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

I made a transfer on XX/XX/2022 from my Chase checking account to a new XXXX XXXX savings account in the amount of {$65000.00}. The transaction was completed correctly. On XX/XX/2022, at XXXXXXXX XXXX XXXXXXXX, I used my phone app to open my Chase account. There were two pending transfers of {$65000.00} each from Chase to XXXX XXXX. I did not authorized either of those transactions. 

I contacted Chase customer support at XXXXXXXX XXXX XXXX on XX/XX/2022. I was told several reasons, but eventually the representative indicated a claim would be initiated and my money should be returned to my account within 12 hours. I was also told that XXXX XXXX was the company who caused this problem. I made numerous call back to Chase customer service during the day and was given different suggestions and answers. My saving account was {$0.00} and my checking overdrawn by over {$100000.00}. I could not pay my bills. ( Case # XXXX ) I called XXXX XXXX at XXXX XXXX XXXX ( soonest they were open ) and was told they did not have the money, only the one transaction I requested on XX/XX/2022. XXXX XXXX indicated they did not have access to my checking account to make the duplicated withdrawals. I talked to XXXX XXXX several times during the day. They sent me the following email : [ Incident : XXXX ] Hello, Thank you for reaching out about your multiple transfers from your Chase account. 

Our Operations team has reviewed and found that the transfer file received and processed contained only one transaction. We have researched this thoroughly and have not found that XXXX duplicated your transaction. 

We recommend that you reach back out to Chase to have them research this further and escalate to their team. 

Thank you, XXXX Chase has not followed up with emails or other contact to inform me what is being done to return the {$130000.00} back to my account. I was told by Chase they would be sending me an email.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year I have paid Lexington law firm and infinite finance to repair my credit. The negative items on my credit are old, settled, went through a chapter XXXX in 2012 or are simply not mine. I was told by both companies that it wouldn't be hard at all to get them removed. My credit sits on now at XXXX and I am trying to purchase a home.
Product: Debt collection

We are a military family and received orders to the XXXX in XXXX of XXXX. We contacted XXXX XXXX to let them know we were moving and they told us that under the military clause they could suspend our service until we return to the States and furthermore they would pay off our phones. We submitted all required paperwork to get the process started. We had to email several times and submit the paperwork several times because the departments within XXXX  can not communicate with each other. We finally arrived to the XXXX in XX/XX/XXXX to only find out our phones were not unlocked as promised. I stayed on the phone with XXXX  for over 3 hours trying to resolve the issue. I had to contact them at least 2 more times before we were finally to unlock two of the phones. We were informed that the 3rd phone would not be unlocked because I had switched an upgrade option with my son. We were never told about this when we did the upgrade that the phone would not be unlocked nor were we told about this when they made us the initial offer to pay off our phones.. Because of all the headache we decided to cancel our service with XXXX  altogether and in XXXX of XXXX while I was in the States to pick up our dog I went to an XXXX  store to pay of the remaining phone and cancel our account. I did this on XX/XX/XXXX in XXXX, GA. When I arrived back in the XXXX I discovered that they did not apply my payment to my phone but rather to my account. I once again had to go on the phone and spent over two hours trying to get the issue resolved. 
My son who remained in the States went to an XXXX  store in XXXX XXXX, Texas on XX/XX/XXXX to get a prepaid plan for his phone because we cancelled our contract. His phone was unlocked and paid for. He was told the system was down and to come back later. My son decided to get a new number and switched to XXXX that same day. 
We received a bill in the amount of {$160.00} in XXXX of XXXX. I contacted XXXX  to find out what the bill was for. I was informed it was for my sons number which was XXXX. I told them that we did not owe this and after explaining that he was no longer with them I was told that this would be taken care of. We received two more bills in XXXX and XXXX of XXXX and each time I contacted XXXX  trying to get the issue resolved. After receiving another bill in XXXX of XXXX we went to the military Judge Advocate Office to get some help. Staff Sergeant XXXX contacted XXXX  on our behalf. After spending another 2 hours on the phone with XXXX it was determined that the XXXX  store opened up an account for this number under my husbands name without our authorization. Staff Sergeant XXXX was transferred to the Fraud department and was told they would investigate this. We did not hear anything back from XXXX so we assumed the issue was taken care of. 
My husband received a notice in XX/XX/XXXX from XXXX XXXX that he had a collection on his account. After some research we have discovered that XXXX sold this bill to a debt collection agency and now my husband has a negative collection on his report that should not be there.
Product: Student loan

I have requested deferments on this account and or loan forgiveness because the school is no longer in business and while attending this school, I was not satisfied with them. I was not able to continue with the payments assigned to me at that time. I continue to ask for a deferment but the vendors/loan companies for the school continue to pressure me to accept a forbearance. I know that a forbearance causes the student loan to increase and at the time I was working and making {$9.00} an hour with XXXX XXXX and could not afford to pay on these loans. Since the school has closed. I am requesting a loan forgiveness. Please advise. I appreciate your time and concern with this matter. I eventually continued my education with the monetary assistance of my parents. However, I am receiving continued calls and emails for Navient and XXXX XXXX XXXX. I can not afford a Forberance and continued request for a Deferment is not answered.
Product: Credit reporting or other personal consumer reports

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

DearConsumer fFinance Protection Bureau, This letter is to inform you that Synchrony Bank has illegally and in bad faith submitted a form 1099-C to the Internal Revenue Service ( IRS ) despite being aware that the debt resulted from identity theft. This form 1099-C is an official form used by the IRS to report cancellation of debt and thus should only have been done by first addressing the issue at hand. I have documentation to prove that I became a victim of identity theft, which was the cause of the debt owed. I am making an official complaint and request that the IRS revoke this form 1099-C,
which synchrony filed improperly. I request that Synchrony Bank take steps immediately to prevent this type of malicious behavior from occurring. Furthermore, I ask that Synchrony Bank be held accountable for the financial damage caused by the improper filing of this form.

I would appreciate your consideration in this matter, and if there is anything I can provide to further my case, please do not hesitate to contact me. Thank you for your time and consideration.

The Texas Deceptive Trade Practices Act prohibits debt collectors from submitting false information to the IRS on a Form 1099-C. This protects the consumer by preventing an inaccurate representation of the consumer 's tax liability to the IRS. It also ensures that any action taken by the debt collector is done in a manner that is fair and honest to the consumer, as outlined in the act. In addition, the consumer can take action against the debt collector if any unlawful or deceptive practices were used by the debt collector during the process.
Product: Credit reporting or other personal consumer reports

I have recently review my credit report and realize all these inquiries are not mine as I have reached out to the companies to try to have them removed and explain to them that I have been going through that for the past 4 to 5 years and this was not me. 




Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Making a complaint of fraudulent account AXCSSFN / CNGO XXXX that's not mine. This company continues to report false information to the XXXX credit reporting agency damaging my credit report. I have filed the proper identity theft report with the Federal Trade Commission. I will take legal action if this company continues to report this false information to XXXX credit reporting agency.
Product: Checking or savings account

I XXXX XXXX opened 2 High-Yield Savings account XXXX XXXX XXXX XXXX XXXX  online sometime in XXXX XXXX XXXX. Upon opening the account I transferred money into the account from XXXXXXXX XXXX XXXX to fund the account.I also got a payday loan, in which they ACH deposited the loan into my account. XXXX after the deposits were made, the bank froze my account where I didn't have access to my account. I was told the account would be closed and funds would be sent back. I spoke with several customer service representatives and each time I received the run around and was told I could not get access to the account. I was then told the account was closed. I kept receiving emails about my account statement and would then call and speak with representatives in the fraud department. They assured me that the accounts were closed. After continuously receiving emails for these past 6 years about account statement, I continued to call Sallie Mae Bank and received the same response that the accounts were closed. The bank has recorded calls and notes from every phone call I have made since XXXX. I also have some phone recordings where I spoke with numerous representatives and was told my account was closed, which is was not. Lastly, on XX/XX/XXXX, I recorded a call made to Sallie Mae and spoke with XXXX and he informed me that there are 2 accounts still open. Account ending XXXX with balance of {$1000.00} and account ending XXXX with balance {$27.00}. He stated he could request the account be closed and a check would be mailed out to my address. He then called the fraud department to make sure that would be okay and he said they instructed me to send them proof of the transfer from the XXXXXXXX XXXX I then asked him to transfer me to the fraud department to get the information from them. He transferred me to the fraud department and I spoke with a representative on a recorded line. I asked her what the reason was for my account being frozen and she stated it was because it seemed like fraud. I only had 2 transactions on the account XXXX, so I didn't understand what they meant by fraud. I did not break any laws by transferring money from greendot and getting a payday loan. She stated she spoke with upper management and they said the account would remain open, but frozen. According to the law in South Carolina, a bank can only hold funds 5 years ( Escheatment ). 

I filed a complaint back in XXXX and it stated that Sallie Mae would close these accounts and send the money to the state of Michigan and I have since waited 3 years and I spoke with a representative XXXX XXXX XXXX XXXX who confirmed the accounts are still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone stole my information and opened a credit card and got cable or internet in my name
Product: Credit reporting or other personal consumer reports

I have a Raymour and Flanagan credit card issued by TD Bank that has been paid off and carries a XXXX balance since XX/XX/XXXX. At least once a month I get a XXXX XXXX alert that my credit score drops XXXX points. I go in to check it and it's the Raymour and Flanagan card and they keep changing the XX/XX/XXXX payment to " late ''. This happened thru XXXX once, I disputed it and they corrected it. This has been going on with XXXX now at least 4 times. I see it, I dispute it, and it gets corrected. Three weeks later the exact thing happens again. This last time I received an email from XXXX stating that the information is correct. How can I have a late payment in XX/XX/XXXX when the account was paid in full in XX/XX/XXXX? There's was no payment to be made in XX/XX/XXXX to be marked as late. I contacted Raymour and Flanagan and they said they have no record of the issue. I tried contacting TD Bank and can't even get somebody on the line to talk to. I'm getting tired of dealing with this issue every month.
Product: Money transfer, virtual currency, or money service

Trying to set up an account with XXXX for my son and it's saying that PNC won't allow linking accounts.
Product: Debt collection

Equifax keeps reporting an XXXX XXXX  open collection on an account that should be closed to exempt funds i want them to remove the consumer statement they wrote and replace it with my new consumer statement : this is a XXXX XXXX XXXX  account which is exempt from debt collection this account is illegally being reported as an open collection under the law they must write my statement as is or delete the trade line
Product: Credit reporting or other personal consumer reports

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Product: Debt collection

account was obtained by someone who used my identity, please remove this account from all credit reporting agencies and all negative remarks.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the removal of the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX - Date of inquiry : XX/XX/2023
Product: Checking or savings account

I lost my wallet and didnt realize my chime card was in there until XX/XX/2020 i checked my account and noticed i had 3 unauthorized transactions and i filed a dispute with chime but they told me no error occurred now all of my XXXX funds are gone.
Product: Debt collection

On XXXX I reviewed my credit report and noticed that it was a collection from LVNV Funding LLC. I do not know who this company is and have not received any documentation for me to verify this alleged debt. LVNV Funding LLC have put a collection on my credit report without my consent. This alleged debt has damaged not only my credit score but my reputation and character. LVNV Funding LLC has also violated my rights as a consumer and has violated the Fair Debt Collection Act.
Product: Credit reporting or other personal consumer reports

The consumer is in violations of my consumer rights. 
under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to XXXX XXXX in XXXX, North Carolina to trade in my XXXX XXXX XXXX for a XXXX XXXX. The trade-in/deal was successful with no issues and the payoff check for {$26000.00} was sent to Nissan Motors Acceptance Corporation ( NMAC ) on XX/XX/XXXX. The check was cleared on XX/XX/XXXX and it was processed by NMAC on XX/XX/XXXX. Upon processing, my auto loan with NMAC was closed as it was paid in full and was reported to all three credit bureaus with the same status. On XX/XX/XXXX, I received a notification on the XXXX XXXX app on my XXXX and saw that the loan had reopened this month and I lost 40 points towards my XXXX score, 8 on my XXXX  and 10 on my XXXX score. It was also reported that I have three late payments when I never had a late payment during my time with NMAC ( I purchased the Nissan brand-new in XX/XX/XXXX from XXXX XXXX in XXXX, NC ). I spoke to three different representatives from NMAC over the phone and each time the rep could n't explain why my auto loan account reopened and promised to call me back with any updates but never received a callback. On XX/XX/XXXX, I went to XXXX XXXX & spoke to the payoff clerk who handles the payoff checks and she confirmed with me that not only that the payoff check cleared with XXXX 's bank but the XXXX has since been sold and when the payoff check was cleared on Nissan 's end, NMAC sent XXXX XXXX the title of the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have over XXXX hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all XXXX credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my XXXX XXXX.
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 : XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX  ( XXXX ), ( XXXX ) XXXX. XXXX XXXXXXXX ( XXXX ) XXXX. XXXX XXXX XXXX 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 5. Name of the agent 6. 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.
Product: Debt collection

I opened a Credit Card with Capital One XX/XX/XXXX. I fell behind on the payments but I paid off the debt I owed XX/XX/XXXX. It is still showing up on my credit report as a closed account and is the reason XXXX cant get any credit. I would like it removed from my credit report please!
Product: Mortgage

I was having a hardship that caused me to get behind in my mortgage but now I 'm able to pay my mortgage. I asked for assistance with the past due amount and they are unwilling to listen or assist me they just want to put me into active foreclosure.