23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I am XXXX XXXX XXXX I recently purchased a condo in XXXX XXXX for {$120000.00}. I was scheduled to close on this property and was told by the title company to send a wire transfer for the deposit and closing costs. I called the title company to confirm the account number they said yes it was correct unfortunately they did not let me say the entire number and I only sent it to a partial number missing the last four digits. {$16000.00} was the amount sent on XX/XX/XXXX. I have attached a copy of the wire transfer record. XXXX is my bank and I asked them to recall the wire transfer from chase bank for two weeks chase bank had no response even though XXXX is sending messages through a swift system. On XX/XX/XXXX Chase finally responded with they were going to investigate the case but since then XXXX has not received any information. When calling chase bank they state the account number does not exist yet the Title company I am working with said that it went into somebody elses account. After a bunch of phone calls back-and-forth to the title company they are now emailing me that they will no longer help me retrieve the funds. XXXX continues to tell me they get no response from Chase. I went to Chase Bank and they said the funds should be received in 1 to 2 days when the funds are recalled again that is not the case. I have limited resources to speak to Chase because I am not their customer and they are not very helpful when I go into the branch or when I called on the phone I have attached the information for the wire transfer for you, my concern is that I will never get the money back. I have reported this to the Attorney General office. I had also contacted a private attorney and he stated that it would not be enough money for me to make it worth it to pay him to help me retrieve the funds. {$16000.00} is a lot of money for me and its creating quite a problem for me both emotionally and obviously financially. Your help on this is greatly appreciated my number is XXXX
Product: Credit card

My wife and I have over XXXX Chase Ultimate Rewards points, listed on our Chase Sapphire Reserve credit card account. 
We had a business that failed and we filed XXXX  XXXX bankruptcy on XX/XX/XXXX. All of our Chase credit cards had {$0.00} balance and were in good standing at the time. Chase was not to be included in the bankruptcy since we didn't owe them any money. We thought our Chase accounts would remain open or we would receive notice from Chase to use/move the Ultimate Rewards points if Chase would close the accounts due to the Bankruptcy. 
On XX/XX/XXXX we couldn't see any credit cards on our chase online banking and could not log into Ultimate Rewards. We spoke to multiple people at Chase in credit services, collections, ultimate rewards and escalated to a supervisor in credit services. All said they couldn't reinstate the Ultimate Rewards points. 
I'm asking for an exception since all of our cards were {$0.00} balance and in good standing and the bankruptcy will not impact Chase at all. Can we get the points reinstated even for a few days so that we can transfer the points to partners?
Product: Checking or savings account

I went to the Bank of America XXXX, NJ branch because I needed blank checks. 

I was shocked when the teller said that the Bank of America does not provide them. 

This was repeated by the branch manager. 

I was never told why not! 

The branch manager accused me of being negligent in not having my own checks. She failed to appreciate these possibilities : 1. Unexpected bills 2. Damaged checks 3. Need to write another check 4. Lost checks NO! She was adamant but said that as " an exception '' she would allow two free bank checks. But I said that I did not yet know to whom I was going to write my checks. She said come back with the information, forcing me travel miles home! OUTRAGEOUS INCONSIDERATION AND INSENSITIVITY! I am a senior citizens of advancing years with very serious medical problems indeed! 

I told her I would have to close my Bank of America accounts. She expressed no concern at all, no caring at all! It was it seemed to be just good riddance! 

This is how a bank treats it customers? 

Besides, the branch manager did not social distance despite my request and finally she did move back some feet! 

Nor were the various identification devices clean! Only once a day in the morning! How wrong as it is apparent the Bank of America has no idea there is the deadly and highly infectious novel coronavirus! 

And then there is this : The Bank of America dawdles with complaints I have failed. Never has an immediate answer! That is perhaps because the Bank of America thinks these matters are rocket science! 

And the CFPB is toothless and I say this with all due respect!
Product: Credit reporting or other personal consumer reports

Dear To whom this may concern, I am writing to formally dispute the validity of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). 
I request that you provide me with the following documentation to validate the debt : A copy of the original purchase agreement or contract that clearly outlines my obligation to pay this debt. 
Evidence that you are legally authorized to collect this debt, including any assignment of rights or proof of ownership.

Under 15 U.S. Code 1692g ( b ), all collection activities must cease until the requested information is provided and the debt is validated. Additionally, under 15 U.S. Code 1681e ( b ), you are required to ensure the accuracy of the information you report to credit reporting agencies. Please provide verification that your reporting practices comply with this provision. 
If you can not provide the requested documentation, I ask that you cease all collection efforts related to this matter and remove any associated negative entries from my credit report as required by law.

Finally, under 15 U.S. Code 1681c, outdated or obsolete information should not be included in my credit report. If this debt is older than the reporting time allowed by law, I request its removal immediately. 
Please respond to this request within 30 days from the date you receive this letter. All future communication regarding this matter must be in writing and sent to the address provided above. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I request copy of signature everything from these illegal accounts! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXXXXXX 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 an 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.
Product: Student loan

Discover Student Loans reported in error to XXXX and XXXX that my account was in bankruptcy. I have never filed for bankruptcy. Due to their mistake, I am at the risk of being disqualified for home mortgage, despite my credit score that exceeds XXXX. When I called Discover Student Loans about this, and requested that they write a letter clearly stating their credit reporting error, which my mortgage lender requested to process my pre-approval, I was told that they do n't have a form letter approved by their legal department to write such a letter. They instead sent a letter that simply states the status of my current loan and terms. That is not what I needed or what my mortgage lender asked for. In the meantime, we sold our house and need to move out in a month. We wo n't be able to make an offer to purchase our next house unless this credit error gets resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo XX/XX/XXXX XXXX  XX/XX/XXXX Account not mine need to be remove off my credit report.
Product: Debt collection

Collections company has violated my rights according to 15 U.S. Code 1692g - Validation of debts Collections : NATIONAL CREDIT SYSTEMS Acct XXXX Many Validation requests have been made but correct validation information was never sent
Product: Consumer Loan

Santander Consumer USA is the lender : The short story is we bought a car a 2010 XXXX XXXX for {$18.00} on XXXX, the loan was set at XXXX percent interest. Since that time we have been late almost every Month with hardships after getting laid off. They repo 'd the car and chrged us an extra XXXX repo fee. 
My wife was n't making the payments and I was giving her money to make them, they repo 'd me again last month and charged me more lates fees and a XXXX dollar repo fee again. Now XXXX the bank says I owe XXXX for a car that only blue books for XXXX. and they wont work with me on a buy out for a lesser amount they wont waive fees or work with me at all. I want to let them take the car but I know that wont help my credit history and they will come back and say I owe them more new late fees and maybe XXXX. They do n't keep the records correct the statements are a mess, the company has many many many complaints. Why is our Government allowing Santander to do this to hard working Americans? The car will cost me over {$400000.00} by the time I pay it off and it 's only worth XXXX. What a joke our system is to even allow this kind of robbery. I offered them XXXX to pay it off and they refused? XXXX XXXX? Are they from XXXX? This is why we have people trying to beat the system because the system is not working for the people. If anyone looked at my account they would see that I am being taken to the cleaners. I need help please. Thank you. XXXX XXXX
Product: Credit card or prepaid card

i applied for a credit card after they sent me an offer letter i applied with the information on the letter which was my information and submitted it online i received notification i was approved and would receive a credit card they sent me the credit card but they sent it with my wifes first name on the credit card with my middle initial and our shared last name i looked nd it was listed under my credit report with my social security number i called them and explained this error and they didnt seem to fix it or have any idea how or why this happened
Product: Credit reporting or other personal consumer reports

i looked at my credit report on XX/XX/scrub> 2024, and noticed that it was incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a customer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. and they have not responded to me for over 35 days. 
Below you will find all accounts and information that is inaccurate on my credit file. Please delete all accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to show inaccurate late payments of XXXX personal loan. This is despite the company providing notification to fix the reporting. The company sent notification as of XX/XX/2021. I resent the company correspondence in XX/XX/2021. I have contacted Equifax on 4 occasions. They continue to state that correspondence is not showing in their files.
Product: Mortgage

We are trying to refinance our home. Flagstar is who we are with now knew and knows that in the process they sent papers to USDA office asking assistance ( money ) Flagstar failed to submit all paperwork to USDA so they did not receive any money. But now Flagstar had a lein on us and they refuse to release the lein. They shouldn't have one on us to start with. So now they are refusing to release the lein so we can close on refinancing. Once we close they will get paid off and they refuse to. Please help us so we can refinance our home and get away from Flagstar they are horrible. Thank you! 
XXXX XXXX
Product: Checking or savings account

I was approved for a PPP loan through the SBA that was sent to my Capital One 360 Checking account on approx XX/XX/2021 and Capital One immediately froze the funds saying I wasn't eligible for a business loan and made me submit documents as proof. I submitted everything they asked for and now they will not respond to me or release the loan funds. I have been calling once a week for the past 6 months and they send me to a specific dept that and all I get is a voicemail, but nobody has EVER called me back. The loan is active through the SBA, and I only have 30 days left to apply for forgiveness, but how can I apply if I haven't used the funds??? This loan is on my credit and is public record and Capital One is taking advantage of me and soon I'll have to start paying back a loan that I NEVER got. I will start filing complaints with the SBA, the attorney general, XXXX, Federal Trade Commission and WHOEVER else I need to because what they are doing is ILLEGAL. They need to release the funds or send it back to the lender and get it off my credit.
Product: Credit card or prepaid card

An online cash advance was made on my credit card account without my knowledge or approval on a Wells Fargo account. I disputed the charge and the dispute was denied. The total amount of the cash advance was {$290.00}. Coincidentally, a brokerage account was opened in a fraudulent manner in the same amount as the cash advance. The brokerage account has subsequently been closed. The cash advance was made on XX/XX/XXXX or XXXX 2019. Wells Fargo is now attempting to bill me for the amount.
Product: Debt collection

i paid off a debt with DNF ASSOCIATES AND THE ACCOUNT HAS NOT BEEN REMOVED.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$470.00} XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX 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

at XXXX XXXX. i received a phone call from enhanced recovery at XXXX XXXX giving me a phone number which being the same as above, with a medical number of XXXX stating that this was a debt collection agency, when i called to the number to complain they want me to sign up for a free florida vacation. If you answer the questions to satisfy them they switch you to a XXXX XXXX talking about the free vacation. I told them i received a phone from enhanced recovery and had a reference number stated above and they hung up. This telephone number calls my phone numerous times a week, so i decided to return the call and found out it was fake, i would like to have this business checked out, i am on the do not call list, thanks
Product: Debt collection

On XX/XX/XXXX I was sent to XXXX XXXX XXXX. I had no phone or internet to communicate with anyone. I was sent a bill which i didnt receive. I graduated XX/XX/XXXX. I was then sent to XXXX XXXX XXXX XX/XX/XXXX. When I got my phone and went through my email, I saw that a bill from IQ Data International IN. This account was placed on my credit report on XX/XX/XXXX for {$10000.00} without my knowledge. While in Advanced Individual Training, I received a call from IQ Data International IN that this account was opened and I need to pay. I explained to them that I was in Basic Combat Training while this bill was sent and I am requesting the account be delivered off my credit report as it will affect my ability to get an apartment when I leave training. Now XXXX homeless as an XXXX XXXX military member and unable to get an apartment or house to live because of this issue. I was told by IQ Data International IN that the account can not be deleted with full payment. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission.

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 Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXXXXXX Balance Owed : {$72.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$130.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; 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 have XXXX loans ( XXXX school ) that combine to XXXX from Wells Fargo. I have been looking for employment since XX/XX/XXXX -- approximately 6 months before graduation and 16 months from today --, and since then I have been unable to find any. I am living with my mother for the first time in a decade, my savings are now depleted, and I can no longer pay the loan minimums. 

When I contacted Wells Fargo last month ( XX/XX/XXXX ) in our ongoing conversation about this issue, a representative told me that I was eligible for further 2 month forbearance on each loan. I called today to arrange these forbearances, but the representative I spoke to refused to extend the forbearance to me, despite the fact that his colleague offered me the option before, and despite the facts that I banked with Wells Fargo XX/XX/XXXX and even held a mortgage with them that was always paid on time. 

I can not make these payments and my family is no longer wealthy enough to pay my loans for me. I am doing everything within the law to find work and I will need my ( still-good ) credit to be able to rent or buy another house -- credit that will be compromised if the loans go into default. I do not understand what Wells Fargo wishes to accomplish by pursuing me for money that I can not pay them. I thought that I was getting a loan from a reputable lender XX/XX/XXXX ; today I feel like I 'm being victimized by a loan shark. 

I hope that the CFPB can intervene on my behalf in this matter.
Product: Student loan

Filed Chapter XXXX bankruptcy 2016 and was discharged. XXXX XXXX was included and was aware. XXXX XXXX  continued to contact me regarding making payments to the loan included to the bankruptcy. They have been receiving payments out of my account every month for {$50.00} and should not have been receiving it. Today, I spoke with XXXX, XXXX, and XXXX ( 2x ). XXXX would not transfer the call to the credit department. XXXX stated there wasnt a credit department, then once he got my information then he stated he would transfer me to the credit department. In which, I spoke with XXXX. Who stated that I still owed and that he received information from the US Bankruptcy Court that it was dismissed. At first XXXX acted as if he didnt know about the bankruptcy. He stated that they still illegally continue to collect the funds from my account. So I asked to be transferred to his supervisor and they had me on hold for 10 minutes. Then they sent me to a survey not the supervisor. I called right back, same process. I spoke with Supervisors XXXX XXXX ext XXXX and asked for a case number related to the bankruptcy case, attorney name, and phone number. It was provided. He stated that it will be escalated to the bankruptcy team and it should take 72 hours. Also, stated he will stop the autopay. I verified the account so they stop further payments.