23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter was sent to Experian certified dated XX/XX/XXXX in regarding 1681g METHOD OF VERIFICATION Experian then sent a letter dated XX/XX/XXXX stating " Dispute Results '', stating they would investigate, Experian then sent another letter dated XX/XX/XXXX stating they verified with XXXX and Public record BUT never provided information as to METHOD OF VERIFICATION and that they were within the law to furnish I the consumer 's information willfully noncompliant to Title 15 US Code 1681g. Experian also provided a credit report to I the consumer and again I never gave Experian any permission to furnish my information executing fraud and identity theft. Experian has violated several rights protected by the FTC. Experian also has several items on the consumer 's credit report that were discharged in a Chapter XXXX bankruptcy as of XX/XX/XXXX. My well being has been affected by this several times seen and unseen damages. I have tried several times to correct this. I have uploaded violations to be addressed, reason being is I have been ignored several times and willful non compliance has been committed against I the consumer. I ask that Experian pay for violations, I ask that Experian execute every condition that I the consumer have requested under the pursuant to Title 15 US Code Trade and Commerce within the laws of the United States of America and that Transparency ( Executive Order 13892 October 9, 2019 ) be enforced.
Product: Checking or savings account

Upon our year end audit of this entity in XXXX and in early XXXX, it was discovered that a former employee, XXXX XXXX, embezzled money from this account at JPMorgan Chase, by wiring {$1500.00} to his personal account on XX/XX/XXXX. 

Although this was reported to our account manager at JPMorgan Chase, no information was provided to inform why Chase did not detect massive fraud ( stolen funds ) being directed to XXXX XXXXXXXX XXXX accounts at the very same bank, both into his personal account, 2 shell companies that existed for no reason other than to launder money and an illegitimate business he set up using stolen funds. 

XXXX immediately 'moved " the money around each time he committed fraud, resulting in hundreds of transactions to and from his accounts, with XXXX XXXX XXXXXXXX XXXX XXXX going into the accounts that were in no way related to legitimate business purposes. Had Chase even had basic protections and security in place, this would have been instantly detected. Instead, Chase stood by while XXXXXXXX XXXX stolen funds went into these accounts, all to be spent at XXXX, on XXXX, Withdrawn as cash, spent on XXXX XXXX stolen restaurant and dozens, if not hundreds, of prepaid offshore debit cards being purchased. Any basic low-level algorithms would detect this. 

Yet, Chase never once contacted me regarding a single transaction that appeared fraudulent. 

When I finally navigated my way around their convoluted and fragmented fraud department and filed claims, Chase dragged its feed, obstructed my ability to recover claims and did nothing, said nothing, providing nothing other than general denials due to funds being exhausted - yet, for a FULL SIX MONTHS AFTER I FILED THE FIRST CLAIM, CHASE STOOD BY AND DID NOTHING WHILE XXXX CONTINUED LAUNDERING MONEY VORACIOUSLY. 

Most troubling, Chase blatantly lied to the CFPB regarding this entity in their response to a claim by my parent company, stating that they had NO CLAIMS ON RECORD FOR UNAUTHORIZED TRANSACTIONS OF THIS ACCOUNT. Please note, each account belongs to a separate EIN, is run as an independent business and each should be treated as such by your agency. In the attached letters, you will see a screenshot whereby Chase, in response to my complaint, issued a case number - yet, in another attachment, you will see their letter to me ( also cc'ing CFPB ) where they falsely commit fraud stating they have no claims. I have also attached the letter I sent to Chase 's Executive Office in regards to their lies. They have been told this, warned about this and yet still blatantly abuse the system and their own customers, to protect criminals and their own criminal behavior. CFPB must step up, as the OCC did with XXXX XXXX XXXX, and issue sanctions under AMLA and BSA laws, as well as XXXX Chase from continuing its UDAAP violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and section 605b, and continued to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; and XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I noticed an advertisement from USBank, with an invitation to open a " Smartly Checking Account, '' and receive ( either ) a {$300.00} or {$600.00} bonus with {$5000.00} or {$10000.00} in direct deposits to the account within 90 days of opening. I correctly entered the promotional code ( XXXX ) upon successfully applying for the account on XX/XX/year>. I was given an account number of XXXX. Among other funding activities, I routed my direct deposits from my employer ( the XXXX of XXXX  ) to this new account, reaching the {$5000.00} plateau on XX/XX/year>. 
Per the terms of the promotion, a {$300.00} bonus should have posted in mid-XXXX, 2024. When the promotional bonus didn't post, I began contacting USBank ; I called on XX/XX/year>, and the USBank representative went through my account activities, confirming that I should be eligible for the promotional bonus, and " submitted a ticket '' so that such could be effected. I called USBank ( again ) on XX/XX/year>, and the representative indicated that the bank was " working on it '' ( the promotional bonus ), and I should be patient. I ( later that day, XX/XX/year> ) received an e-mail, asking for some proof of the promotion, so I e-mailed USBank the promotional code again ( XXXX ). Still having not heard anything, I called USBank on XX/XX/year>, and after another exhaustive search through my account activity, the representative informed me that I would not be receiving the promotional bonus, as the promotion " wasn't intended for me. '' I see multiple issues here ; first, there was no indication, when I responded to the advertisement for this promotion, that it " wasn't for me. '' Second, USBank accepted my promotional code at the time of application and approval, and only AFTER I had completed all of the requirements for the bonus, and three phone calls and an e-mail to the bank, did they decide that I was ( now ) ineligible for the bonus. This seems incredibly deceptive, unfair, and ( perhaps ) predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry that the company had no Authorization to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on these account. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment
on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple address that is incorrect s reporting on my credit file XXXX XXXX CT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting 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. 
Account name : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  account # XXXX Account name : XXXX XXXX account # : XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : 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 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: Credit reporting or other personal consumer reports

I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024, NOTIFYING THEM OF THE FRAUDULENT INQUIRIES. I SPOKE WITH REPRESENTATIVES IN THE XXXX XXXX THAT ASSURED ME THIS WOULD BE RESOLVED AND THEY WOULD BE REMOVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681. 

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS
Product: Student loan

After submitting my first CFPB complaint, Nelnet did respond to my XXXX application. They did not send the updates they continue to promise every 10 days. They did send me a letter on their website saying I need to take action to get the XXXX payment activated. 

The information for action I need to take was missing from the letter they sent. 

I do not know how to proceed. The call wait times are over 2 hours, and every email I have sent using the Nelnet form on their website goes unanswered.
Product: Money transfer, virtual currency, or money service

hey my name is XXXX XXXX paypal closed my account is not keeps sending my my remanding balance to the wrong address and refuse to send it to my primary address and wont allow my to up date my debit infomarmation please help.my email is XXXX XXXX
Product: Debt collection

I received noticed of a collection from EOS CCA on XX/XX/2020. I immediately checked my credit report and noticed this negative item from EOS CCA was reporting negative information on my report. I send a letter certified mail to EOS CCA on XX/XX/2020 asking them to validate the debt. I never received any information validating the date. On XX/XX/2020 I received a second notice from EOS CCA, but not validation proving this debt was actually owed by me. I have no knowledge of this account and would like this account deleted from my credit report. This company is in major violation of the FCRA. I have enclosed documents to support my claim. Also there is a discrepancy in the reporting balance from XXXX  verses from EOS CCA. XXXX  is reporting a balance of XXXX and EOS reporting a balance of XXXX. How do I know this is accurate. If XXXX  validated this account like they claimed the balances should match. XXXX  actually deleted this account off my report because they could not validate the account so why is XXXX  still reporting this account. I highly doubt they verified this info or the balances would match and they would have sent me supporting correspondence. Please delete this erroneous account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days and the creditor has not update the information nor has provided proof or documentation in regards to a late payment or the validity of the disputed accounts and inquires. They have not supplied this information and they must delete the alleged late payments, validated accounts and inquires on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so the items must be deleted from my report as soon as possible.
Product: Checking or savings account

I am filing a compliant with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

My bank account was closed by chase bank, I contacted them multiple times and they are refusing to let me withdraw any of my funds and saying they will mail a check in 18 business days, I have no money to pay my rent, car note or household needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act the following accounts have violated my rights as a american citizen. 

18 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. 

( NAMEOF ACCT, AMOUNT, ACCOUNT NUMBER, OPEN DATE ) XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bankruptcy/ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$790.00} These credit accounts are the results of identity theft and fraud.
Product: Money transfers

I have got scamed this person called me on the phone to return XXXX dollars for trying to fix my computer. they were going to put in in my checking account. they recalled me to say they could not return that little amount so they informed me they were going to tranfer XXXX to my checking account and i was to return XXXX to them. while they were on my computer they transferred XXXX from MY savings into MY checking. they never did refund their own money into my account and they inform me to send the XXXX with XXXX to XXXX XXXX his boss. after that they recalled me to ask for another XXXX
Product: Checking or savings account

My account with closed because of overdrafts fees, overdrafts fees that I shouldve never been charged for in my account & now my account is closed & I need my bank account, like this is how I pay my bill, send money for my kid & my parents, my account shouldnt be closed
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the CFPB website Trans Union violated a 2017 law enforcement order for the improper use of a credit report. I would like a clean slate on my Trans Union report excluding current active credit lines.
Product: Mortgage

We purchased our home from XXXX Mortgage Company around 1996. We have lived here ever since. My husband is retired on XXXX social security, and I am on social security too. We are XXXX in our XXXX. Our major source of income was lost almost three years ago. We have struggled to meet our financial obligations since then. We modified our loan with XXXX two to three years ago and after that, they sold us to Green Tree LLC. I started a low paying XXXX {$9.00} per hour XXXX XXXX job to try to stay afloat. With my husbands medical needs, car payment, and a second mortgage payment ( which we re-negotiated to a low monthly amount ), and living expenses, we kept falling behind. Green Tree LLC initially sounded sympathetic and sent us credit counseling and modification information-which we had already completed, but slowly began to contact us by phone over and over, demanding payment and asking if we had jewelry to sell, and asking why we were so " lazy '' not to get a better paying job, along with threats of foreclosure and sheriffs sale. These calls would start early in the morning and last until XXXX in the evening. When I told Green Tree LLC that we had listed our home for sale, and would pay them off when it sold, their response was insistent that we give the name of our Realtor so they could discuss a short sale with our Realtor, of which I refused to give the information. Our home is located on almost XXXX acres in the country, on a small lake. We have a pole barn and shop building, and a nice home/four bedrooms/two baths. As you can see by Exhibit # 1 XXXX Statement of XXXX XXXX XXXX our home has enough value to sell and make nice profit. As I understand it, the tax value placed on a home from XXXX XXXX is typically lower than what the home would sell for on the market. Unfortunately, the offers we got were not what we needed to pay off the existing debt. At this point, Green Tree LLC demanded we take whatever offer we could get, as they knew they would be repaid first. The staff I spoke with kept harassing me about being a dead-beat. I have never in all my life been a dead-beat. The intense mental pressure eventually led me to sell the home for a much lower price than we could have gotten, just to stop the calls and pressure. See Exhibit # 2 ( Purchase Price information ) When our buyer called Green Tree LLC to get the current payoff, the employee we spoke with was unable to tell us the balance due! Then, the employee spoke with our buyer about assuming our mortgage and assured him that he could do so through Green Tree LLC. Our buyer remarked that with his knowledge of Green Tree LLC, he would have no desire to be involved with this Company. He immediately sent the full payment overnight to Green Tree LLC, requesting a confirmation of payment, of which he never received.
Product: Mortgage

Shellpoint wrote to CFPB XXXX that they had already addressed this issue in correspondence. However, Shellpoint does not state why it did not follow the rules and provide the permanent modification since I made the three payments.

Shellpoint never addressed why it sent me a statement with an amount of {$990.00}, which I paid and then Shellpoint claimed to have revoked my modification offer because I paid the statement that they sent to me.

Shellpoint has not explained how it can reject my modification for paying the correct amount when the trial modification, which was supposed to be based on a streamline was overcharing and I paid the correct amount based on the statement that Shellpoint sent me.

Shellpoint has stated they were not going to honor the trial modification, but Shellpoint has never addressed its failure to provide consistent statements and its failure to provide clarification when I asked for 60 days.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX  XXXX XXXX, XXXX  XXXX XXXX & XXXX  XXXX