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

On XX/XX/2020, I transferred {$56000.00} from my XXXX business account # XXXX to my suppler, XXXX XXXX. XXXX at Chase XXXX put a hold on my suppliers account and then closed it for unknown reasons. The case # XXXX was given to my supplier, XXXX XXXX. What is important to know is that XXXX has made as many as 15+ communications to Chase without a response. 

XXXX, Senior VP, XXXX XXXX, XXXX, XXXX who was looking into my case told me that Chase was going to reissue a cashiers check to me for {$56000.00}. This was 123 days ago because Chase has lost the check twice and did not track the check. 

I have my home mortgage with Chase and my business credit account has been with Chase for 20+ years. I know that if this is happening to me it is happening to other loyal customers of Chase. They think their untouchable resulting in my closing my XXXX XXXX and laying off employees. I need someone to report this because this shows the real incompetence from Chase. 
Pleasse contact XXXX XXXX, CEO, JPMorganChase, XXXX to let him know of the incompetence of his Chase employee who has caused my XXXX XXXX and many others to close their doors during the Covid-19 epidemic. Please help me with this situation. This should not happen in America. 

Best regards, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX
Product: Vehicle loan or lease

I was going to file bankruptcy but missed my hearing and was eventually dismissed therefore not in effect XXXX case number bankruptcy reported XX/XX/2018 name XXXX XXXX but it still reports on my credit as if i had completed the bankruptcy
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft, which has resulted in the appearance of several fraudulent entries on my credit report without my knowledge or consent. These 3 unauthorized accounts and 3 inquiries were added to my report without my approval. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed a report with the Federal Trade Commission ( FTC ) concerning this identity theft and am now requesting the immediate removal of these fraudulent items to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$16.00} XXXX XXXX XXXX Balance : {$44.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed numerous times with all three credit bureaus and the negative information from XXXX XXXX XXXX is still reporting inaccurate information on my credit reports and I keep getting notifications that this account is reporting accurate this is in violation of FDCPA please remove from my reports immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continuously and falsely verified this alleged account. Equifax have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board because Equifax is the only one reporting this alleged item.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Product: Money transfer, virtual currency, or money service

- as per complaint XXXX, I tried to transfer $ XXXX from Goldman Sachs account XXXX to XXXX XXXX account. 
- TRANSFER WAS COMPLETED ON XX/XX/XXXX and FUNDS CLEARED and were delvered to my XXXX XXXX account - GOLDMAN SACHS recalled funds from XXXX  to Goldman Sachs on XX/XX/XXXX for no reason - They refused to " authenticate me '' and in XX/XX/XXXX I was told that " a supervisor would call me in 3-7 days '' - no supervisor ever called, of course - ON XX/XX/XXXX XXXX tried to transfer funds from Goldman Sachs to my account ending in XXXX at XXXX XXXX- The funds cleared into my XXXX XXXX account. On the day that they cleared, XXXX XXXX transferred funds from XXXX into another account - On XX/XX/XXXX, Goldman Sachs recalled the funds AGAIN resulting in a $ XXXX overdraft at XXXX XXXX in XXXX account!!! 
- I called XXXX XXXX and they confirmed that all transfers that I made had CLEARED SUCCESSFULLY before Goldman Sachs recalled the funds - XXXX XXXX also verified that transfers had been made successfully between Goldman Sachs and my XXXX XXXX account numerous times over the past few years- I am NOW BEING CHARGED OVERDRAFT FEES AT XXXX XXXX BECAUSE MARCUS IS TRYING TO CALL THE FUNDS BACK!!!!!! This overdraft situation began today, XX/XX/year>. 
- PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 All these inquiries are causing an immense hardship on my life. Per the FDCPA, FCRA, TILA and 18 USC 2265.

An account needs to be established with full faith and credit or deleted off my consumer report. I do not authorized in use of my credit without there being a benefit to my person.
Product: Debt collection

Disputed several times with credit bureaus, disputed with XXXX, even reported to Federal Trade Commission. 

XXXX now is submitting to a new collection agency after failed attempts to collect. This has been a dispute several times and becoming so frustrating to find a new collection agency harassing called XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency LVNV Funding was asked by me last year and on XXXX XXXX to send itemized transactions and my signature. I told them that I had been stuck up by gunpoint. LVNV stated that they only show 2 transactions that equal {$37.00} dollars. I asked how are you trying to collect {$1100.00}. I received a bill with no information but that my balance is {$1100.00}. I am faxing supporting documents to XXXX. Also on my credit it is showing that I opened up a new XXXX XXXX Account and I did not. 
XXXX XXXX reporting wrong amount owed
Product: Money transfer, virtual currency, or money service

I Am Writing To Formally Express My Concerns Regarding Zelles Handling of disputes particularly in lights Of Recent CFPD lawsuit highlighting significant issues with the platform. Despite Using Zelle Numerous times And reporting Discrepancies, My Financial Institution and zelle Failed To Investigate My Claims Adequately.They Informed Me That Recovering Lost Funds Was Impossible And Tracking These Transactions was infeasible. The CFPBs Finding indicate That Zelle Has Not Only Neglected To Protect Consumers But Has Also Allowed Repeat Offenders to exploit The Systems, Leaving Users vulnerable to Scams. The Lack Of Accountability and transparency Is Unacceptable and raises serious concerns about consumers Safety
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, ( insert your school here ). As a matter of fact, ( school name ) was investigated by ( insert your story here ). 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as ( your school ), I was able to file a Borrower Defense claim with the Dept. of Education against ( your school ), and my Fed. loans of ( $ dollar amount ) were discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to XXXX XXXX XXXX XXXX XXXX NOW!
Product: Checking or savings account

Subject : Unauthorized Transactions on XXXX Account To Whom It May Concern, I am writing to formally file a complaint regarding unauthorized transactions on my XXXX account. On XX/XX/year>, I woke up to find three separate notifications of transactions on my XXXX account. Each transaction was for {$19.00} and was deducted from my XXXX balance. The transactions were initiated by a vendor named " XXXX '' and were recorded on XX/XX/year>, at XXXX PM in XXXX. I am completely unfamiliar with this vendor and did not authorize these payments. 

Upon discovering these charges, I immediately contacted XXXX support via their messaging platform. I was informed that since the charges were still pending, I needed to wait until they were no longer pending to take further action. Once the transactions were no longer pending, I contacted XXXX support again, this time via phone, to initiate a dispute. However, my dispute was subsequently denied with the claim that no evidence of unauthorized transactions was found. 

I would like to emphasize that I have no knowledge of these transactions and did not make any payments or use my card at or near the time these transactions took place. Despite providing this information to XXXX, they have refused to reimburse me for these unauthorized charges. 

I am seeking your assistance in resolving this matter. It is crucial that XXXX takes responsibility for unauthorized transactions and provides the necessary safeguards to protect consumers ' financial information. 

Thank you for your attention to this matter. I look forward to a prompt and fair resolution. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting

XXXX # XXXXTransunion account # XXXXFrom XXXX XXXX, 2015 I have written over XXXX letters to the credit company stating that this company Enhanced recovery is reporting inaccurate information on my credit report and ask servals time for the company to please submit validation that the reporting item belongs to me and they have failed to do so. I have also received a letter on XXXX XXXX where the company clearly states that the account is places on hold status and they are no collecting a debt. If this is so why are they still reporting this item illegally on my account? I am beyond frustrated because I ca n't do the things I would like to do because of this inaccurate information. Please help
Product: Credit card or prepaid card

You can pick your method of payment allocation, but they rarely follow your instructions. You have to call and call and call to get your credit card payments allocated correctly. On their 0 % promotions, they do everything they can to retain a balance so they can charge you 26.99 % interest. They have almost stressed us totally out. We are cutting up our card and taking our business elsewhere. They are not truthful with their credit card business.
Product: Credit reporting or other personal consumer reports

I have the right to privacy consumer law codes 15 USC 1681, 15 USC 1692, and 15 USC 6801. My private information is my business. My student loans are my private information. XXXX has reported my private information without my consent. XXXXXXXX XXXX actions amount to aggravated identity theft consumer law code 15 USC 1028 ( A ). As a consumer you have the right to protect my personal non public information. 15 USC 6801 - Protection of Non-public Personal Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

XXXX XXXX XXXX called my home XXXX before XXXXI had left the houseMy ( soon to be ) ex husband ( we are still legally married ) answered the phonethe Caller Identified herself as XXXX XXXX from XXXX XXXX XXXX and asked my husband who he was, he answered " her Husband '' the debt is in my name only but she then proceeded to share all the information about the debt with him ... .. 
the account number - who it was owed to and the amountHe then texted me immediately and I called him - he had written all the info down and said she was more than happy to share all the info with him about the debtthis is a prohibited practice by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. Here are my tracking numbers : XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( EXPERIAN ). To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information to any third party. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

This company has impacted my credit score and I have no contract with them. I am requesting that this be removed from my credit score. The companys is Columbia debt recovery for XXXX.
Product: Money transfer, virtual currency, or money service

I am writing this to express my concerns regarding zelles handling of disputes particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle many times and reporting discrepancies my financial institution and zelle failed to investigate my claim properly. They informed me that recovering lost funds was impossible.I was also told that tracking the tractions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

On my equifax report there is an account under XXXX and it's fraudulently duplicated and both accounts are inaccurate. 
They both have different terms and balances and different dates.
Product: Credit card or prepaid card

I notified XXXX Customer Services since 2015 all my financial hardship - I was hospitalized during some time that year, I went through an eviction process and attending many appointments in the court. I was having emotional distress and deep XXXX. Has been very frustrating dealing with the XXXX ' representatives without any concrete answer from them to claim the {$10000.00} credit protection benefit to cover part of the balance that my account have. I made several call every month since XX/XX/2015, spending around 1 hour to -2 hours on the phone. After many calls they sent back and forth to different managers wait on the phone one person to another and not instructions or process to make the claim. After 2 years they sent me a letter stating that the time for my claim has expired. I found this unbelievable because I was on the phone with them for many months and they never told me how to proceed to resolve the issue. I feel like they are neglected my request for so long, I found that the misleading information and they just want clients to sign in their programs like me, paying every month {$99.00} dollars and then when I need them to comply with the agreement. I am living in a fixed income ( social security disability ), leaving here and there without home and looking to move forward with my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate submission and this is not filed by a 3rd party or Credit Repair Agency. I was looking over my credit report and noticed a few Credit Laws were violated. In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 1. Account Name : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX  XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX Account # XXXX I would like for the consumer reporting agency to provide these four items below and if they can not provide these items please delete all of these accounts from my credit report. 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With The Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) Please provide me with these four items or delete the three accounts from my credit report.
Product: Vehicle loan or lease

There are 8 derogatory late remarks having been reported incorrectly. Please remove these negative remarks, I have reached out to the creditor and they were rude and of no assistance.
Product: Student loan

I requested a forbearance from Wells Fargo, but was instead sent to collections even though my request was sent in a timely manner. I even spoke to a representative about the situation and was assured I would be put in forbearance well before I reached the 90 day threshold for being sent to collections.
Product: Credit reporting

On my Experian credit report, it shows that under XXXX XXXX XXXX that I am deceased. Of course I am not, and no other credit card or report shows that I am deceased. Also, when I contacted Experian to dispute this, they said they resolved it but they did not. They changed the XXXX XXXX XXXX to CO in XX/XX/XXXX. This is incorrect. This was charged off in XX/XX/XXXX. Also, they still show that I am dead, which is effecting my ability to get credit. I need this fixed asap.