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

I noticed a charge on my account for {$1800.00}. I notified the fraud department at U.S bank ( which is who i bank with ) immediately and let them know what was going on. I explained to U.S bank that i live in XXXX XXXX Washington and the {$1800.00} charge was from a company in Florida that seems to be a garden nursery. I never received any verification for this purchase from U.S bank. U.S bank granted me a provisional credit back within a few business days to investigate the charge and ensured me that everything would be taken care of. I received a letter in the mail from U.S bank on XX/XX/XXXX stating that the claim for the fraudulent charge was denied, and the reasoning was they found proof that i " benefited '' from the purchase so the {$1800.00} charge would be withdrawn from my account on XX/XX/XXXX. I have not benefited from this purchase as i have been unable to pay my bills or even buy myself lunch at work i also cancelled my debit card immediately after the fraudulent charge was on my account and was unable to use my account until i received a new debit card which was 10 business days after i reported the fraud. After receiving the letter in the mail i called U.S banks fraud department and was told a case worker would call me in the next 24 hours, i still have not received a phone call and when contacting U.S bank to inform them that i have not received a phone call they claimed that the case worker handling my case has tried contacting me 3 different times and each time they got a " busy '' signal when calling my number, i do not have any restrictions on my phone number so i am unsure why they have not been able to successfully contact me and i verified with U.S bank that they have the correct phone number. I need this resolved ASAP.
Product: Checking or savings account

Chase bank had declined a check, and the funds were in the account. I have overdraft protection on all my accounts. I had a direct deposit come in for over XXXX dollars
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Student loan

I qualify for the settlement with Navient ; I attended the XXXX XXXX, my student loan was established in 2007, my payments were late ( in deferment ) for more than seven months multiple times over the past 15 years and I am a Vermont  resident. I've called Navient to receive my settlement and first I was told that I wasn't eligible because I did not default on my loans. The eligibility requirements for the settlement do not say anything about defaulting but that loan payments had to have been late for more than seven months. Then Navient told me that Vermont had not yet executed the settlement.
Product: Consumer Loan

XX/XX/2016 XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX, XXXX XXXX Re : Acct # XXXX X To Whom It May Concern : This letter is regarding account # XXXX X, which you claim MY ACCOUNT WAS CHARGED OFF {$13000.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action This is the copy of the letter i sent to santander. they have not responded. They failed to send the document requested according to the above letter. i am hereby requesting they delete any negative report from all XXXX credit bureaus immediately.
Product: Mortgage

I have been reporting on a Fraudulent Loan against my home. I have had several conversations with Suntrust that illegally transferred debt to my home through two different mortgage accounts. I have had the first mortgage investigated by XXXX. XXXX that confirmed there was not a mortgage against my home. It is not on my credit report etcetera. Then in XX/XX/2021 I was alerted that a fraudulent lien against me had been recorded in XXXX XXXX. I have reached out to Suntrust and Truist for a pay off or record of missed payments and they have refused. I contacted XXXX. XXXX of Truist once again to research this second fraudulent mortgage with no answer. XXXX XXXX XXXX used fraudulent documents and information he sent to Suntrust Legal Department about how and why I was responsible for this new Heloc loan. He reported that I agreed to this mortgage through Probate that has been reopened and Judge XXXX XXXX did not rule for or against my suit against XXXX XXXX, He retired to not rule against a colleague that was in default and had acquiesced. In civil court he was able to win legal fees but after I filed a formal complaint against XXXX XXXX XXXX for denying equal and fair justice and Bias against me as the XXXX self represented. The court ruled that XXXX XXXX had to dismiss his case for legal fees which he did. However, XXXX XXXX XXXX allowed XXXX XXXX to schedule another hearing while denying the Plaintiff to be heard at all. This will be XXXX XXXX third time being heard in private, telephonically while the Plaintiff was refused equal protection under the law. XXXX XXXX never removed his legal fees. So he has once again is trying to get legal fees from three different judges. XXXX XXXX has had the upper hand because he has been able to use XXXX XXXX that have allowed him to record and behave as a thug and criminal. He can use a XXXX in XXXX XXXX to file for Bankruptcy to avoid taxes and public records and judges to remove him and destroy XXXX XXXX XXXX XXXX XXXX mortgage fraud lawsuits. He has worked in XXXX XXXX till a death occurred but still have gone unpunished. The multiple dockets, rotations of judges and personal representatives in public records XXXX XXXX and XXXX XXXX XXXX has been his accomplices in his crimes against me. Down to the fact he had a docket that was unknown to me where my Irrevocable Marital Trust was destroyed. The legal fees and fraudulent documents and NO OVERSIGHT HAS ALLOWED XXXX XXXX TO GET AWAY WITH EMBEZZLEMENT AND MORTGAGE FRAUD AGAINST ME AT A COST OF OVER XXXX XXXX DOLLARS. XXXX XXXX CO-CONSPIRATORS MUST BE BROUGHT TO JUSTICE TO PROTECT THE PUBLIC. SUNTRUST NOW TRUIST MUST RELEASE THE {$0.00} BALANCE THAT XXXX XXXX AND XXXX XXXX OF XXXX SC SIGNED WAS PAID OFF UNDER PENALTY OF PERJURY. XXXX XXXX. XXXX MUST RELEASE THE PAY OFF OF THIS FRAUDULENT TRANSFER. Under the law or be held accountable.
Product: Debt collection

Hi this debt is fraud - Ive already disputed and it was deleted due to fraud. The company XXXX collection was sold the debt from XXXX while XXXX knew the debt was flagged as fraud and deleted attached is the correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX   2017  i contacted  XXXX   XXXX   XXXX  about my Equi fax Credit file reporting the same account twice. One reports as a charge off and one reports as an open credit card balance. The information reporting is incorrect. I have disputed this and the company keeps verifying incorrect information. I have asked for this incorrect information to be deleted from my credit file only for inaccurate information to remain on my credit profile.
Product: Credit card or prepaid card

Ive written a letter and called American Express Serve about my sub account. My sub account has been locked and I cant close it or transfer the money to my main account so it can be used. I sent the letter in XXXX and have I not received a response. And Monday on the phone the representative could only tell me to send a letter. They werent able to escalate my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX-Balance {$0.00}
Product: Credit card

On or around XX/XX/year>, PenFed Credit Union drastically reduced my credit by about {$4000.00} ( $ XXXX to $ XXXX ) shortly after I made a large payment toward my balance of about {$4000.00}. When I called them to ask why they did this, they said they did an " automated review '' of my account and the systems concluded that my limit should be drastically reduced. My history with this company has been spotless. I never missed a payment and tried to maintain my account in good standing. I never went over my limit. The reason I paid the large payment was that I am trying to get my credit utilization down to improve my credit score. I feel like the company took advantage of my large payment. Their reasoning also included that " they are coming down hard on credit limits ''. Given that my account was in great standing, I feel this is unfair. They gave me no avenue to get back my credit limit back to what it was before.
Product: Credit card or prepaid card

Over the years trying to pay my credit card bill with Capital One has been a nightmare. Previously, i tried to make payments for which they said were return but my bank doesn't have a record of the ach transaction. Due to capital one stating they never got the payment i started using a debit card. I had trouble using my card on the website in XXXX and i received a late fee and i sent a payment in in XXXX due to my debit card being stolen and they said they didn't receive that. I can not remove the old card from there website and they said if i made a payment with them my debit card number would replace the old number and i could go ahead and pay the remainder of the bill. I went online the old card is still in there system and i can't remove or edit the account number. Capital one is forcing customers to keep account numbers on their profile. This account is no longer valid. I called in and spoke to XXXX who yelled and was not helpful and said the back office refused to review any calls pertaining to this matter. I would like all the fees associated with this issue to be credited back to the account so i can pay my bill off and not have an issue every month trying to pay this bill.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ experian ) for the period of [ XXXX XXXX of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of XXXX XXXX, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My name is XXXX XXXX and XXXX XXXX XXXX  are thieves. My card was charged XXXX XX/XX/2022 and this reversal of claims have been going back and forth for XXXX  months. They have provided XXXX proof as to why my card has been charged since XXXX. 

There were XXXX claim numbers provided to me. 
All denied because the 3rd party refuses to respond Ive had multiple investigations done with chase bank. All incomplete due to merchant. 
Ive spoken to merchant. Merchant claims to not understand XXXX. 
And the blame is being placed on my account which is unfair. 
Ive called bi-weekly to my banking institution to rectify. Making myself 100 % available. And still NOTHING is being done. 

Its old. Its tired. And I want my money. 
I did not receive services. 
I did not receive any goods. 
Ive gotten ABSOLUTELY NOTHING from these ppl. Yet I'm the one taking the hit. 
ABSOLUTELY UNFAIR ON THEIR PART.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX  XXXX XXXX Balance  {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX
Product: Student loan

XX/XX/2022 : I requested for my full refund of {$3400.00} after reading about President Biden 's student loan forgiveness. I was given time line of 160 days which is ridiculous compared to other financial servicers timeline that is processed within 14 days. There was no confirmation emails regarding refund request. 

I have been checking my account to see if the balance has been reinstated, but it has not been. **There is NO way of saving the script that I spoke with chat agents as well. I've asked them for any scripts to be sent, they said they can not provide me with that information. 




Today XX/XX/2022 : I asked for my current status on Edfinancial Website, they were unable to give me any timeline, just mentioned it was " processing '' still. It is unrealistic how they can hold off people 's money and not releasing them in time like this.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violated 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, they dispute resolution prices was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, not to mention it left my other accounts compromised with no restoration and it resulted in me having my other accounts overdrawn which lead to being permanently closed and has me in debt. I am seeking appropriate redress for these violations
Product: Credit card or prepaid card

AAFES or XXXX XXXX ( Credit Card ) used for military exchanges refuses to take payments online or by phone. If you miss three payment in a year they refuse to take payments via phone or online. They require that I go in person to make a payment which I do not have within two hours drive or that I mail a check which I dont feel comfortable doing because it puts me at risk for fraud and then I have to wonder when they will cash it. This is the only company I know that will not accept payment from me. They have the ability to contact your work, garnish your taxes, garnish your wages, but will not take a payment when I try to pay both online or via phone. I have asked for copies of the policy but have not be provided it, customer services states that it is in their terms of service but it is not. I would like a copy of my contract with them that I signed or just the ability to pay my debt. Thank you for your time.
Product: Checking or savings account

My mother and my sister co-owned a joint account at Chase XXXX, in XXXX Texas with no beneficiary on the account. When my sister died in XX/XX/XXXX, the account was locked. My mother died before we received my sister 's death certificate, which was required to modify the account owners or beneficiaries. As executor, I asked Chase XXXX for information on the account and was told the account was locked. The balance at that time was {$5900.00}. Chase XXXX distributed the amounts in my mother 's other accounts but never informed me that the consequence of that disbursal was that the minimum balance of my mother 's accounts therefore went below a minimum. 

Despite having death certificates and documentation that I was my mother 's executor, Chase XXXX required that I go through a court finding in Texas for a small estate ( I live in Maryland ) to obtain a Letter Testamentary in order to get information from Chase XXXX about this account, costing over {$3000.00}. With the pandemic and normal delays in Texas, that took until XX/XX/XXXX. At that time Chase XXXX informed me that the balance was {$5500.00}. It took months more to get bank statements to determine the reason for the loss, which was a monthly service fee of {$25.00} for being below the minimum balance, despite the fact that Chase told me the account was *locked*. Their delays added up to nearly {$500.00} in fees out of this locked account, all of which could have been avoided if they had respected the existing paperwork. Instead, they took money and cost the estate several thousand for a Texas pro-forma finding. 

Further, Chase bankers verbally told me that it was " wrong '' for the bank to deduct that money. Three separate efforts, over two years, to try to obtain a refund were entirely unsuccessful. I was finally able to close the account in XX/XX/XXXX, when the balance was down to {$5400.00}. Chase took {$480.00} in illegal charges, and I would like a refund.
Product: Credit reporting or other personal consumer reports

According to FCRA SECTION 605B It is illegal to report any information in my credit report without my permission. Please remove this item from my credit report. I also have requested validation of debt including a copy of the original contract with my signature, at which I have yet to receive these validated documents. Please remove
Product: Credit reporting or other personal consumer reports

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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