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

Somewhere on or around XX/XX/XXXX My estranged husband, XXXX XXXX XXXX and I were issued a check from XXXX XXXX XXXX XXXX for musical instruments he claims were stolen after our separation on XX/XX/XXXX. The check was paid to the order of XXXX XXXX XXXX and XXXX XXXX XXXX for {$4900.00}, check XXXX, dated XX/XX/XXXX. XXXX was able to take the check to a JP Morgan Chase branch at XXXX XXXX XXXX XXXX, XXXX, Texas and deposited into his personal bank account without my signature or knowledge. This check was allowed to be improperly negotiated and deposited. 

On or around XX/XX/XXXX a check was issued to XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX. JP Morgan Chase at XXXX XXXX XXXX, XXXX, Texas XXXX allowed him to cash this check without my knowledge or signature as well as Compassion 's roofing did not sign the check XXXX, dated XX/XX/XXXX for {$3000.00}. 

On or around XX/XX/XXXX JP Morgan Chase allowed check XXXX. {$3000.00}, dated XX/XX/XXXX to be cashed. This check was made out to XXXX XXXX and XXXX XXXX and XXXX Roofing & Remodeling. 

All 3 of these checks were not negotiated properly, but all three were either deposited or cashed by 3 branches of JP Morgan Chase. 

I have spoke to several branches of JP Morgan Chase and all say it was incorrect, but there is nothing that can be done about it. The second two checks with the contractor 's name was for roof repairs ( both checks were the same amount ), but no work has been done on the property. I believe XXXX XXXX and the contractor may have split the money or XXXX XXXX may have kept the money for his gain. Please understand I know this money is not mine, but should have gone for the roof repairs. More checks are to be issued for the repair. I have spoken many time to our mortgage companies Loss Draft Department and although they admit the signing of the checks was improper they say they can not do anything about it and will reissue more checks without inspection of property repairs. 

I have spoke to JP Morgan Chase branches, XXXX, XXXX XXXX and XXXX XXXX XXXX ( as checks were drawn off them ) with no resolution. 

It is my conclusion that anyone can walk into a JP Morgan Chase branch and cash/deposit whatever they want without recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX collection items are continuously to be reported although the information furnisher can not verify the information with me directly. I have requested that XXXX collection items be verified with signatures, contract as well as a promise to pay. I have also asked for accounting that shows how the debt was arrived at should the identifying documents be produced. Neither XXXX XXXX or XXXX XXXX XXXX XXXX has provided me with this information over the course of one year. They are well past 30 days to respond. When I notified Transunion of this, this credit reporting agency refuses to take heed to the fact that I have proven these line items to be unverifiable. This agency continues to KNOWINGLY report unverifiable information.
Product: Checking or savings account

I have been trying to have these 2 disputes resolved since XX/XX/XXXX and XXXX 2019 Dispute case # : XXXX -- This case has now been reopened as a fraud case # XXXX on XX/XX/2019 XX/XX/2019 - original charge {$250.00} Dispute case 2 # XXXX XX/XX/2019 {$110.00} This case has been closed and my provisional credit removed. 
I have attempted to resubmit this as a fraud case but have not received proof or my provisional credit I have also submitted a request for proof of how this was decided not in my favor but was only given generic emails XXXX XXXX XXXX XXXX  XX/XX/2019 is who I spoke to from USAA fraud department. I was told both charges are now being looked at as fruad but still have not received my provisional credit or email with documentation.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

I got married and my spouse is a member of the XXXX XXXX. 
One benefit to that was that he was able to sponsor me into Navy Federal, for identity purposes. I'll use the first letter of my maiden name " XXXX '' and my married name " XX/XX/XXXX'. 

The DMV 's are still months backed up/behind on appointments due to covid. 
My Drivers License has my maiden name of " XXXX '' on it, my married name is " XXXX '', my social security card has " XXXX  '' on it. 
Navy Federal allowed my to open my accounts with my name of " XXXX  '', even with these discrepancies and said they were not an issue. I provided them with my identification documents, and I was allowed to open the account. 
I've been using their services for 3 months now with no issues, making withdrawals, my card issued has " XXXX  '' on it. 

Without warning, Navy Federal locked me out of my account for security purposes. For no user error, just literally no reason. 

I physically went into the XXXX  Texas location, after days of speaking with representatives telling me I needed to send an email over to their security team with my ID, Social, Lease Agreement, Marriage License, and Utility Bill ( which I did ) to appear in person as well to prove my identity. Their security team denied me access to my account, as well as the staff of the branch ( the same exact branch I was originally allowed to open the account at ) and they are refusing to allow me access to my funds. 

I'm behind on all my bills, I've provided every single identity document that I have to provide, there is nothing more I can provide. Navy Federal allowed me to open the account with these same exact documents, and now are holding my money XXXX, this is absolutely outrageous. Why was I allowed to open the account? I've spoken with 8+ representatives, supervisors, no one is willing help me. I'm not sure what to do at this point. I can not get my ID changed just yet due to covid restrictions, that is not my fault and is out of my hands. I shouldn't have been allowed to open the account like that in the first place if they were gon na lock me out. They have taken zero accountability/responsibility, have not apologized or admitted fault, nothing. They are not willing to help me, they can not allow me to open an account with the same documents they're requesting from me, and deny me from my money. This is absolutely employee/staff error and I'm being punished for it.
Product: Debt collection

On XXXX XXXX I sent ProCollect a letter requesting proof of debt and disputing the debt for XXXX XXXX. This is NOT a true and valid debt. Procollect mailed me a copy of a lease that was allegedly signed by me ( that was not signed by me, the signature is not my signature ) stating the debt is valid. These item do not qualify as full validation per FCRA. The information Procollect sent me did not include a copy of my drivers license, social security card, or any additional proof that this debt is mine. I have disputed this account several times advising that this account is NOT mines. Procollect is shifting the burden of proof on me ( the consumer ) stating that I need to mail in proof that i am not responsible for this debt when the fair credit reporting act states that all account must be properly validated by the collection agency which I know Procollect did not properly validate this debt, so there far the account must be deleted from all three credit reporting agencies. I contacted the apartment complex XXXX ) directly which they advised they don't have any information pertaining to previous residents. That also stated that XXXX was a previous apt management company that managed billing and is no longer in business. They stated they are under new management and unable to assist me, so HOW DID PROCOLLECT PROPERLY VALDATE THIS DEBT? This company is in violation of the FCRA for continuing to verify the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA. I also have PROOF that I was renting/living at another apartment during this time.
Product: Checking or savings account

My debit card was stolen and my identity. Someone called the bank and did a fraudulent claim on my account for a missing deposit. They also requested a limit increase on my debit account to immediately do a withdrawal of the temporary credit that was posted to my account. I immediately notified the bank when I noticed the unusual activity. I explained that I never authorized that activity and requested that they cancel the all transactions. I also filed a police report and requested that they view their security cameras to prove I did not do the withdrawals nor did I file the fraudulent claims done over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus have errors on my credit file as address phone numbers phone numbers and incorrect amounts owed on credit cards. 

Contacted the bureau to mail me a copy but seems the run around getting a full credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to XXXX and Trans Union to have fraudulent inquiries removed from my report and they continue to close the dispute without the desired results. Please assist with getting these fraudulent inquiries removed.
Product: Checking or savings account

I opened my account online with a promotion that stated that if i opened an account and deposited a minimum of {$50000.00} there would be a {$600.00} dollar promotional credit. 

I have contacted Citi multiple times and have not been given a clear answer as to when i should expect the {$600.00} dollars to be credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize how this account is reporting on my credit report, I don't recognize the account status, I don't recognize the account high balance nor do, I recognize the late payments associated with it everything reported here does not meet the FCRA. 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate XXXX XX/XX/2021 XXXX XXXXXXXX XXXX
Product: Mortgage

I have 2 pending complaints with Truist Bank This evening around XXXX, I received 2 calls from Truist 's complaint resolution team from ( XXXX ) XXXX. I answered the calls promptly and was " HUNG UP '' on both times. I returned the calls and they close at XXXX. As a client, the bank is almost impossible to speak with about issues. 

Also, I rec 'd a check via XXXX from Truist today and PROMPTLY brought it to the bank. I had the branch apply the full amount to the mortgage. 

XXXX ) There was a payoff quote in the XXXX envelope that said I requested a payoff. This is not true. 
XXXX ) The letter noted a payoff the exceeds the returned check by roughly {$700.00}. Does Truist Bank normally return principle payments that are sourced from Checking transfers. The letter notes that the payment needs to be in a certified letter or wire transfer. 
XXXX ) Does Truist Bank allow clients to payoff their loans in the normal course of business? The letter from Truist stated that payoffs need to be in the exact amount of the payoff. That is an odd request given that it assumes that all payments on a 30 year fixed do not include any principle reduction payments. 
XXXX ) The payoff statement today indicated a fee for " recording ''. I assume this is to record a lien satisfaction. This fee appears to be a truth-in-lending violation as it was not noted on the initial GFE or TILA Disclosure. In today 's world, I suspect that this would not show-up on either the LE or CD. Random Fees that are known should be disclosed. 

Making principle reduction payments to a mortgage should NOT create this level of emotional distress. I am disgusted.
Product: Debt collection

I have received multiple calls after XXXX. They occurred at the times and dates below XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE FRAUDULENT AND NEED TO BE REMOVED FROM CREDIT REPORT. PLEASE REMOVE ACCOUNTS. I HAVE SPOKE TO THE CREDITORS AND THEY HAVE NOT DONE ABSOLUTELY NOTHING. ITS BEEN OVER 6 MONTHS PLUS AND NO RESPONSE. MY INFORMATION IS REPORTING INCORRECTLY ON EACH BUREAU.
Product: Student loan

After XXXX, I could not find a ( XXXX XXXX job outside XXXX. I could not afford the loan payments ( $ XXXX. ), so I began underpaying each month. I was in contact with XXXX XXXX, but they would not work with me to lower my payments. Then, after a job change, I became unable to make payments, which put me into default ( staying in contact with XXXX XXXX, asking for help ). XXXX XXXX then sold/transferred my loan to National Enterprise Solutions ( NES ). It was n't until much later, after a long time of non-payment and after speaking with my father, they finally worked out a deal with me. I will be attaching this contract. A stipulation in my payment agreement was that funds were to be automatically taken out of my account every month @ $ XXXX. In 2013, this stopped happening and no more payments were coming out of my bank account. Next, I learn that this new company was refusing to recognize my former agreement, and denied me a continuation of said payments, saying that it " makes no sense ''. The man with whom I spoke was patronizing and rude, so I ended the conversation and have not answered phone calls. I consulted with a financial expert and was told that they were legally obligated to honor the previous contract. But they are not continuing, and they insist I owe much more per month to them ; and are now wanting to ( garnish my wages ). I believe I am due my contracted agreement.
Product: Debt collection

XX/XX/year>XXXX XXXX  stated i owed them XXXX dollars for and old bill which is in accurate.Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy policy 15 USC 1681b 2. They also have no permission to report anything using my info to 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the XXXX file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.
Product: Checking or savings account

I ended getting charged {$70.00} in overdraft fees which I believe is ridiculous seeing how that has never happened before, my card has always just declined whether it be a purchase made for that day or a subscription. 
The XXXX charges that were over-drafted were subscriptions these being : -XXXX  {$14.00} on XX/XX/23 -XXXX XXXX {$22.00} XX/XX/23 The day prior my available balance was {$7.00} which means that no matter what, that amount available could not have covered those charges which is why my card should have declined as it always has in the past. 
I believe these overdraft fees are unfair to me because instead of allowing these charges to go through, the card should have declined.
Product: Credit reporting or other personal consumer reports

The payment history for account XXXX is absolutely inaccurate. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing. Please explain how you first reported this account 30 days late in XX/XX/XXXX, then 30 days late again the next month? You are also reporting 30 days late in XXXX after you already reported it 120 days late which is not correct. Due to your obvious gross misconduct and false reporting, I demand that reporting of this account is ceased until further investigation is completed. This is a fair warning before I am obligated to move forward with legal action due to the clear errors on my consumer report. I have attached my credit report to show the many inaccuracies and inconsistencies between the 3 bureaus. You are to remove all late payments from this account or remove this account altogether within 21 days.
Product: Credit card or prepaid card

Well today, I believe there was an overcharge of over a XXXX, dollars, at a XXXX XXXX in XXXX XXXX, thought I was purchasing a XXXX XXXX, prepaid cards valued at XXXX, was told an email receipt, would show up, there was only XXXX  worth. Some individual walking by acted like something was thrown on ground, in XXXX XXXX, there also seems to be people walking by me like they have ether on them coming up to me, around 5 individual s in XXXX XXXX   thought it was funny.
Product: Credit reporting or other personal consumer reports

I did not apply for a Bank of America credit card. My XXXX credit dropped by XXXX points. I want that corrected.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of tied and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions were un feasible. The CFPBs findings indicates Zelle has not only neglected the protection of their consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I have federal student loans and am currently utilizing PSLF as I work for a non-profit. I signed up for my loans to be income driven under the SAVE plan. 1-10 of my loans are under SAVE but then I have 3 that are not and so they are asking for payments. I am unable to apply for IDR/SAVE on these loans because the site tries to cancel my current IDR/SAVE plan. I have MOHELA and am unable to get an answer from them about why this is. I am getting *late payment* notifications on the account.
Product: Vehicle loan or lease

( 1 ) I, XXXX XXXX was accepted for an auto loan from Automotive Credit Corporation through XXXX XXXX XXXX XXXX in XXXX CA on XX/XX/XXXX. On XX/XX/XXXX I spoke with a loan rep named XXXX from ACC that finalized the loan. During this conversation XXXX advised me that I will be receiving loan and payment information via mail with-in a week from our phone conversation. Since our conversation I havent received the loan or payment information which was supposed to be sent to me. But what I have received is several calls from your employees that tell me my loan is in default, but no one to date have sent me loan information to make a payment. I am requesting my loan and payment information sent to me via US mail. ( 2 ) I, XXXX XXXX have received your correspondence, dated XX/XX/XXXX that states YOUR ACCOUNT REMAINS PAST DUE. YOU MUST IMMEDIAETLY REMIT {$320.00} IN ORDER TO BRING YOUR ACOUNT CURRENT. As I previously advised this company, XXXX a loan representative told me I would receive car loan information via US mail. But I wasnt provided any information in regards to my car loan via US mail. And still to date the only response to my request to get car loan information dated XX/XX/XXXX is a letter demanding a payment more than quoted to me by XXXX XXXX a representative from your company. According XXXX who only provided me with payment information via phone quoted my loan payments to be {$300.00}. Those are two of the letters I sent ( 1 ) XX/XX/XXXX and ( 2 ) XX/XX/XXXX to acquire information regarding my auto loan # XXXX to ACC. Since then the only response from them have been threatening letters. Also I have made a complaint against XXXX XXXX XXXX XXXX with multiple reporting agencies for forgery. XXXX XXXX XXXX XXXX responded to the Better Business Bureau on XX/XX/XXXX was that I was on repossession status and I should rescind the loan. However, the checked for XXXX was received by ACC and deposited on XX/XX/XXXX.
Product: Debt collection

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer. 
It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.