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

My capital one account was closed after I reported that a false/fraud check was deposited into my account and my identity was stolen and they retrieve the funds and me not knowing, now my account was negative, my IRS deposit XXXX set to go in on the XXXX of XX/XX/2023, and my account was closed as email stated on XX/XX/XXXX. I reached out to bank, and they mentioned to me that the credit was credited and that I remain with negative balance, when I reported fraud no case was open the bank mentioned that I had called when I did not, someone stole my identity and is using it to open accounts and get into my funds. Bank mentioned I am responsible for the negative balance, why is the bank holding me accountable when i reported fraud and all they decided to do was end there relationship, capital XXXX is stealing my money, I need my refund to be send back to the IRS and the bank reject also any upcoming deposits, please reach out to me as soon as possible. So we can take care of this matter and fraud claim should have been made and protocols should have been followed.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Personal Information : Employers 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 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 XXXXXX/XX/XXXX
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 correction 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 XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX XXXX Chase refused to transfer the direct deposit into the correct checking account. Chase deposited my {$2500.00} into my business account ending in XXXX instead of my personal account ending in XXXX. After repeatly requesting the funds to be transferred to right account. Chase Bank refused to make the process therefore taking the money and not issuing me a cashiers check for the full amount. They also notified me the day of this incident that all my accounts were placed on restrictions and will close immediately.
Product: Credit reporting or other personal consumer reports

Inaccurately Reported Account : XXXX XXXX XXXX Under the CARES Act, if you had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the COVID-19 pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning XXXX was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, you may have grounds to dispute the late payment. The account is opened last XX/XX/XXXX, and protected from being reported as delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to the CARES Act. Thoroughly investigate and update with lawful accuracy.

This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. Please reverse the late payments under the CARES ACT.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Thank you for your urgent attention in this important matter.
Product: Debt collection

I paid off a student loan in full on XXXX 2016, which Navient acknowledged and documented. On XXXX XXXX, 2016, Navient auto-debited from my checking account {$360.00} to be applied toward the already paid-off loan. When I called Navient, they said it would take a week to reverse the charge. But I 'm stuck paying overdraft charges on my checking account and the late fees for bills I ca n't pay due to this duplicitous attempt to collect on a paid debt
Product: Credit reporting or other personal consumer reports

RE : Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleted from my file. 
To Whom This May Concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. 
On ( XX/XX/XXXX ) I received a response from ( XXXX ) stating that the following accounts were fraudulently opened, and I am indeed a victim of identity theft, and it was immediately DELETED from my credit file. 
Accounts that were deleted from other credit bureaus : XXXX XXXX XXXX {$53000.00} Opened XX/XX/XXXXXXXX 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  Per the PROCEDURES and laws stated in 15 U.S.C . 1681i and its subsections I have requested that ALL FURNISHERS related to these accounts and CONSUMER REPORTING AGENCIES in which these items have been disputed be NOTIFIED of the DELETION of this account due to Identity theft. 
As stated above, I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. 
PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. 
Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. 
Thank you, XXXX XXXX XXXX
Product: Mortgage

We need your help : Bank United wants to hold fund from an insurance or the 2017 hurricane damages of approximately {$70000.00}, they want to release about {$49000.00} to initiate repairs, they have been advised that there is a payment to the private adjusters of abut {$6500.00}, they say it is my problem. " they are not part of it '', the unit is in habitable, with no restrictions what so ever, to the point that we have had offers to buy it at the current market value of approximately {$800000.00}, ( names and phone numbers could be provided with their consent ) the present mortgage with Bank United is {$380000.00}, it is current and has been currant from the closing date about 4 years ago. 
Bank United wants to hold the funds because of a clause in the mortgage. My husband and I are seniors, I had a XXXX XXXX, which was about a year ago, I can not have stresses like this, as per my Doctors. Also I am having XXXX XXXX on the XXXX of XXXX, at XXXX XXXX XXXX XXXX of University of XXXX and my husband is having a XXXX XXXX, on one of his XXXX, on XX/XX/XXXX at XXXX XXXX XXXX. 
The pressure to us caused by Bank United is unreasonable, and unbearable for they will have to do inspections as the money is use and we will have to pay for said inspections. 
We have been talking to XXXX XXXX VP, Escrow Administration and Special Loans??? WHY BankUnited, N.A. 
XXXX XXXX XXXX XXXXMail Code : XXXX XXXX XXXX, FL XXXX Direct : XXXXFax : XXXX XXXX Also Email has been sent to XXXX XXXX XXXX Chief Operating Officer XXXX bankunited.com
Product: Money transfer, virtual currency, or money service

I received a offer from Carvana LLC and I accepted it for value as in ordnance with the uniform commercial code 2-206. Offer and Acceptance in Formation of Contract UCC 1-201 ( 44 ) " Value ''. Except as otherwise provided with respect to nego- tiable instruments and bank collections ( sections 28:3303, 28:4208 and 28:4209 ) a person gives " value '' for rights if he acquires them ( a ) in return for a binding commitment to extend credit or for the extension of immediately available credit whether or not drawn upon and whether or not a charge-back is provided for in the event of difficulties in collection; or ( b ) as security for or in total or partial satisfaction of a pre- existing claim ; or ( c ) by accepting delivery pursuant to a pre-existing contract for purchase ; or ( d ) generally, in return for any consideration sufficient to sup- port a simple contract. 

I also issued Carvana a receipt for allowing me to utilize the instrument for my personal, family, and household benefit after I accepted the offer and it was equal consideration offered. But now Carvana LLC is acting dishonorably, and after attempting to resolve the matter with them, I was met with rebuttal and some false and misleading information by one of your representatives XXXX and XXXX XXXX at XXXX pm, and before I was rudely treated, they threatened me that if I didn't do what they said, they would cancel the order, which would be a breach of contract, as I was explaining as prior to ARTICLE 2 OF THE UNIFORM COMMERCIAL CODE governing sales and the responses from XXXX gave the impression that she was informing me that Carvana guidelines are superior then the uniform commercial code and the laws of the United States which was very disturbing and when I asked to talk to a supervisor or someone higher she said it was going to take 24 and 48 hours and if I dont get things situated before then than the order will be canceled by CARVANA which caused me to get upset and cause emotional distress because her actions was inappropriate and if I couldnt get help than I would loose my property that I lawfully obtained thru offer and acceptance and that they are willfully keeping it away from me so I have no choice but to file this complaint to get the best help available to a consumer Let it be known that Im acting in Good Faith to get the matter resolved ALL RIGHTS RESERVED
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Chime says they approved Dispute XXXX but I still have not received funds and the check to settle my closed account was never sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

These following accounts are not mine but when I disputed them transunion did not do a proper investigation and notify me in the time allotted. But they deleted the investigation from the online portion of their website so I could not access it very deceptive. 

DPT ED/XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX DPT EDXXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX DPT ED/XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX US DEPT ED XXXX {$0.00} - - Installment Negative XX/XX/XXXX US DEPT ED XXXX {$0.00} - - Installment Negative XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I, XXXX XXXX, have owned XXXX XXXX  accounts with {$10000.00} each one at Discover Bank ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) for many years. Money was withdrawn from accounts ending in XXXX, XXXX and XXXX without my consent. After weeks of calling different departments, and sending them a Declaration of Loss, the money was restored to my accounts. 
Due to the fact that money was withdrawn from my accounts without my consent, not sent to me, as they claim, and I do not consider it safe at that bank anymore, I requested for them to close my accounts and send me either 7 checks for {$10000.00} or one for {$70000.00}. They say that because the money is in XXXX, I have to pay the penalty. 
Even when the penalty after the interest, is low, I do not think I should pay more than what the interest is at this time, or not interest at all. 
Please, help me solve the problem. I do not think I have to pay for somebody misbehavior, since I do not consider it an error. 
Thanks ahead of time for your attention. 
XXXX XXXX XXXX.
Product: Debt collection

I received a letter on XX/XX/2019, dated XX/XX/2019 from Attorney XXXX XXXX of XXXX stating I had an outstanding debt for my HOA. I have previously made payment to my HOA to settle my debt, so on XX/XX/XXXX, I responded via Law Firms requested method of correspondence ( email ) requesting clarity on my debt, in which I received no response from the firm. On XX/XX/XXXX, at the 30 day mark, after hearing no response from the Attorney, I proceeded to pay the demanded amount of {$1400.00}. I followed up with a call to the number listed on my letter to demand a refund as my debt had been paid before receipt of the letter. The debt collector stated she would reach out to Attorney XXXX XXXX to secure a refund. A week elapsed in which I heard or received no email or written correspondence from the Law Firm, in which I again called and requested a detail summary of my debt and credits paid. I was told per debt collector to email Attorney directly. On XX/XX/XXXX, I emailed Attorney XXXX XXXX demanding a detailed summary of my owed debt, and requesting a refund from his law firm, since I paid more than actual amount of debt. As of today, I have no received a detail summary of my debt, or any correspondence from XXXX XXXX XXXX. My HOA has also indicated they have not received payment from XXXX. XXXX refuses to pay me back what they have no entitlement too.
Product: Debt collection

In XX/XX/year> and XX/XX/year>, I disputed the following authorized account Resurgent LVNV Funding : Resurgent LVNV Funding XXXX {$1100.00} I submitted an FTC Identity Theft Affidavit and request the following legal documentation from them : In accordance with 15 USC 1692G, I'm requesting debt validation on the above unauthorized account. I'm requesting the following documentation '' 1. A detailed list of history of payments made by me on this account.

2. A signature on the contract guaranteeing I would pay this creditor 3. Any insurance claims filed on this alleged debt 4. Proof that you have the chain of title to collect on this debt. 

Please note that simply sending a statement with my name and an amount on this does not legally bind me to this debt. If you can not provide all requested documents from the list above, delete this unauthorized account in 7 days or I will sue you for false reporting, deceptive and unethical practices, and willful noncompliance as described in 15 USC 1681N. 

As of today, XX/XX/XXXX, the only response I have received from Resurgent LVNV Funding is an statement with my name on it. That alone is not proof of a debt I owe them. They have purposely ignored my request and continue to publish this unauthorized account on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft and the inquiries I am disouting are the results of such crime. The letters I sent on XX/XX/XXXX are complete with attachments such as my Driver 's license and SSN. I also attached the ID THEFT REPORT I received from the FTC and yet the Credit Bureaus have done nothing to remove these inquiries. The Credit Bureaus willfully negelceted the FCRA section 605b and continued reporting the disputed inquiries despite the inquiries being in dispute. I haev read enough to understand my rights under the FCRA which is clearly being violated by the Credit Bureaus. Under the FCRA section 605b, I am requesting that the Credit Bureuas remnove the following inquiries completely from my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXXXXXX EQUIFAX MTG Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a dispute against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), the 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

At the end of XXXX, I was offered a payment plan of three payments of $ XXXX by Synchrony Bank to pay off my credit card debt ( since I was having problems paying my bills due to unemployment and medical ). I called and reached to a different agreement of a 12month payment plan of {$150.00} each month. After 2 months of paying, they denied my access to pay, refused to call to collect payments, and denied my attempts to make a payment. All of this because I did not make payments to their original offer of which I never agreed to. Each time I made an attempt to fix the situation and asked for my agreement plan, they denied the existence of it, refused to help me, and often hang up on me. For 3 years they denied anything and sold my debt without all the information and being dishonest to me and dishonest to XXXX who they sold my debt too. After causing emotional, stress, credit and financial harm, they finally admitted that there was a verbal agreement of the {$150.00}. So Synchrony bank rescinded the offer I agreed to because it wasnt their original offer. They broke the agreement and made me suffer for it.
Product: Debt collection

I keep getting harassed by Navient about student loans from XXXX XXXX XXXX who did some shady buisness to begin with cause their education sucked and I was never able to get a job because of them if it keeps I will sue XXXX XXXX XXXX and Navient for everything they are worth because they have already tried to damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form XXXX as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.
Product: Debt collection

XXXX XXXX XXXX hired collection company called CCS to collect a debt I do not owe damaging my credit. Putting a false statement on my credit report, I have called XXXXXXXX XXXX XXXX to rectify this issue and they just state that they can not give me the credit they promised me on XXXX for interrupting my services for over 5 days because the company was experiencing technical difficulties causing the consumers to be without internet service for over 5 days within a month. I called to advise that I was disappointed with there services and advise XXXX XXXX  that I was going to switch to XXXX XXXX and if there was an outstanding balance XXXX XXXX assured me that there was no bill balance due to the inconvenience and outages by there company as a courtesy they were waiving that months bill as a courtesy to there customers. XXXX then turned around hired a collection company called CCS and put a derogatory collection account on my credit report damaging my credit. I have tried to resolve this issue but they do nothing. My credit is tarnished because of this XXXX  company.