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

I requested all supporting documentation, they did not provide. I did however provide the bank with all of my supporting documentation, it was ignored and not processed. These documents included court documents. Called Chase Bank on XX/XX/year> to inquire about the status of my accounts merged an the claims, however, they had no information regarding the claims from First Republic Bank. I was informed by the customer service specialist at the time to allow for the merger to process and give 3-5 days for accounts to go back to normal and all information transferred. I was also informed that there was a claim subunicamitted regarding this and that someone would reach out to me by XX/XX/year>. However, to date I have not received follow-up communication and all of my further attempts have gone unanswered. 

Chase and First Republic Bank are responsible for failing to properly follow FDIC depository laws and guidelines & consumer protections. Both Institutions have failed to properly file and provide due process to the claims filed with First Republic Bank in XXXX and XX/XX/year>. All attempts to communicate with the proper assigned departments have been documented and reported to the FDIC
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Collection Agency Diversified Consultants never notified me of a debt. I found out about the alleged debt through a credit alert. Once I found out I mailed a debt validation letter and called the Diversified Consultant on XX/XX/19. During the call ; I learned that it was XXXX XXXX, but I do not owe XXXX XXXX money ( a debt ). The  agent stated I paid XXXX  XXXX ( and the file is closed ), so why is the account on my credit report? I was told because I paid it two days after it was assigned to them by XXXX XXXX. Additionally, I made it clear I did not make any payments to their company ( Diversified Consultants ). Diversified Consultants had nothing to do with making a payment to XXXX XXXX because when I made the payment on XXXX XXXX website : I had no knowledge of a collection account on my credit report. 
The violation of my rights under the FDPCA are as follows : 1. Diversified Consultants did not provide me a written notice of the debt 2. Did not provide with the name of the original creditor 3. Did not give me an opportunity to dispute the debt 4. Did not recognize the 30-day waiting period between validating a debt. Without validating the debt, they are not allowed to seek collection Because of these  violations, I have a right to sue in court {$1000.00} dollars per violation and {$2000.00} per violation under the FCRA. I paid XXXX directly and knew nothing of this collection. I canceled my service with XXXX and did not know my old phone was still locked. At this point I learned I had a small balance I was not aware of ; once I found out I immediately paid the balance online ( XXXX ). Diversified Consultants had no legal right to place any notation of anything on my credit report because I have no legal contract with them or any legal standing with this company. They are basically attempting to ruin my credit when it is clear I made a payment two days after it was assigned outside of my knowledge or receiving a proper notice ( duns letter ). I want this collection deleted from my credit report immediately. XXXX XXXX and Diversified Consultant clearly are not interested in following the law.
Product: Money transfer, virtual currency, or money service

Good Day, on XX/XX/2021 I have transferred by XXXX {$5000.00} from my -goodstanding- Chase Checking account to my -goodstanding- XXXX account. The funds left my Chase account on XX/XX/XXXX ( see screenshot ) but NEVER got to XXXX. I have called Chase 's Cust Serv where I have been told a complaint form will be mailed out, but I never received anything. Have requested the return of the funds SEVERAL TIMES from Chase, without success. 
In the same time, I have messaged Chase with my complaint, what have been closed on XX/XX/2021! 
UNDELIVERED ACH Transfers Can Be Reversed in 60 days! Why Chase did not simply reverse the transaction following my request? Instead, Chase made me waist hours and hours on calling and writing. 
I put in TWO Complaints with CoinbasePRO : they BOTH have been closed without resolution. ( see screenshots ) I'm Chase 's and XXXX 's customer at least for 8 years : my accounts were always in good standing order : I really don't appreciate being treated that way. Chase, please, return my undelivered ACH transfer to my checking account!
Product: Credit card or prepaid card

GLBA VIOLATION. PLEASE advise Citi to stop contacting phone number and addresses that they feel are associated with my account. Another Privacy Breach, Citi left a message on a phone number that they thought was my number but belongs to my son. My son and I share the same name. I am so frustrated with the " Fraud '' process that is is suppose to be in place to protect my identity when in reality they are providing information about me to third parties. This is my FINAL warning to Citi to  CEASE sending information to third parties about me. I have provided my DL to validate my identity as requested before ( My DL was attached to my last CFPB complaint. This is turning into harrassment from CITI. On the previous response, it was stated that CITI could not remove the XXXX XXXX address but CITI has sent correspondence to that address. This is a breach of my privacy. As I stated before, if Cit questions my identity, Citi should have never approved me for a credit card. I am paying my account monthly prior to the due date so I do n't see where the issue is. CITI DOES NOT HAVE TO WORRY ABOUT MY BUSINESS. I WILL PAYOFF MY XXXX BALANCE AND NEVER USE CITI AGAIN AND ADVISE EVERYONE THAT I KNOW THAT CITI IS A MAJOR RISK AND THEY CONTINUE TO COMMIT SECURITY BREACHES. I WILL ESCALATE MY ISSUE TO THE HIGHEST COURT.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of certain accounts and credit inquiries from my credit report due to unauthorized access and misuse of my personal information resulting from a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of accounts and inquiries that I did not authorize. 
The accounts in question are as follows : XXXX. XXXX  - Partial Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$230.00} XXXXXXXX XXXX XXXX Partial Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$16000.00} XXXX. XXXX XXXX - Partial Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$84.00} XXXXXXXX XXXX XXXX Partial Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$160.00} XXXX. XXXX - Partial Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$600.00} XXXX. XXXX - Partial Account Number : XXXX - XXXX : XX/XX/XXXX - Amount : {$1800.00} XXXX. XXXX - Partial Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$1500.00} In addition, I request the removal of the following unauthorized inquiries : XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. 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 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 XXXXXX/XX/XXXX
Product: Debt collection

They opened an account around XXXX in 2023. Portfolio Recovery issued an account on my credit report that has a collection from XXXX XXXX of {$1200.00}. However, I have no I tried to dispute this account because I had no knowledge of opening this account and I have no knowledge of a history with XXXX  XXXX. They also have not provided proof to show that this debt is mine.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of a XXXX XXXX that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. XXXX XXXX has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Product: Student loan

I took out a private student loan in XXXX with XXXX XXXX. The loan was sold to Navient in XX/XX/XXXX. My interest rate is 12 %. I have been consistently overcharge every month and some moth XXXX percent of my payment is applied to the loan. My original loan balance was {$10000.00} in XX/XX/XXXX. My balance as of today is {$8600.00}. Navient can not explain how my monthly interest, principal and fee are being applied. Some months there is absolutely no money is being applied to the principal at all. I am trying to refinance the loan with them and they will not do so. I have good credit so I will try elsewhere.
Product: Bank account or service

I went into the branch of Chase Bank and requested sheet of checks .. The Bank Teller asked which account I wanted to cks printed from and I provided that to her..Checks were printed ..I wrote the checks and when they came in they came into the wrong account which caused the account to be overdrawn. I recvd a {$35.00} Fee and I called customer service and was told I would have to go into the Branch and discuss.. .I explained it was a BANK ERROR and how they could not help me as they have in the past ... Bottom Line this was a BANK ERROR ... The funds were AVAILABLE but in the account in which I had requested the checks to be printed from!!!! I have been w. Chase for over 10 years!!! The fact I was given this kind of grief over {$35.00} is pricesless. I work at Esurance and deal with customers each and everyday ... clearly the difference between myself and Chase is I show EMPATHY to my customers! And I do n't act like the $ from my company is MINE and if there was an error I would be happy to handle ... I am a single mother so money is tight.. I work XXXX jobs and explained to not only XXXX in customer service who took the call but her ALLEGED supervisor XXXX from the Texas Branch I simply DONT have the time to go to branch to sit in a line to discuss a fee of {$35.00} ... Bottom line this is a BANK ERROR and I should not have been given ANY grief over such ... I am requesting someone look into there actions and please help as clearly if nothing is done I will be happy to take my business elsewhere which I know the bank does n't care since I am ONE person but I can assure Chase I will be happy to let anyone know I come in contact with how they handle their customers and LOYAL customers at that. 

thank you XXXX XXXX
Product: Debt collection

XXXX XXXX ( represented by Pressler & Pressler ) sued me at an old address in the wrong XXXX and was ultimately successful in obtaining a default judgment against me in 2011. 

Fast forward to the present, I finally learned of the XXXX this year when I received notice of wage execution. I requested copies of the original court record and found the service was effectuated at the wrong address and there was no account level documentation in the file. There were multiple balances listed so I ca n't be sure what they are alleging I owe. 

XXXX and Pressler 's " Source of Address '' was the address on file. I had changed my address with Motor Vehicle, my bank, my children 's school and my cell phone carrier. They did not do their due diligence to locate me because it was in their best interest if I did not respond. 

In addition, there was an " Affidavit '' included in the case file which bears a strong resemblance to the the described fraudulent robo-signed documents that XXXX XXXX and Pressler were reprimanded for in their respective CFPB Consent Orders. There is no record of XXXX ever having attempted to contact me prior to filing the complaint, I am not sure if a Dispute Affidavit exists or if my account was affected, since everything was sent to an incorrect address. 

XXXX XXXX has been ordered by the CFPB Consent Order to " Cease post-judgment enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits '' ; and to " Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable ''. 

XXXX is in violation of the CFPB Consent Order and FDCPA Federal law. Serving me at the wrong address in the wrong XXXX is sewer service and should not be tolerated. Is there a standard of due diligence that must be enforced? 

I have filed a Motion to Vacate the Default Judgement and to compel Discovery. At that time, if XXXX chooses to continue to pursue the case using these fraudulent tactics I will counter-sue with the full weight of any consumer rights attorney I can find.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX ( ORIGNAL CREDITOR XXXX  ) account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Checking or savings account

I opened an online CitiBank XXXX account to take advantage of attractive interest rates. After opening the account, I made two deposits on separate days, one for {$1000.00} and another for {$10000.00} for a total of {$11000.00}. The life of the account literally only had those two transactions.

After the 2nd deposit I was unable to access my account and was directed to their fraud department. During the correspondence I was informed the account was closed and not given any specific reason for the closure and it may take up to 60 days for my funds to be returned. 
After further investigation I found that Citi is widely known for this type of predatory behavior among customers. During my research I found a number ( XXXX ) for the Citi executive response team. I talked with them, they were civil and polite, and I was able get a bit more information case # XXXX. They indicated the account can be closed without cause and they executed that right, but again, deflecting any real reason why the account was closed. They also indicated the funds may or may not be returned based on an internal investigation of which I have no idea what that investigation revolves around?

My concerns with all this are : I really dont know if Ill get my funds back.

The secrecy of these transactions seems incredibly predatory given that Citi is given an interest free loan for 60 days from x-number of customers ( including myself ). 
If the account closure is based on a concern that revolves around fraud and is indeed for my protection, there has been no outreach from Citi to rectify the issue. 
There is no due process regarding the Citi internal investigation which involves the affected party, in this case myself. My sense this is an actionable legal item if pressed? 
With the state of the banking industry incredibly surprised, any bank would act in this fashion considering I was depositing funds into the account.
Product: Debt collection

I have been receiving numerous phone calls from MCM. They have now contacted my family. I have already requested information validating the debt for this company and have not received a response. Instead, I have been receiving numerous phone calls, in addition to my family receiving phone calls. I have requested that they cease contacting me, as I have already reached out to the company via a third party regarding the debt. There has been various emails and phone calls starting from XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX ASST # 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. They have also illegally re-aged my debt.
Product: Checking or savings account

On XX/XX/2018 I made a check deposit {$300.00} on my Checking Account. On XX/XX/2018 the available balance was {$240.00}, BOA rejected a payment of my XXXX XXXX {$220.00}, charged {$35.00} returned item fee, hold {$100.00} for deposit hold only available XX/XX/XXXX at XXXX XXXX PT.

On XX/XX/2018 I went to the bank, the Bank didn't solve the problem, asked me to wait until XX/XX/XXXX. I asked to close my account, have my money to pay the rejected loan, the Bank told me that it was not possible. 


Bank Information : Case ID XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

XXXX XXXX- Bullcity Financial Solutions {$510.00}. I have disputed this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All attempts to verify and validate the debt has been unsuccessful. I notified all three credit bureas that the accounts were fraudulent. I have spoke with and requested a fraud package from Bullcity Financial Solutions and recieved no help or real care on the issue. The information is being erroneously reported on my credit report, which is having adverse effects on my car loan applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

( ONCE AGAIN I AM NOT ARGUING MY ACCOUNTS IM ARGUING YOUR ERRONEOUS REPORTING WHICH IS DESTROYING ME AND MY FAMILY 'S LIFE. 

Navy Federal Credit Union is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

YOU ARE REPORTING MY CHARGE OFF AS INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT ONCE IT IS CHARGED OFF AND PLACED ON A CREDIT PROFILE. 

the IRS clearly says a Cancelled debt or Charge Off is income : The reporting of these account as DEBT is inaccurate : THIS IS WHERE YOU ARE IN VIOLATIONS As defined by the IRS income does not get reported on a consumer report once a charge off is put on your credit. YOU MUST REPORT CANCELLED DEBT AS ( GROSS INCOME ) ON YOUR TAX RETURN WHICH MAKES YOUR REPORTING ON MY CREDIT PROFILE INACCURATE. { IRS publication ) 1099-C I have several charge offs on my credit profile from NF ONCE AGAIN I am requesting duplicate 1099-Cs for the following accounts : These accounts are reporting inaccurate according to the law. 

{ XXXX } { XXXX } { XXXX } { XXXX } IT IS MY CONSUMER RIGHTS TO REQUEST THIS INFORMATION I KNOW THE LAW AND YOU NAVY FEDERAL HAVE IGNORED MY REQUEST OVER AND OVER. 

I am requesting additional information did you charge off any of these accounts with the Internal Revenue?

Did you file any of the following debts on NF taxes as a { lost of income }? and if so, have you received { a tax credit }. 

According to the IRS rep my taxes are upside down because all of the income NF is reporting on my credit profile with there 1099-C 's reducing your tax burden and increasing my taxes.

The IRS says reporting of a charge off is inaccurate for the simply fact that a charge off is gross-income.

A Lender must file 1099-C and send you a copy if the amount the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or applicable entity.

15 USC 1681s2 : Says you NF are a furnisher of information to a consumer reporting agency you are PROHIBITED by law to furnish inaccurate information I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately.You are hereby put on NOTICE : that your are furnishing incorrect/inaccurate information on my consumer report. 

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate.
Product: Checking or savings account

My Bank of America account was hacked through XXXX. On seven occasions XXXX2020 and XXXX/XXXX/2020 unauthorized withdrawals were stolen from my account via XXXX for a sum of {$1000.00}. The Bank is doing the investigation and has up to 45 days to complete meanwhile my money is tied up. The bank won't replace the money that was already in the account before it went to a negative balance until the investigation is over. Aren't they insured by the FDIC? Why won't they replace the money that was already in the account immediately after I informed them that I was scammed? I also didn't have overdraft protection on my checking account, and yet the bank allowed my account go into a negative balance. I first noticed this scam on XXXX/XXXX/2020. I have since filed claims with both XXXX and Bank of America. They are still trying to use my information to open up banks, cash card accounts, etc.
Product: Credit reporting or other personal consumer reports

These accounts were specifically XXXX XXXX XXXX was removed from my credit report XXXX weeks ago. The fact that XXXX XXXX XXXX added this ILLEGAL/FRAUDULENT account back to my XXXX report XXXX beyond me. This account is fraudulent and illegal and needs to be removed for the last final time. THis is illegal for not only the original creditor but for the credit bureaus to remove and readd back to my credit profiles. remove this illegal account of my report for the last time XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX {$7700.00} These accounts below are also illegal and were never authorized in my name. Please remove the rest of these accounts before further action will be taken. I am a victim of identity theft. 


XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$62.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

Checked my credit report to find out that someone stole my identity and opened up numerous accounts in my name. For example XXXX XXXX XXXX  was opened up and I was put in collections for {$4.00}, XXXX. Once I found this out I called the company who directed me to go to a store. once I did that they asked me to file a police report and send information to fXXXX XXXX XXXX XXXX Account # for this fraud is XXXX
Product: Credit card or prepaid card

It says I have a XXXX credit limit on my Best Buy card But then says I have no available balance & have spent XXXX on it. 

When I called to ask what it was about, the account was conveniently closed today & they can give me no reason behind it. I have been sitting on the phone for almost an hour waiting for a supervisor to answer & tell me whats going on but they keep saying they cant for privacy reasons.