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

Urgent Resolution Needed for Business Account Closure I would like to formally file a complaint regarding Chase 's decision to close our newly opened business account due to alleged fraud detected on our very first deposit. Despite multiple visits to the branch, three in total, and speaking with different branch personnel, we continue to receive conflicting information, and the issue remains unresolved. We have called customer service a total of five times with the same unresolved outcome.

Chase is currently holding the deposited funds, yet the issuing business can not file a claim with their bank since the funds have already been claimed by Chase. We have been informed that Chase utilizes a backend system to verify our business, but it appears to be incorrectly associating our business with a phone number that is no longer linked to us.

We have provided all requested documentation, and Chase has also confirmed the validity of the check with the Controller of the issuing business, which is our customer, a General Contractor. Despite this, no resolution has been provided.

This situation is critically impacting our operations, as we are now unable to pay our employees. We urgently need a solution to resolve this matter. Please escalate this issue immediately and advise us on the next steps.

Thank you for your prompt attention to this matter.

Note : This appears to be a common issue where funds are put in a purgatory for months. Several complains online with similar issues and I have first hand experience with this exact issue happening elsewhere.
Product: Checking or savings account

On XX/XX/XXXX, I opened both a checking account ( XXXX XXXX XXXX XXXX ) and a savings account. The checking account opening was associated with a promotion where I would earn a {$400.00} bonus for a new XXXX XXXX XXXX XXXX and completing the following requirement : Receive XXXX or more qualifying direct deposits with a cumulative total of {$7500.00} or more within 90 days of account opening. 

I switched my employer direct deposit and was going to soon meeting the {$7500.00} in cumulative direct deposits when I received an email on XX/XX/XXXX ( 41 days later after opening ) that my accounts would be closed based on XXXX on XX/XX/XXXX if I did not close the accounts earlier on my own. To date, I had made {$4400.00} in direct deposits and would have had another {$2200.00} hit on XX/XX/XXXX. I would have met the bonus promotion terms within 60 days of opening if they allowed me to. 

This seems like a bait and switch. If they truly wanted to avoid account openings, they could have surely reviewed my account via XXXX within a week of opening. It appears they wait until once it is clear a new account is on track to earn their {$400.00} promotion and then look to close the account to avoid paying the promotion ( using XXXX as a cover ). 

It is also possible that this bank just has a horrible customer service business model where it is part of their policy to avoid fully reviewing account until XXXX months after the account is open ( and account owner starts to depend on that account ). 

Either way, this speaks poorly into the way XXXX XXXX conducts their business and I wish to warn future customers of their behavior. Thank you for your assistance in this matter and helping to educate the public about this bank 's practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX  XXXX XX/XX/XXXX : XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : Account Name XXXX XXXX XXXX Account # : XXXX In accordance with the fair credit reporting act XXXX  accounts XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has Violated my rights .

15 U.S.C 1681 section 602 A States i have the right to privacy.

15 .U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking Equifax to provide Proof of Validation for 3 accounts in collections on my credit report. I sent my initial validation request to them to them in XX/XX/2019 certified mail and received a response back from them dated XX/XX/2019 that the 3 item on my collection report were validated ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). I then sent a XXXX XXXXquest Proof of Validation Letter on XX/XX/2019 to Equifax and received a response dated XX/XX/2019 the same exact letter from the XXXX response ( another Oscar letter ). I then on XX/XX/2019 sent Equifax another certified letter of Proof of Validation and Pending Complaint Filing letter in which I received a response dated XX/XX/2019 again the same Oscar letter they sent the two previous times. I then on XX/XX/2019, sent another certified letter to Equifax requesting a Credit Bureau Verification Procedure Request and received a response dated XX/XX/2019 that they were valid and that they would no longer investigate. The letter also was the same Oscar letter i have been receiving from them. Equifax has not been thoroughly been investigating these collections and instead just allow Oscar to generate responses.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also because my credit was affected by the XXXX  Data Breach and I have put a freeze on my credit profile because I dont want any one to get access to my information. I have paid for the monitoring service from XXXX since the free credit monitoring service was provided through XXXX for customers. I believe it ended in XXXX and I've been paying for a monthly subscription since XXXX of XXXX
Product: Debt collection

I found a bill for Pinnacle on my Credit Bureau. I contacted Pinnacle with no response. I disputed with the collection agency, who state they verified the debt. I then contacted the original creditor with all of the information on my credit bureau report and was told that they do not have any information on me! A debt validation letter was sent on XXXX/XXXX/2015 with no response as of today, it has been XXXX days with no response and it is STILL on my report!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Zelle accepted a request of {$120.00} to a XXXX XXXX. Someone who appeared to be a tattoo artist with the company named XXXX or XXXX XXXX. They booked an appointment using XXXX and took the money. The company does not exist but the funds should be able to be traced back to an authorized account who should be held responsible and is not.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXX  - {$4.00} Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Checking or savings account

Using XXXX  to connect my PNC Account to my XXXX account, It Will NOT work for me. It goes through all the steps but at the last one, verifying my mobile number, it says PNC has made changes to stop the service.
Product: Debt collection

Attn : JH Portfolio : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In correspondence dated XX/XX/2016 I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to your company, under FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that you are to delete the fraudulent account from my credit report and give up all collection activity. Your company not only failed to do this, but also verified the debt as a valid debt when the credit bureaus contacted you to verify validity of the debt. This is a blatant violation of my rights FCRA. Additionally, the only response to the ID Theft report that I had sent your company was sent to me by your assignee XXXX XXXX XXXX, who perplexingly claimed that I needed to send them more information, and perplexingly they asked for the police report again
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX , and XXXX XXXX. 
As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

My account with XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported to be removed.

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 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! 

Delete the late payments from my consumer reports
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 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  ) The above account were created without my knowledge
Product: Debt collection

On XX/XX/20 I've received notification from Nationwide Credit Inc in  regards to an alleged debt owed to XXXX XXXX in the amount of {$1300.00}. In accordance with the law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).
Product: Payday loan, title loan, or personal loan

I applied for an extension of credit today for personal, family, and household use and was denied by XXXX XXXX Prosper Marketplace Inc XXXX According to federal law in accordance with the Equal Credit Opportunity Act, it is against the law to proclaim adverse action against a consumer. I, a natural woman and living soul issued value ( my social security number ) for a request of credit and am demanding proceeds be paid. An offer of credit was extended and accepted but XXXX failed to perform as agreed. I have XXXX given unalienable rights, and nothing trumps those rights. I have attached my denial showing evidence of discrimination, making XXXX criminally liable. I have also attached my adverse action letter stating XXXX rectify this affair, otherwise this would be considered an unauthorized use since I received NO BENEFIT!
Product: Credit card or prepaid card

XXXXXXXX XXXX, Fraudulent checking account opened with my ID and address. 

Capital One Bank, TWO fraudulent XXXX opened with my ID and address. 
Fraudulent checking account opened with my ID and address. 

XXXX XXXX XXXX Fraudulent card opened with my ID and address XXXX XXXX XXXX, XXXX. Fraudulent checking account opened with my ID and address. 

XXXX XXXX XXXX XXXX, THREE fraudulent checking accounts opened with my ID and address. 

XXXX XXXX XXXX XXXX Attempted credit application. Credit letter denial received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the payment history is inaccurate, and date last reported is not accurate, there are so many errors on my credit report & they also violated my rights under 15 U.S.C. 1681 602 A. State I have the right to privacy. 

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have attached my credit report with all the inaccurate errors thats currently being report by all three ( 3 ) credit bureaus as proof.

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: Mortgage

In XX/XX/2023 Specialized Load Servicing LLC paid property taxes on XXXX different parcels out of my escrow account, a total of {$10000.00}. The total should have been {$6000.00} for the parcels I own. As soon as I received my XXXX statement, I called them to have this corrected so it would not affect my monthly payments too much by time the adjustments came out. Now starting in XXXX, escrow adjustments have been made changing my monthly payment from {$2700.00} to {$4100.00} since I am still be charged with paying for property taxes on property I do not own. I have reached out multiple times and was told the issue was being resolved and to ask for a new escrow analysis. I did receive the new analysis and nothing has been corrected or change. This is now affecting all my finances besides just the mortgage.
Product: Credit card or prepaid card

XX/XX/2023 for XXXX at time XXXX. 
Police report XXXX with XXXX XXXX XXXX XXXX, NC Informed Citi Bank of fraud and informed Best Buy. I fear this charge will not be removed from my card. I did not make this instore purchase and have requested XXXX retrieve footage at time of purchase but am being told they will not release the footage. Please assit me with this request or to ensure all measures are being taken to resolve this fraud.
Product: Consumer Loan

XXXX and XXXX XXXX XXXX XXXX VA XXXX : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

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

I disputed and contacted the company several times.
Product: Student loan

I have made regular and consistent payments of {$170.00} each month to Navient to pay my federal student loans serviced by Navient. Navient stated that I failed to pay my federal loans for 7 of 12 months in XX/XX/XXXX and 4 of 12 months in XX/XX/XXXX. I provided documentation of the completed auto payments made from my checking account, electronically paid to Navient for federal loan payments for 12 of 12 months in XX/XX/XXXX and 12 of 12 months in XX/XX/XXXX. I have provided proof that I made payments properly and automatically each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit report i have noticed the following accounts had a discrepancy in the " payment history '' section of the listing : Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX these charged off accounts is reporting payment history each month when it should not since the accounts have been charged off. this is falsely manipulating the status of limitations which is a FCRA violation. 
FCRA623 ( a ) ( 5 ) ( a ) ( 5 ) Duty to provide notice of delinquency of accounts. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FURIOUS WITH THE 2 CREDIT REPORTING AGENCIES XXXX AND XXXX AND THE 3 COMPANIES WHO ARE IGNORING MY REQUEST FOR REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. ITS BEEN OVER 1 MONTH AND IT IS STILL IN PENDING STATUS, BY LAW IF THEY CAN NOT PROVE THAT THIS IS MY ACCOUNT THEY MUST REMOVE IT FROM MY CREDIT REPORT, THEY CAN NOT SAY THAT WE HAVE NOT COMPLETED OUR INVESTIGATION AND IT CAN TAKE OVER 60+ DAYS. THEY MUST GIVE THE 3 CREDIT BUREAUS *******COMPLETED***** INVESTIGATION RESULTS, NOT GIVE THEM INCORRECT INFORMATION OF THE ACCOUNTS BEING VALID, WHEN THEY HAVE NOT EVEN CONCLUDED THEIR INVESTIGATION!!!! THEY HAVE NO SOLID VIABLE EVIDENCE THAT THEY CAN USE, SENDING ME CREDIT CARD STATEMENTS IS NOT PROVING THAT THOSE ACCOUNTS BELONGED TO ME!!!!! I WILL NOT BE RESPONSIBLE FOR FRAUDULENT ACTIVITY THAT WAS NOT DONE BY ME!!!!!! ABSOLUTELY RIDICULOUS CUSTOMER SERVICE, THIS IS MY FINAL ATTEMPT TO SEEK HELP FROM YOU SO THEY BOTH REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. XXXX  WAS AMAZING AND THEY REMOVED THE FRAUDULENT ACCOUNTS IN A TIMELY FASHION, ON THE OTHER HAND XXXX AND XXXX  BOTH ARE NOT REMOVING THE ACCOUNTS. I AM REPORTING THE 2 CREDIT REPORTING AGENCIES XXXX  AND XXXX AS WELL AS THE 3 LENDORS WHO ARE REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT, THEY HAVE RECIEVED MY FEDERAL TRADE COMMISSION REPORT.
Product: Consumer Loan

Loan were charge off, went to collection ... had settle in full with collection but original collector continue to report after settlement. ITs not accurate report, please remove/delete loan from credit bureaus.
Product: Mortgage

Wrongful Foreclosure : Mr. Cooper foreclosure on XXXX XXXX home located at XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/XXXX. 
Ms. XXXX filed Bankruptcy Case # XXXX on XX/XX/XXXX ( Exhibit A ) Ms.   XXXX was informed by Mr. Cooper and confirmed that the foreclosure sale date scheduled for XXXX XXXX, was stopped due to the filing Chapter XXXX Bankruptcy on XXXX XXXX. ( Exhibit B ) On XX/XX/XXXX a representative from XXXX XXXX XXXX spoke to Mr. Cooper loss mitigation to check on the status of the loan : Called the lender. XXXX called Lender ( XXXX ) XXXX. I spoke with XXXX and XXXX in the foreclosure department. He said that the home sold on XX/XX/XXXX. I told him that we have a letter from them stating the the sale was postponed due to bankruptcy. XXXX then said he would transfer me the Bk dept. 

Spoke XXXX in the Bk dept. She also said that the home sold on XX/XX/XXXX. I mentioned the letter but she said she could not do anything else.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under: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 an account without my written instructions. 

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

XX/XX/2022, my XXXX XXXX engine went out while my wife and children were traveling from XXXX headed to XXXX. The local tow truck to a garage where the mechanic diagnosed the vehicle and said itd cost way too much to fix given the value of the car and how much was still owed on it. An economical decision was made to relinquish the vehicle to XXXX XXXX. They sent mail stating theyd keep the vehicle if I couldnt pay it off ( as if that made sense as I told them why I relinquished it to them ), keep the promissory note, and furnish the repo onto my report. They did not disclose I had to consent and state I wanted the repossession reported. XXXX XXXX also reported multiple late payments which violates 15 USC 1681a ( 2 ) ( a ). My transactions are not supposed to be reported at all, good or bad. I believe XXXX XXXX wanted to willfully injure me. They never responded to my response and have continued to call harassing me. The initial letter had a threatening tone to it. The reps that called and those who answered when I reached out with concerns were also snippy. If that has any relevance. 

The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.