that due to some activity on the account there was a fraud hold on the account and I would have to come back to the branch in three days to close the accounts. I returned on the appointment and after about two hours in the managers office I was told the fruad couldn't be cleared for another five to seven days. Today is the seventh day and I have not heard from XXXX the manager yet. 
The fruad they are investigating is on a credit card account which I had the authority to use for final expences, but Wells Fargo tied up the other accounts which are separate from one another. This action is totally unacceptable as is the time frame for the transfer of funds. I have expressed my concern to XXXX to no avail and now I turn to you for a possible solution. I live aproxamently 80 miles from this bank and I am XXXX years old and dependent on friends for transportation. 
Any help you could provide would be appreciated. 
Thank You XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested account information to be investigated and came back that information was accurate and it was not. I included a copy of the payment history and the error was not removed. Requested a reinvestigation inaccurate information still remains. 

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX, XXXX XXXXXXXX XXXX  Account # XXXX The above have violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( XXXX ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

PLEASE CHECK ALL DOCUMENTS, THESE ARE XXXX ME OUT
Product: Debt collection

XXXX, # XXXX {$11000.00} ... XXXX XXXX is falsely reporting inaccurate info to the credit bureau ( Equifax ), I disputed the inaccurate info with Equifax and sent police report I filed when my wallet was stolen. On the updated dispute results I received on XXXX, Equifax stated the company wasn't reporting on my file but I was notified by my credit monitoring service the account was reported XXXX and it's still on my credit report. This is not my account it doesn't belong to me. XXXX is under investigation as we speak for trying to collect on false accounts the company has been shut down for not having license to collect. No validation of this debt as Equifax has claimed. Please remove this fraudulent account off my credit file thank you. 

XXXX, # XXXX {$12000.00} XXXX XXXX is reporting inaccurate info this account doesn't belong to me I don't have a contract with this company. I've disputed with Equifax every month for the past 3-4 months with no response from the company or Equifax/XXXX to get this inaccurate info removed off my file. No validation of this debt at all as Equifax has claimed. XXXX never responded o my dispute. Please remove this fraudulent account off my credit file thank you. 

XXXX, # XXXX {$1200.00} XXXX XXXX is reporting inaccurate info on my Equifax and it's a fraudulent account and it doesn't belong to me. I've disputed this account with the company and Equifax with no response or validation of this debt as Equifax claimed. Please remove this fraudulent account off my credit file. 

XXXX, # XXXX {$330.00} XXXX XXXX is reporting fraudulent info on my credit file. Not my debt I have disputed with Equifax with no response I asked for validation and have yet to receive it. This is a fraudulent account and it doesn't belong to me please remove this inaccurate info off my credit file thank you. 

XXXX, # XXXX {$960.00} XXXX XXXX is reporting fraudulent info on my Equifax credit file this account doesn't belong to me, I asked for validation of this debt and no response in months from Equifax in regards to this inaccurate information. This account doesn't belong to me please remove thank you. 

XXXX, # XXXX {$2100.00} XXXX is reporting inaccurate info on my Equifax credit file that is fraudulent and inaccurate. I have disputed multiple times with Equifax with no response. Please remove this fraudulent account off my file thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems Inc. has continued to reflect a derogatory account entry on my XXXX credit report despite my efforts to challenge the validity of such. IC Systems has not once notified me of this alleged debt in writing. In particular, per FCRA, I was supposed to have received a dunning letter from them whereby I would have had 30 days to dispute the validity of such account. To date, I have yet to receive anything from this company. I have never heard of this company, nor have I ever conducted any business with this company. The mere fact that they blatantly placed this erroneous entry on my credit report and continue to report it is causing further detriment to my creditworthiness. 

In my review of this account entry, ( see attached documentation ), as IC is reporting on my XXXX   credit file, they stated that the account was opened in XX/XX/2017 and they started reporting in XX/XX/ 2017.  How then, did they allow 6 months as per the Affordable Care Act for any insurance payments to process? They did not provide the financial responsibility statement nor any documentation to support or justify this alleged debt. 

In short, this entry is erroneous and unverifiable and must be DELETED immediately due to IC Systems forfeiting my rights under consumer law.
Product: Credit card or prepaid card

I was approved for {$2500.00} through Synchrony Bank for an XXXX XXXX   purchase. I attempted to make a purchase multiple times that failed on XX/XX/19. 

Synchrony Bank is saying I have two orders. XXXX XXXX says I do not have an order. My credit limit is now maxed with no resolution. 

My XXXX was also charged multiple times for shipping and taxes. And again, no order has been placed. Please see attached docs.
Product: Credit reporting or other personal consumer reports

I have already disputed incorrect information with Trans Union and the incorrect information remains. It's incredible. This company must be staffed by illiterates. My home phone number remains wrong and probably has been wrong ever since the fraud alert was placed on my account. This is why I have never received phone calls to verify my identity after applying for credit. Instead, I just get rejected ( with a XXXX XXXXXXXX XXXX  ). 

My home address remains incorrect and even my current employer is wrong. And they misspelled a prior employer : XXXXXXXX XXXX XXXXXXXX. It's like the information was transcribed audibly for data input, because even a third grader can copy and paste text. How do you get XXXX XXXX from XXXX XXXX??
Product: Bank account or service

I purchased XXXX Savings Certificates from XXXX in XXXX of 1992, XXXX each under each of my daughter 's XXXX. Since 1992 Wells Fargo Bank purchased XXXX. I recently found the original certificates and went to Wells Fargo ( XXXX, MN Branch ) to cash them. They did a 10 day search and said they had no record of them and said they probably turned them over after 7 years to the State ofMinnesota Unclaimed Property Division. I called the Unclaimed Property folks, and they have no record of any monies coming from XXXX or Wells Fargo Bank. Wells Fargo Bank said there is nothing we can do. We will not honor the certificates. I asked if the funds could be withdrawn without turning in the original certificates, and they said no! Since I have the original certificates and they have NO record of ever paying out the monies or even sending them to the Unclaimed Property Division of the State of Minnesota, how do I cash in these certificates and receive MY money back plus interest that was listed on the certificates?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name  is XXXX XXXX XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX. My SS is XXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate:XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have disputed the following accounts for inaccurate information being reported and Must be removed immediately for violating my consumer rights. I submitted a formal complaint to XXXX, Experian, XXXX. XX/XX/2022. All XXXX credit bureaus are showing different date last activity and payment dates. Please provide the proof of the investigation since you all verified this accurate. But it cant be if all are reporting different information. 

XXXX  # XXXX I have not ever been late on this account. Update the late payments reported. 

Further more creditors can only report information to the credit reporting agencies that is accurate and they have failed under the guidelines of FCRA.

15 U.S. 1681s 2 ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX.
Product: Checking or savings account

I want to file a scam report. I was scammed out of {$470.00} for concert tickets. I contacted my bank ( BoA ) and filed a claim but I fear that they wont accept it. Im saving for college and this money is a lot to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX ACCT Account # 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: Credit reporting, credit repair services, or other personal consumer reports

Under the consumer law my credit was not treated right. My XXXX XXXX XXXX  account in accordance with the fair credit reporting act. Has violated my rights. Under 15 usc 1681 sect 8602. I have the right to privacy. Also under 15 usc 1681 sect 604, consumer reporting agencies can not furnish an account without my written instructions.
Product: Mortgage

I am trying to refiance my home. When contact the mortage company for documents such as payoffs and netted escrow balances. They will not supply the documents needed. They keep demanding I refinance with them.
Product: Debt collection

Im getting repeated phone calls from a XXXX XXXX collector I don't recognize. Or Know that I owe a debt to. The Company has not been leaving voice mail messages as I let it go to voice mail. They did finally send me a SMS message that stated this : " XXXX XXXX Please Contact XXXX immediately in regards to your CASHNET account that has been placed in our office. This is an urgent Manner ; please contact us for settlement or new payment arrangement offers. Please call XXXX Refer to XXXX. This communicate is from a debt collector. Text STOP to opt out. " Sent SMS on XX/XX/year>.
Product: Checking or savings account

Opened account with capital one bank on XX/XX/23. Capital one closed my account for suspicious activity. Ive been calling capital one for several months to release my funds. Ive uploaded an ID for verification. I spoke with XXXX ID # XXXX and he stated they dont have a time frame as to when my funds will be released. I have several credit cards and auto loan with capital one so Im not sure how my account is fraudulent. Its now XX/XX/XXXX and still no returned phone call from the XXXX that was left on XX/XX/23.
Product: Debt collection

I discovered this account on my credit report in the amount of {$8900.00} I am unaware of any debt owed to the original creditor, especially at that amount. This is showing up on my credit report as a derogatory joint collection charge-off and having very negative effects on my credit score. I have been unable to secure funding for necessities like a car and living arrangements. It shows the date of the account as being opened in XXXX of XXXX. I sent a letter requesting information about this debt on XX/XX/XXXX and got no response, and again on XX/XX/XXXX, again with no response.
Product: Checking or savings account

Wells Fargo Bank. 

Late morning on XXXX I deposited a check in the amount of {$350.00}. I had moved from one apartment complex to another apartment complex, and the check was from the property management company of my former complex -- a partial refund of the deposit I had paid when I had moved in. The management company ( issuer ) is XXXX XXXX- a MAJOR property management company in The US. //// I did some shopping. Went home. Checked my checking account via XXXX. The check was in my checking account and available for use. So I paid some bills with the money. //// At XXXXXXXX XXXX., on XXXX, I received an email from Wells Fargo : " Wells Fargo deposit hold alert ''. ( I still have that email if you need to see it. ) That was THE FIRST I heard that my deposit had been put on hold. Since I had " overdraft protection '' my bills that I had paid -- they did not bounce. However, WF took money from a Wells Fargo CC and paid the bills. //// I went into the bank and spoke with a banker -- but got no relief. I didn't think that I should have been 'charged ', via my CC, for covering the bills ( and I still don't ). It was only {$25.00} that WF took from my CC, but I don't think that I should have to pay the increase in interest on that {$25.00}. I KNOW that it's only {$25.00}, and the interest will hardly break my bank. As the old clich goes, 'it 's the principal of the thing '. ALL of what WF did was without my knowledge -- well, it was without my knowledge, and I was not notified of any problems until approx 15 hours AFTER I had deposited the check and paid bills on it. AND the banker wanted me to feel sorry for WF. He said to me, among other 'tear-jerker statements, that I had no idea how many fraudulent checks that are deposited in WF 's accounts each and every day. So I should feel sorry for WF? His 'stuff ' was the last straw. I would like that {$25.00} to not have the higher interest rate. And I want someone to know that WF is up to its shady banking practices once again. Thank you. Oh, I told him that I was filing a complaint with CFPB -- and he offered to do it for me. LOL Yeah, right. I declined his kind offer.
Product: Student loan

I attended XXXX XXXX XXXX in XXXX Ohio from XXXX to XXXX where I was receiving federal student loans. Midway through the program, the financial aid department stated the college was under a letter of review for the respiratory therapy program and they lost their accreditation. Sallie Mae was the student loan provider at the time and my account was sold to Navient after Sallie Mae was closed down. All my federal loans were placed into a private loan by Sallie Mae without my knowledge and sold to Navient. I was an undergrad in XXXX when Navient started harassing me for payments even though my loans were placed in deferment. During the Navient lawsuit process, I attempt on several occasions to rectify this situation with no prevail. I filed a borrower 's defense application and was notified on XX/XX/XXXX my loans by XXXX XXXX XXXX will be discharged through the lawsuit " Sweet v. Cardona. Every month Navient has increased the loans to over XXXX dollars and I requested a copy of the signed agreement they claim I agreed to and never received it. Why would I transferer my federal loans to private loans? I have spoken to an attorney and will move forward with a class action lawsuit about this fraudulent matter.
Product: Consumer Loan

On XXXX XXXX, Chrysler Capital, also doing business as Santander Consumer USA, a subprime lender for auto loans, financed {$26000.00} for a vehicle I purchased. The contract is for 72 months with a 22 % APR and {$670.00} a month loan payment. An APR of 22 % incurs a daily rate of about {$15.00} which means I 'm paying {$470.00} in interest and {$200.00} to the principal balance every month. The more the loan balance is paid down, the amount of interest incurred and/or owed lessens. My goal is to make extra payments or XXXX pay the required loan payment, which would quickly lessen the balance owed to the lender and the amount of interest incurred for the entire life of the loan. Also, refinancing the loan was the next step after about six months of payments. Chrysler Capital does not provide their loan customers with any receipt or confirmation of payment nor is there any notification by email of payment posting to the loan account. Chrysler Capital only provides their loan customers with monthly account and billing statements .And because of this odd, shady practice of Chrysler Capital , I frequent my online user account to see up to date activity, which is not included in monthly statements, to make sure that errors, like the matter at hand, do n't occur. A little while after becoming a loan customer of Chrysler Capital, I went online to get some background on them and discovered many unfavorable reviews and stories of suspected illegal and shady practices by current and past customers, which put me on the alert with my account with them. And the matter at hand regarding Chrysler Capital is a loan payment error on their part and not my own. Earlier this month of XXXX 2015, I made XXXX separate payments to Chrysler Capital for my loan in the amounts of {$280.00} and {$300.00} on their website powered by XXXX XXXX XXXX with a {$2.00} service fee per payment required. On XXXX XXXX,2015, when logging into the online user account, I could see that the XXXX payments had posted and were applied appropriately to the principal balance since all of the compounded daily interest incurred had been paid with previous payments. On Saturday afternoon, XXXX XXXX, 2015, for some odd reason, I logged in to the online user account and saw that both of the payments had been removed as a credit to the principal balance reducing or lessening the total amount owed by {$580.00} and applied as a negative, adding on to the total amount owed {$580.00}, increasing the balance. I contacted Chrysler Capital XXXX different times to correct the error and spoke with an agent and was put on hold for over XXXX minutes and the call would disconnect.