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

After reviewing my credit profile on XX/XX/2023| identified a discrepancy with account listed under PAYLIANCE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not authorised by myself. 
1. XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4.XXXX  XX/XX/XXXX 5.XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 8. XXXX XX/XX/XXXX 9.XXXX  XX/XX/XXXX 10.XXXX  XX/XX/XXXX
Product: Checking or savings account

On Monday, XX/XX/year>, I reached out to SoFi Bank to report two different dispute claims. The first dispute for {$980.00}. And the second dispute for for the amount of {$1100.00}. I submitted all of the necessary paperwork and documentation necessary for them to begin their investigation. They explained to me that it would only take a few business days for them to process a provisional refund to my account while they continue the investigation. I waited several days for the refund to appear in my account and every time I checked I received nothing. Then on, XX/XX/year>, they sent me status emails regarding my claims saying that they were still investigating. I responded to the email asking if they will be refunding the money in the mean time and they did not respond. On XX/XX/year>, I called to SoFi 's customer service line to get a status on my refund. I explained to them, that will need the refund soon because I am relying on it for other things. The woman I spoke to assured me that it will not take much longer for SoFi 's investigation team to refund the money. At approximately XXXX XXXX on XX/XX/year>, I received a response email from the investigations team that said that my disputes do not qualify for provisional refunds and I will have to wait for the investigation to conclude before knowing if I will receive anything. This is completely unacceptable and frustrating because they have constantly stated that they will be giving me a provisional refund and it will only take a few days and now I have some else saying something completly different and suggesting that I may not even get my money back.
Product: Checking or savings account

While I was in the hospital someone gained access to my checking account online. The transferred several amounts and were able to get XXXX. Wells Fargo investigated the claim and ruled that it was an authorized transaction. The banker I worked with stated it was an unauthorized transaction, however I got a letter from Wells Fargo on XX/XX/21 stating they ruled against me and have close out the claim. I did not authorize any transfer and Wells Fargo is not taking responsibility for protecting me from fraud. This is a large problem with Wells Fargo nationwide and I would like my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with a car dealership before the year XXXX, last transaction on that loan was XXXX. It's still reporting on my credit as and owed debt. It shows transaction was taken XXXX XXXX XXXX. Which is untrue.
Product: Checking or savings account

On or about XX/XX/2018, I opened a Citibank Account Package ( checking account and savings account ) with a promotional offer for {$400.00}. The terms were : " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days '' On or about XX/XX/2018, I deposited {$15000.00} of new-to-Citibank funds. I allocated {$10000.00} to the Citibank checking account and {$5000.00} to the savings account. 

On or about XX/XX/2018, I had held the {$15000.00} minimum balance continuously for 60 days. 

On XX/XX/2018, 120 days from meeting the promotional requirements, I have yet to receive any promotional funds.
Product: Mortgage

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX representing Real Time Resolution, claiming that the second mortgage payments have not been made since XX/XX/XXXX through the present month, and saying that I have defaulted and have breached the terms of the Mortgage Promissory Note. I have also filed a complaint with XXXX of Michigan. 

XX/XX/XXXX XXXX Regulatory dept did not address the DOJ settlement eligibility requirements, claiming that we didn't qualify for it at the time. I would like to know what the " DOJ eligibility requirements '' were. We bankrupted in XXXX because of the mortgage debt, job loss, and the failing economy of XXXX. XXXX also claims they sold the debt to Real Time Resolutions , Inc in XXXX. With the XXXX XXXX bailout in XXXX, there were no debt collectors buying second mortgages at face value, so I would like to know what XXXX bought the second note paper for, knowing full well that second mortgages were being sold for XXXX on the dollar in XXXX, as well as being forgiven based on the DOJ lawsuit. XXXX XXXX XXXXXXXX forgave {$10.00} XXXX Dollars in mortgage loans I asked XXXX to contact who they sold the note to and rectify the issue at hand. As mentioned, XXXX was sued by the DOJ, as well as many other times in their existence, which shows the number of scams that occur at this bank as well as many other ones. I spoke to XXXX XXXX the Resolution Specialist in The Regulatory Complaint 's dept at XXXX on XX/XX/XXXX. The complete reason for this complaint is to FORGIVE THIS DEBT as it should have been handled in XXXX. We all know that XXXX XXXX XXXX and XXXX XXXX XXXX screwed over the government and the homeowners in XXXX leading up to the greatest financial crisis in our lifetime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX/XXXX XXXX, XXXX XXXX  XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Good afternoon, I have a complaint against Pay pal and would like Consumer Finance Protection Bureau to investigate this matter. As of XX/XX/2021 Pay pal have placed a permanent limitation on my business account. Meaning I can no longer recieve or transfer funds from my account.The buyer of my products uses Pay pal because it's safe and easy for us to do so. I contacted Pay pal seeking the reason to why my account had been shut down and was told that he could not say over the phone for security purposes. In the past Pay pal has ask me to upload documentation for verification and I have always complied .At this time I have a balance of {$360.00} in my pay pal business account. It's unfair to me and my business that I can't resolve the issue because I don't what the complaint is. I have a total of XXXX invoices, the buyer recieved his products, I also have a copy of the buyers confirmation which the buyer provided. Again I don't know where there is any suspicious activity. The other concern is why hold my funds for 180 days ( XXXX mos. ) after suspending my account. The products have been shipped and I can provide tracking information for all the invoices so what is the need. Again it would be appreciated if this matter could be investigated. As always have a Good day.
Product: Credit card

I, XXXX XXXX, contacted Wells Fargo Bank on XX/XX/2024 to find the status of two separate disputes filed, one with XXXX claim XXXX and the second with XXXX XXXX XXXX XXXX claim XXXX. In both cases the agent admitted that the disputes had been mishandled. With XXXX numerous pages of documentation have been emailed and faxed to Wells Fargo. The agent said it had been given to a specialist for being over {$3000.00} when the amount in dispute was less than {$3000.00}. 
In the case of XXXX XXXX XXXX XXXX it should have been filed as work never done instead it was filed as services not as expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX  XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX, XXXX and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2019 and accounts are still reporting fraudulently. 

XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX ACCOUNT # XXXX AMOUNT {$2200.00} XXXX XXXX, XXXX ( ORIGINAL CREDITOR : XXXX ) ACCOUNT # XXXX AMOUNT {$740.00} XXXX XXXX XXXX XXXX XXXXXXXX MN XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX PA XXXX
Product: Debt collection

After carefully reviewing my latest credit report, I found multiple fraudulent accounts that I believe are inaccurate and were added without my consent.
Product: Mortgage

On XXXX XXXX, my County taxes were paid {$1700.00}, but the due date was XXXX XXXX. There is a separate transaction on XXXX XXXX for " city, utility disbursement '' for {$130.00}, which is the 10 % penalty for being 5 months late. 
On XXXX XXXX, My two township taxes of {$850.00} and {$23.00} were paid, but the due date was XXXX XXXX. There is two separate transactions on XXXX XXXX for " city, utility disbursement '' for {$100.00} and {$2.00} for the two 10 % penalties for it being 6 months late. 
On XXXX XXXX, my school taxes that were due XXXX XXXX, were paid {$3600.00}. There is a separate transaction for 10 % penalty under " city, utility disbursement '' for {$440.00} for taxes being 3 months late. 
Totaling {$690.00} in penalties. 

We purchased this house in XXXX of XXXX and had an escrow account set up with our mortgage from day 1. We do not receive any tax information until we receive a receipt that it is paid or we have received a final notice saying there will be a lien placed on our house if the taxes remain unpaid. Our tax information gets sent directly to the mortgage company, which is the point of having an escrow. The mortgage company is paid to take care of paying all the taxes ON TIME. I was told this is my fault for all the taxes being paid late, but other than making my mortgage/escrow payments ON TIME I should have nothing to do with it. This has been an on going saga for over a month and is still yet to be properly resolved. 
I have filed multiple complaints within the company and the company supposedly " looked into it '', but they keep responding with they have paid my taxes on time which is not true. On their website through my account, you can see that the taxes were not paid on time as well as logging on to my county website to see they were late as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were ( are ) trying to buy a home and took the first step in obtaining a home loan by reaching out to Wells Fargo. During our call, the gentleman that had been assigned to us was going over the program. We specifically asked what was needed and what were the first steps to get approved for a home loan. He did n't mentioned a credit score number that would be ideal nor did he bring up the fact that a certain amount of money had to be in your account at the time we started the loan process. He only was concerned about the amount of home loan we wanted. We did n't know what was possibly for us to get due to not having any information from him still on credit scores nor money in the bank. He was all over the board on down payment % and amounts and could n't give us a ball park answer. We had only given him approval to run our credit score since he stated that would allow him to answer all of our questions. After running our hard credit, they ran another hard credit on our account ( 2 hard credits, which approval was not given on the second one ). After our call today with the gentleman at Wells Fargo, he said that with the home loan we were wishing for we need a certain amount of money in the bank and this we should have known. If we knew that we would have to have the amount of money in our account for that home loan, we would have NOT approved a hard credit and worked on securing that amount of money in our account prior to moving forward. We also could have looked at a lower home loan if he would have told us ballpark estimates on amounts needed for down payments, but he refused to give us this information until he pulled a hard credit. I would have never approved a hard credit pull which has impacted mine and my husbands credit scores significantly if this information would have been presented to us prior.
Product: Consumer Loan

We had a vehicle loan charged off in 2009. The loan company Iis inaccurately reporting this on our credit report. They arecontinuing to show this as a current loan and are inaccuratelyreporting the balance that was charged off.
Product: Credit reporting or other personal consumer reports

My complaint is about Experian. I need to lift a freeze I placed on my credit. I have been able to lift that freeze at XXXX and XXXX. But at Experian I can not even log in to my account. I am unable to reset my password due to glitches in their electronic system. I am unable to reach a human through any of the telephone numbers Experian publishes. I have tried every option in those automated systems and can never connect with a human. As a consequence, I can not unfreeze my credit and am therefore unable to qualify for a mortgage.
Product: Prepaid card

I received an Amex eGift Card. I used the link provided to activate the card, which loads and shows a balance. I attempt to use this on XXXX ( using at least XXXX less than the face value of the card ) and the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Product: Credit card or prepaid card

Direct Express denied my fraud claim even though I had local sheriff 's department case number and gave them the name of who did the fraud.. crimes against the elderly and our veterans needs to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian are currently reporting INCOME ( XXXX Account XXXX XXXX ) on my consumer credit report. This account is showing on my consumer credit report as a charge-off. It is illegal to furnish INCOME on a consumer report. XXXX  already issue an 1099C for the above account and is now INCOME which was FILED ON MY IRS TAX RETURN. A charge-off, according to the IRS, is INCOME once 1099c is filed and reported. Experian continue to be in violation of the federal laws in placed. See Treas. Reg. 1.6050P-1 ( a )
Product: Credit reporting or other personal consumer reports

I recently disputed this account in XXXX of XXXX  and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 

XXXX XXXX  with account # XXXX Delete this erroneous account IMMEDIATELY! 
Collection account from XXXX with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX Auto Loan with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX XXXX Credit Card with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX  Installment account with account # XXXX - I have never been late or missed payments on this account! Provide me provide me with records of all payments made or missed on this account.
Product: Debt collection

Prestige wants to collect around {$21000.00} and place me on collection and ruin my credit.
Product: Checking or savings account

From XXXX until currently bamk of america has been charging my account fees including over draft causing my account to be negative.
Product: Credit card or prepaid card

On XX/XX/20 I received in the mail a Visa debit card issued by U.S. Bank. This is a U.S. Bank ReliaCard that ( according to the information provided with the card ) will be used by the Colorado Department of Labor and Employment ( CDLE ) to receive unemployment benefits. I never applied for unemployment benefits in Colorado, nor did I apply for this U.S. Bank ReliaCard. After receiving the card and doing some research, I tried contacting U.S. Bank using the phone number provided XXXX XXXX ) to discuss the matter and request that they cancel the card. I did this several times, but unfortunately, it is impossible to speak with anybody. The system provides automated access only and requires you to enter personal information ( including social security number ) to access the account information. I was reluctant to do this. 

This appears to be a common issue. The CDLE 's website includes a link to a U.S. form that consumers can complete and submit to U.S. Bank to notify them of the issue and request they cancel the account. I did that immediately, but have received no reply. 

With that, my complaint is two fold. First, U.S. Bank did not perform appropriate due diligence when opening this account. There is no indication on my credit report that U.S. Bank checked my credit or did any other validation. I don't live in Colorado. That should have been an obvious flag. Second, U.S. Bank has not been responsive to my problem, and doesn't provide consumers with a reasonable option to report the problem and get resolution in a timely manner. This is especially concerning and frustrating since they are obviously aware that these accounts are often opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. 
This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. 
If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish this inaccurate negative information to the credit reporting agencies. 
The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? 
If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. 
Does this account include a finance charge? If so, does the finance charge include a premium the protects the creditor in case of default? Has any insurance been filed on this account? If a XXXX  or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of this inaccurate information would constitute a breach of fiduciary duty. 
Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. 
XXXX companys policy does not supersede Federal Law. I am demanding this charge off is UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I inadvertently transferred {$5000.00} from my Chase checking account to my XXXX  checking account instead of the intended account, as my XXXX  checking account was closed. Realizing the error, I promptly contacted XXXX XXXX at the supervisory level to investigate the transaction. 

Upon scrutiny, the XXXXXXXX XXXX manager reported that there was no record of a {$5000.00} transaction in their ACH records spanning approximately 60 days. However, according to Chase, the transfer was successfully delivered to XXXX XXXX on XX/XX/XXXX, given that it was a real-time transfer. Consequently, the {$5000.00} has been debited from my Chase account.

This situation has left me in a perplexing position, as there seems to be a discrepancy in the acknowledgment of the transaction between the two banks. No one knows where is my money. XXXX  asked me to contact Chase, Chase threw the ball back to XXXX saying the money has been already delivered to XXXXXXXX XXXX I really need my money back to pay the rent and buy my kid 's food. I am seeking assistance in resolving this matter. Thank you so much for paying attention to my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$240000.00} / XX/XX/2022 XXXX XXXX/ {$0.00} / XX/XX/2022