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

In late XXXX of this year, I transferred the deed of the house I owned in XXXX,XX/XX/XXXX to my ex-boyfriend, XXXX XXXX. We broke up, he " bought me out ''. The mortgage of this home was held by XXXX XX/XX/XXXX XXXX XXXX of XXXX XXXX, XX/XX/XXXX. That account number was XXXX. 

On XX/XX/2020XX/XX/XXXX issued an escrow refund check made out to BOTH me and my ex. This check was for {$15.00}, XXXX Mr. XXXX intercepted the check as I no longer lived at the address we shared, and managed to keep 100 % of the funds of this check by doing the following : We had a joint checking account with Chase Bank - ending in # XXXX He signed the back of the check also writing " for deposit only ''. He deposited the check remotely, and the following day, when the check posted, he transferred all of the funds to his own personal checking account which is also through Chase. 

I have proof of all of these transactions. 

I called Chase, they said that it is very clear what Mr. XXXX did, that it was dishonest and that I am the rightful owner of half those funds as the check was clearly made out to me as well. He circumvented me by depositing in to the joint account, and then had the ability to do as he wished with the funds. Chaser admitted to me this was a fraudulent maneuver. However, Chase refused to reverse the transaction, allowing me an opportunity to receive my portion. 

I also contacted XXXX. I essentially received the same story from them. Yes, my name was on the mortgage, yes, the check was made to me, no, XXXX should not have been able to do anything with the check without my signature. Their advice - talk to Chase. Chase, as you read above, could not care less. 
Additionally, on the date of closing, I asked the settlement attorney if he wanted my update address, and he told me " No '', that it would not be necessary. 

I also emailed the Fraud Department of XXXX on two separate occasions, but I have not heard back at all. 

Please help. I work as a healthcare provider. I work very hard. I paid this mortgage and I am due what I put in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a checking account with Navy Federal Credit Union on XX/XX/XXXX. My niece XXXX XXXX XXXX ( a minor ) was a signer on the account. I had some financial difficulties including a withholding order from the California Franchise Tax Board which resulted in several checks that I deposited being returned. Due to these continued financial difficulties, I was unable to make deposits into the account to bring it to a positive balance and the account was charged off on XX/XX/XXXX.

To my knowledge, Navy Federal has made no attempts at trying to contact me to collect the balance due on this account. They have my social security number and my current credit bureau report reflects my correct address, telephone number and employer information. Instead, they reported this charged off account on my nieces credit bureau report. She was a minor at the time the account was opened and was still a minor when the account was charged off. She has recently married and her new husband banks with Navy Federal and tried to add her to his account, which they denied. They have repeatedly contacted her to secure payment of the charged off amount, even though I am the legal account holder. They have refused to assist her in both the branch and through their corporate channels. She requested an investigation into this matter and received a response stating that the Financial Crimes and Risk branch at Navy Federal had completed a thorough investigation and denied her claim, informing her that she would need to pay the balance due before they would remove any negative information or consider adding her to, or opening new accounts for her. Again, she was a minor over the life of the account and is not contractually liable for the charged off balance. I would like this information removed from her credit bureau reports and the records of the credit union, since she is not legally responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reponse was closed with explanation. There was explanation. Only to contact original debtor but I have No info for them and the debt not mine. Never been to that place. I would validation. Copied id ... Signature picture at the time. The reason for debt. Substantial evidence. The company you work for can get information from anyone who gives it meaning your company not safe. Anybody can walk in and be anybody. I wish to only contact with the company fradulently on my credit report. I need your companies proof. I have no knowledge of debt so why would you still have it there and would like this to be remove at once. I should have to contact any one else other than the company on my credit report. Your reporting for another company who has no knowledge of there own system. I wish this to be remove. Legal action will follow. My first time I complain I asked for validation. Not using that word but in that context for evidence. You gave me forwarding number to people who have no knowledge. After today I will report to XXXX XXXX XXXX. The company you work for and so called original debtor. Nothing shows me that the debt belongs to me.
Product: Bank account or service

Bank of America closed this account, and arbitrarily decided to keep {$4500.00} of mine. They claim the money orders deposited were 'not valid for deposit '. Bank of America WAS paid by XXXX XXXX for the money orders AND they refuse to provide substitute checks, a violation of federal law.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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

Multiple names and addresses are reporting on my credit credit reports that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer ( credit ) report on XXXX XXXX, and noticed that there were several accounts that did not belong to me. I completed an Identity theft complaint at FTC. XXXX XXXX XX/XX/2021. I also notified the Consumer Reporting Agencies of the inaccuracy of the information on XX/XX/2021. I provided them a copy of the identity theft report along with the copy of my consumer report with the unauthorized accounts. This information is defaming my character and prevented me from obtaining a loan. The Consumer reporting Agency failed to comply to block and remove all negative information that was related to identity theft. 

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( I ) ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the XXXX has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes
Product: Checking or savings account

My employer opened an account for me at Optum Bank in XXXX, XXXX. I did several deposits and had an investment account with them. I was able to access my account back then. 
In XX/XX/XXXX, a new employer opened a new account for me with Optum Financial. It turns out Optum 's system does not allow two accounts with the same SSN so they closed my account with Optum Bank. 

I didn't pay much attention until I needed the money recently and was not able to access my old account. 

I called them several times ( transferred 6 times from Optum Bank to Optum Financial and vice-versa ). I was on the phone for FOUR hours between waiting times and their terrible customer service. 

I was able to partially retrieve some money - just the HSA money that was not invested. I can not see any of the statements or transactions from that account either. They told me the investment is with XXXX XXXX. 

So two big problems : 1. I was not contacted when they closed my first account ; 2. They are withholding my money. 

If they were able to close the account they should at the very minimum notify the owner so the action can be taken. They had my email and phone number and have sent me other notifications throughout the years.
Product: Student loan

Although I finished attending XXXX I am still paying for student loans for a degree which is not desirable or worthy of mentioning on a resume. I have paid off XXXX of the loans and feel as if the second loan may possibly be seen as already paid due to how much has already been repaid. I am paying interest for a degree that was deemed fraudulent by the government. I realize that by signing to repay the loan in good faith on my part was a responsible action, now I ask that my good faith by paying for a worthless degree be rewarded by you to end paying for said loan. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX ID : XXXX Company was to refund me {$25.00}, but due to their error they XXXX  out my account with send me my credit balance refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have contacted XXXX and all creditors about reporting inaccurate information on my credit profiles and all parties have failed to comply. 
All of the accounts listed below should be reporting XXXX $ and these accounts are affecting my credit scores and is preventing me from applying for new credit. 

1. XXXX acct # XXXX reporting {$6600.00} should be XXXX {$2.00}. Louisiana XXXX XXXX XXXX Acct number XXXX reporting {$1500.00} should be reporting {$0.00} 3.XXXX XXXX acct num XXXX balance reporting {$3200.00} should be {$0.00} 4. XXXX Acct # XXXX reporting {$3400.00} should be reporting {$0.00} 5. Freedom Plus Acct num XXXX reporting {$15000.00} should be {$0.00}
Product: Mortgage

My mortgage company wrote off my mortgage back in XXXX when we filed for bankruptcy and reduced the loan on their books but did nothing on my end. They also did another write-off around XXXX. I still make monthly payments but can not get the history online. I never knew how they applied my extra principal pay. The last time they reported my loan payments on my credit report was in XXXX. Now they are showing up on my credit report. My husband recently had XXXX so I'm behind on XXXX payments. They have destroyed our credit by XXXX points. I have made copies of what I am able to see, there are no statements or history available, only the last XXXX payments. If the mortgage was uncollectable back in XXXX and XXXX how can they now destroy and post to my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I was making payments. I don't understand why my payments stopped. I would love be given another opportunity to start a payment plan on my debt. 

Reference number XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have sent 4 separate messages via email and through the contact us section of the Companys website. The emails were dated XX/XX/XXXX and XX/XX/XXXX. I attached a copy of my debt resolution agreement that I am enrolled in and specifically revoked their ACH access and debit card access. I cancelled the debit card so the first time the debit was declined. 
They attempted a XXXX debit as an ACH and it was paid. This was days after my repeated messages which were not acknowledged, by the way. They are in violation of my rights as a consumer.
Product: Checking or savings account

Someone had access my Pentagon Federal Credit Union with my username and password, online. He/she also created account on XXXX XXXX XXXX in my name and used my address, and then login-ed into this account, transferred/moved money from my accounts from my Pentagon Federal Credit Union to XXXX XXXX XXXX 

After one of the managers at PenFed Credit Union, who was helping me to create new login and new accounts, when I found out about it on XX/XX/2018and went and report to PenFed Credit Union. 

One of the managers at PenFed Credit Union, accredited me with {$35000.00}. 
However, there are still missing 15.000.00 from my old accounts and my new new accounts. I had been see this manager and other managers almost every weekends, since then. Every times, I asked about this missing money, PenFed managers are saying that I needed to file the complain with XXXX Police because of 'Fraud '. The case number for this event is # XXXX 1. One {$5000.00} was transfer from my other credit card account XXXX, XXXX XXXX XXXX then this money were go through XXXXXX/XX/XXXX. I did spoke with managers at XXXX XXXX XXXX XXXX and they all said that I had to speak to Penfed CU. 
2. The other {$10000.00} were transferred from my olds PenFed accounts to XXXX XX/XX/XXXX Credit Card account had not been accounted for. They, PenFed fraud department, think their other manager, somehow missing/forget that. 

One of the manager told me after I file the complained with XXXX Police, they ( PenFed ) will give me this amount of money back to me, but until now, I have not get it back yet. I had been see this manager and other manager almost every weeks since then, and filled out a lot of papers Could some one, please help me to get my missing money back? 

Regards. 
XXXX Bank Name Pentagon Federal Credit Union
Product: Credit card or prepaid card

In XX/XX/2019, My brother in law went missing and 3 weeks later, was found XXXX XXXX on XXXX 's eastside. A Citi Card representative called me and I spoke to them and advised them that i would make my payments but explained what was going on. Two hours later I received another call that I missed, 30 minutes later I received another call from a Citi card representative. I asked her why they were calling me so much, she responded by telling me that they wouldnt call again and hung up. I later found out after contacting the company that she placed me on the ( DNR ). I logged on to the Citi card app and scheduled a payment directly from my bank account. 2-3 weeks later I noticed that the payment was never debited from my account, so I called and to my surprise they Completely closed my account without notification or warning because of 2 returned attempts which was the result of a system malfuction in new software that was implemented by the company. However that was my OLDEST and highest line of credit and I just watched this drop my credit score over 100 points THIS IS NOT FAIR! 

I tried settling because they sent me a settlement offer and paying the debt because the interest is consistantly tarnishing my credit reputation the represntative advised me to call back on a later date which was impacted by COVID-19 but I still called several times. I have also called to pay several times and the collection department just transfers me to different departments and representatives who is never able to accept any paments. I have screenshots the calls and call times, some over 40 minutes each just tro get no where.
Product: Mortgage

My loan was transferred to Shellpoint about a year ago. I was working on a loss mitigation plan with them to start back my payments. They sent me a letter with all the paperwork I needed to send them. I did that. Every time I called or emailed they always said something was missing from the documentation that I sent so I would resend what they said was missing. This kept going on for months. When I would call they would say theres nothing more you need to do now because it was being reviewed. I have been through 3 Point of contact each time I had to start over. I would ask them if they did not see all the times I sent the documents. They always had an excuse. This last time I was called I was told that I had to pay the XXXX that was due. They already had a sale date. If I had not called I would have never known. The third poc was going to resubmit my paperwork to see if there was anything they could do. I have been trying to call him and email him daily with no communication. They are extremely rude and hateful. Its sad that they would rather kick a single mom out of her home that she has invested 10 years into. I also have an XXXX father with XXXX living with me than help someone keep their home when they are willing to pay extra monthly. This place is a total nightmare
Product: Credit card

Subject : Urgent Complaint Regarding Loan Handling - Case XXXX I am writing to formally register a complaint regarding the handling of loan XXXX by Affirm Loan Company. 

On XX/XX/year>, Affirm XXXX XXXX refused to cancel loan XXXX, amounting to {$1100.00}, despite the vendor ( XXXX ) XXXX the related purchase on XX/XX/year>, following complaints. Despite this cancellation, Affirm proceeded to process and demand monthly payments for the aforementioned loan, even after being notified of the cancellation XXXX days prior. 

Furthermore, Affirm has recently indicated that another vendor ( XXXX ) requested payment of approximately {$140.00} on XX/XX/year>, which was inexplicably leveraged against loan XXXX. This action is concerning as the cancellation request from XXXX should have logically led to the closure of this loan. 
It is important to emphasize that Affirm continues to demand monthly payments on the cancelled loan amount originally associated with XXXX, which is clearly erroneous and unjustifiable. 
I urge your immediate attention to rectify this matter promptly. Please confirm the closure of loan XXXX and cease any further unwarranted demands for payments related to the cancelled transaction with XXXX.
Product: Mortgage

I am writing this complaint due to the fact that Quicken Loans has denied me for credit you can find this situation under APPLICATION # XXXX. I spoke with a gentlemen by the name of XXXX XXXX XXXX who has asked me to put a down payment for an extension of credit this violation falls under 2 different statutes the first being The Truth In Lending act you can not advertise or promote that a down payment is required in connection with any extension of consumer credit pursuant to 15 USC 1662 ( 2 ). 
Second violation being under the The Equal Credit Opportunity Act, Quicken Loans has violated me due to the fact that it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter. 
The chapter is 41 Consumer Credit Protection where The Truth In Lending Act is in and under the truth in lending act there is a definition called credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. As you can see It is MY RIGHT TO GRANT CREDIT and you aren't allowing me to do that making this an act of discrimination because I have tried to grant credit which is my right.

1. I NEED A RESPONSE STATING IF XXXX XXXX XXXX ASKED OR REQUIRED ME TO PUT A DOWNPAYMENT DOWN IN AN EXTENSION OF CREDIT. 
2. ALSO I NEED A RESPONSE TO WHY I HAVE BEEN DISCRIMINATED AGAINST FOR GRANTING CREDIT WHICH IS MY RIGHT.

3. AND LASTLY I NEED A SENIOR EXECUTIVE TO DEFINE THE TERMS YOU HAVE USED BELOW DUE TO ME NOT UNDERSTANDING FOR THEY ARE NOT IN THE TRUTH IN LENDING ACT : LOAN BORROW DEBT INCOME LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : 1.XXXX XXXX  XXXX XXXX ) 2XXXX XXXX XXXX XXXX  ( XXXX ) To date these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number XXXX. Name of the agent XXXX. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.