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

I opened a chase account on XX/XX/19 for my student aid refund to be deposited into the account. 

On XX/XX/19 my federal student aid refund of {$6200.00} was electronically deposited to my new chase account directly by my school who issued my student aid. 

Within a day or so my funds and entire account had been placed on a security freeze.do to suspicious activity. I had spent less than {$100.00}. 

Chase said I must go in to a branch and provide ID to verify my account. 

I planned on verifying myself as soon as my XXXX XXXX got better. I was and still am extremely sick. 

Within 2 days my account was closed and chase says theyve suspended my funds and arent required to return them. 

These are federal benefits that are supposed to be protected from such seizures by banks and other creditors. 

Now aside from filing this complaint I dont know what else to do besides seek legal representation and action against Chase for return of my financial aid. 

I am stunned and disappointed this is how they handle their accounts and customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX  XXXX
Product: Mortgage

My VA loan was recently transferred  to M & T Bank of  XXXX , MD ( I bel  i eve ). There are many different addresses on their initial contact. I enrolled in online banking to make my payments online as this is the predominate payment method today. I was forced to give up my right to receive legal notifications from the bank in writing to be able to make online payments. If I did not agree to electronic notifications they were going to dis-enroll me from online banking. I have no choice about where my mortgage is sold to. I did not choose to do business with this entity. I should not be forced to give up my legal rights in order to make electronic payments. Especially on a VA guaranteed loan. The Federal Government only recognizes mail delivery by  the US Postal servic e as proper service.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM REPORTING THAT THESE ACCOUNTS 1. CAVALRY PORTFOLIO SERVICE IN THE  AMOUNT OF {$1000.00} THAT WAS OPEN ON XX/XX/2019 THIS ACCOUNT IS ON ALL 3 OF MY CREDIT BUREAUS THE ONE THATS ON MY XXXX ACCOUNT WAS OPENED XX/XX/2019. ITS A INQUIRY ON MY REPORT AS WELL XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent XXXX XXXX XXXX a debt validation and cease communication letter under the Fair Debt Collection Practices Act ( FDCPA ), formally disputing the debt and requesting validation. I also requested that they stop reporting the debt to the credit bureaus until the matter was validated, as required by law. However, XXXX XXXX XXXX has failed to respond to my validation request, and the negative item remains on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact each company to validate the inquiry. NO response was recieved. I have an inquiry from XXXX XXXX on XX/XX/XXXX, overstock XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX
Product: Mortgage

In XX/XX/2020 I contacted Rushmore regarding the status of my mortgage payments and that we were struggling to make our mortgage payments due to a loss / decrease to our income due to COVID 19. We received nothing from Rushmore in writing until XXXX at which time they offered a " Modification '' agreement to adding 10 more years to our mortgage with no relief in the monthly payment but a few dollars. I called back on XXXX and advised them we were unable to make the " Modification '' Payment amounts at that time and we needed additional relief and requested a " Forebearance '' for our payments as my husband was struggling trying to find a better paying more consistent job due to the pandemic. At that time I was advised they were " recoding the system to request the assistance of the forebearance and that i would have something in writing within 10 days ''. On XXXX I called back as we still had not heard anything. I was then advised that there must be an error or oversight on their part and that the request would be escalated and I should be hearing from them within XXXX - XXXX hours. On XXXX I called back and was given the exact same ( verbatim ) sentence as my previous phone call on XXXX. As of today, I was told by XXXX Employee # XXXX, nothing has been done, there must have been an error and he was escalating to his manager and that we should hear back within a couple days.
Product: Debt collection

On XX/XX/2021 I reached out to Dynamic Recovery Solutions , LLC and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.
Product: Checking or savings account

In 2019 bank of America closed my account due to it being overdraft. I have since paid that account in full. Bank of America is now reporting this account to XXXX  XXXX XXXX that it closed due to fradualent activity. I have called several times and have recorded phone calls where agents told me that the account was closed due to over draft and to fraud. I have escalated this issue to corporate and the CEO and still have not heard back in regards to this matter. Due to this reporting I can not open any accounts anywhere and it has caused XXXX XXXX XXXX XXXX to close my account.
Product: Debt collection

I got a call today from a debt collector stating that they were willing to consolidate a debt from XXXX different payday loans. I never took a payday loan out, but the company that called me provided me with my ss #, old address, birthdate, full name and bank account information. I tried calling the XXXX companies that these loans supposedly originated from, but they are no longer in business. I also have not worked since 2011 and have lived in XXXX since then, but XXXX of these loans supposedly originated since we left XXXX.
Product: Vehicle loan or lease

Hi, If i am writing today, is to bring to your attention something that happened between myself and XXXX dealership of XXXX XXXX FL. 

On XX/XX/2019, date of my end of lease experience, i headed out to the XXXX dealership of XXXX XXXX to return my vehicle and try to negotiate to buy or lease another vehicle. 
As soon as i walked in with my wife, we have been introduced to the salesman and the sales manager of this dealership. We then started to negotiate the return of our leased vehicle and asked the team there to please help us getting an interesting deal on another vehicle and explaining our difficult credit situation of my wife and myself. 
The leased car we were returning had a that time about {$2800.00} dollar amount of excess millage on the lease terms, and we were assured by the sales manager that by purchasing a new XXXX that day at the dealership that we will be able to negotiate that bill with the financial department of the company later on. Also, when you return a lease, you must pay a excess wear and use of the car but can be waived that fee again by purchasing a new vehicle. 
After a couple of hours of negotiation and a lot of persuasion from the sales team who promised us a lot of benefits, we ended up returning the lease and purchasing a brand new XXXX vehicle. 
Due to our bad credit history, we got a the new car financed with an APR of 8.39 %. 

A couple days following our purchase, me and my wife got very surprised about 2 things. 

First of all, as we both checked our credit on XXXX XXXX, we realized that the dealership submitted a lot of credit check to our accounts, not even telling us that will happen. This really affected both our credit history and score. Knowing our credit situation at the dealership, i really do believe that we got kind of scammed that time. 

Second, after receiving the end of lease bill by mail, i have contacted the financial department like i was instructed by the sales manager at the dealership in order to discuss it, knowing that he promised me since i have bought a new XXXX vehicle. 
over the phone with the financial consultant, i was very surprised to hear that nothing was possible, no negotiation on the total amount and no waiver for the excess wear as well, since that apparently we did not get the new car financed with the in-house XXXX financing agency. thing that nor the salesman, or the sales manager told us upon signing the new car purchasing contract. 

i really need your help in that matter, i really believe we got scammed by the XXXX team, pursuing us to buy a brand new XXXX vehicle in order to get all the benefits that we will never get at the end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certfied latter and police report to Equifax about inquiries on my report i have no idea about and here today XX/XX/XXXX i get my results back and it says all inquiries i disputed are factual .... And may i add they took 1 day to do this i see it clear XXXX  day on my Equifax. Com i want a re investgation its the law to remove all Fraud inquiries that i have not approved here are all the inquiries ... XX/XX/XXXX XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX .... XX/XX/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 ... These are all FRAUD INQUIRIES PLZ fix and remove with 30 days or i will take legal Action ASAP
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting fradugelent informat well over 60 days after I disputed and proved that the following accounts did not belong to me for XXXX & 5 accounts for XXXX XXXX. I received notification that the accounts for XXXX were being deleted but they were only marked as closed which is incorrect & I proved that with a police report, identity theft report, Picture ID & Social security card that none of those accounts are mine. I am asking again to please Permanetly delete these fraud accounts for XXXX XXXX XXXX XXXX {$85.00}, which is also listed on my report as XXXX   {$85.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market for a home purchase. One of the preparation steps i'm taking is monitoring my credit report. A couple of days ago I checked my credit report for the first time in a minute and I saw a couple of items on my credit report that are not mine. These items need to be deleted from my credit report. I've contacted the FTC and my local police. I'm doing this on my own. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX lnquiries : 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

unauthorized inquiry dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I dont know why they are calling me and why they did this inquiries. Maybe a identity style attempt theft
Product: Debt collection

On XX/XX/XXXX, a new collection account appeared on my credit report from Debt Recovery Services ( DRS ) - original creditor was a pay day loan from XXXX XXXX in the amount of {$350.00}. See page 1 of my proof document a page taken from my XX/XX/XXXXcredit report. 

On XX/XX/XXXX I mailed a check in the amount of {$350.00} to DRS as full payment for the debt. This check cleared my bank, XXXX XXXX XXXX, on XX/XX/XXXX as evidence by DRS deposit stamp on back of the check and the amount being debited from my account. See page 2 of my proof document. 

After several calls to DRS the week of XX/XX/XXXX, XXXX, and XXXX, DRS still says it has no record of my payment. After filing a dispute with XXXX and XXXX, DRS still indicates that I owe the debt. See page 3 of my proof document which shows the results of my dispute. 

I have provided proof to DRS and to the two major credit reporting agencies and DRS will not acknowledge that they cashed my check, collected the funds, and will not modify my credit report. This is WRONG, it is criminal and they should be held accountable for violations of the FCRA. This is a clear violation of the act since I have undisputed documented proof that this debt was paid in full.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following these inquiries need to be deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX # XXXX : Amazon is intentionally & knowingly holding orders over a week after charging customer credit cards before presenting items to shippers, to force customers to purchase their PRIME service for {$99.00} per year. According to XXXX regulations charging of credit cards prior to shipment is a violation of all merchant account contracts. 

Amazon states that the 7+ day holding time is for processing after they have charged credit cards, YET they are intentionally misrepresenting 7 day shipping times and using the said shipping times to hold orders XXXX so people spend the {$99.00} fee for faster shipping. Shippers like XXXX XXXX AND USPS take an additional 7 days to ship said products making total time since order origination over 14 days, THIS is false, misleading and fraudulent for Amazon to try to force customers into a contract for their PRIME service by holding orders & delaying service.
Product: Debt collection

Franklin Services , Inc furnished an alleged debt on my XXXX, XXXX, and XXXX credit report which is illegal & a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX reached out to me claiming they got a debt on my name from an XXXX XXXX florida XX/XX/2022, i have proof of my address at the time and i did go out there and visit but i didnt get a place i lost my wallet around that time and i told them to send me info but this place wants me to send them info to start an investigationn
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXXXXXXXXXX XXXX XXXX XXXX XXXX ADVANTAGEXXXX XXXX XXXX XXXX ADVANTAGEXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Disputed XXXX  account because its reporting inaccurate information. XXXX updated the information EQUIFAX is adversely the information. The data XXXX  furnished didnt change an the account is still reporting in error which make it a violation of the FCRA an must be removed immediately as remedy
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

It has been a difficult task trying to liquidate my mother 's accounts at the XXXX XXXX, PA Huntington Bank location. The personal banker and branch manager were not helpful. It took the financial advisor to arrange a meeting between himself, the branch manager, and myself. The branch manager was not prepared for the meeting and offered excuses for the behavior and lack of attention the personal banker offered. I was able to liquidate a portion of the accounts while in PA, but was faced with additional obstacles once I returned home in Texas. The financial advisor who was assigned to the accounts no longer worked for the bank and his replacement was not knowledgeable to assist and failed to forward me to his superior. Calling the corporate offices did not make a difference. It was when I reached out to the institution 's XXXX account for anyone to take action. Though I have received several calls from various people in the investment department I still have the feeling that the bank is attempting to hold the funds hostage because they would prefer to keep the funds invested in their products. It has been two months since the passing of my mother and we are still attempting to finalize the liquidation process.
Product: Debt collection

Sequoia Financial placed for collections the account that my client had with them, however, the company did not send the right to dispute the debt, nor any information regarding the debt. On XX/XX/2021 I sent a letter requesting the verification of the debt since my client does not recognize the balances reflected on the credit report. On XX/XX/2021 and XX/XX/2021 I sent follow-up letters because the company was not responding. Unfortunately by today XX/XX/2021, the company has not responded.
Product: Debt collection

I apologize as I do not have exact dates. I spoke with Mr. XXXX ( not sure if that is spelled correctly ) from Nelson Cruz & Associates around XX/XX/XXXX. He told me his company had one of my debts for XXXX XXXX for {$560.00} and wanted to arrange payment. I advised him that due to COVID I could not make a payment at the time. He responds with " You don't want a judgement on your record do you ''. I advised him that I am not going to be intimidated by fear tactics and asked how long I had before this alleged " judgement '' were to happen. He said " I do not have time for this '' and hung up the phone. I called him back to ask why he hung up and he said " I was wasting his time ''. After speaking with him further we had come to an agreement of $ XXXX/month until the debt was settled. I advised I wanted the agreement in writing as it was a settlement agreement for less than the original debt. He advised he would send it to me via e mail. When I did not receive the agreement I blocked the payment from going through as I am not going to give access to my bank account to someone without a written agreement to protect myself. Since we spoke right before XXXX I did not have a chance to contact them regarding the agreement before receiving another call from Mr. XXXX. He advised the payment did not process and I told him why. He went into a rant about how I should have called him and how I need to make a payment before he sends me an agreement, which is not what he said originally. He then advised I was wasting his time once again and we ended the conversation. A woman called me from this company about a month later. I advised her what happened with Mr. XXXX and she seemed to be apologetic but then said she was going to put me down as a refusal to pay. I said I wasn't refusing, just asking questions. She said she would reactivate my agreement and would send me the written agreement via e mail and someone would contact me when done so. I have not received a written agreement or anymore phone calls from this company since that interaction.
Product: Money transfer, virtual currency, or money service

Was my XXXX unrestricted or unblocked because I still cant enroll it with XXXX XXXX please tell me if it was unblocked or unrestricted or do it for me by unblocking it or unrestricted email is XXXX and phone number is XXXX please unblocked it or unrestricted id its not blocked or restricted tell me what banks have blocked it or restricted it etc.
Product: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns of Zelles handling of disputes, particularly in light of the cfpb lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was was impossible and that tracking these funds was infeasible.The CFPBs findings indicate that Zelle has not only neglected protect 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: Debt collection

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit.

THE FOLLOWING ACCOUNT IS IN VIOLATION:06 XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

XXXX XXXX used a predatory lending technique to get me to run my credit. I would like him to contact the credit bureaus and redact my credit check.