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

Thank you for calling me back Friday on my Chase " check " issue. I'll just start from the top and give you all the info I have retained. If there's something we can do I'm in. 

I have spent hours in the office with my personal banker at Chase ( XXXX XXXX XXXX XXXX ) and he personally has sat on the phone and they keep telling us the same thing everytime. The company, XXXX XXXX is the checkmaker and I currently do consulting for them. Chase has given me two options as far as proving the check isn't fraudulent and belongs to me ( XXXX XXXX XXXX ). They think the check is fraudulent XXXX XXXX  mobile deposited it. Through Chase 's mobile deposit system the photo that appears at chase does not show the security tags on the check so they think it's fraud. I have proof however that chase has several of these mobile deposits from the same company that have cleared for other customers. 

Back to Chases options- The first option is getting the checkmaker from XXXX ( XXXX XXXX XXXX XXXX XXXX ) to walk into a chase XXXX-which doesn't even exist in XXXX. The second option is to have chase call XXXX ( which I've had them do till I'm blue in the face ). However, the Chase system will only allow certain numbers to be approved to let them call in. For some reason Chase will not call the main number and press ext 4 to speak with the accountant. The obvious step for Chase to engage would be calling the bank or noticing how I have a past wire from XXXX. 


XXXX XXXX XXXX XXXX  is XXXX XXXX XXXX. I've gone through Chase executive branch and fraud branch as well and it always comes down to these two options every time. I speak to XXXX at the XXXX branch XXXX XXXX XXXX ext XXXX and as far as the fraud branch goes half the time someone from XXXX answers. 

I figured in the beginning it's only a check for XXXX so I'll mobile deposit it to make it easy. However, The past few weeks have been super frustrating trying to work this out and the last thing I want is for Chase to keep this money just on principle.
Product: Checking or savings account

When I overdraft, Bank of America takes {$35.00} out even though they changed it to XXXX XXXXover a year ago.
Product: Checking or savings account

XX/XX/2024 my CD term matured with a balance of {$23000.00} and I provided instructions for the money to be transferred to a savings account with XXXX XXXX  upon maturation of the CD. On XX/XX/2024, Marcus by Goldman Sachs ( Marcus ) paid out an interest balance of {$38.00} which lines up with their own high-yield savings rate. On XX/XX/2024, I called Marcus and requested to have my account closed or to just transfer the funds from the Marcus account to the XXXX XXXX  account mentioned earlier. Seven days later, on XX/XX/2024, I again called Marcus requesting the same thing. This time, I entered a conference call with a representative from both Marcus and XXXX XXXX  wherein the XXXX XXXX  representative confirmed my account information with the Marcus representative. After this, I was told that Marcus needed to approve the funds transfer and closure of my account and that this should take a few business days. It has since been sixteen business days with no change on either account ( asside from a {$100.00} interest payment made by Marcus on the account ). I am unable to make any transfers on their website, and the link to the transfer page seems to be broken.
Product: Debt collection

I am disputing these debts because these were corporate accounts/corporate leases/corporate debt that I never agreed to be personally liable for. These corporate leases and corporate debts were in the name of a corporation called XXXX XXXX, XXXX. I was a XXXX XXXX of XXXX XXXX XXXX so I signed the leases on their behalf but I never agreed to be personally responsible nor personally liable for the accounts and debt of XXXX XXXX, XXXX. These are corporate debts only. Enclosed are copies of the lease agreement for these accounts between XXXX XXXX and XXXX. XXXX XXXX is a XXXX party collection agency, who wrongfully placed this debt on my personal credit. 

XXXX XXXX gave me these leases and account statements for XXXX XXXX, XXXX. These documents that XXXX XXXX provided clearly show these debts are corporate debts for XXXX XXXX XXXX, NOT personal ones for XXXX XXXX.
Product: Credit reporting, credit repair services, 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 validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$180000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$37000.00}
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed { INSERT CREDITOR AND ACCOUNT # } on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by { CRA }. { CRA } has violated my consumer rights and violated federal law. This is the { INSERT # OF LETTERS THAT HAVE BEEN SENT TO TRY AND FIX THIS ISSUE } attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I sent a notification to the Credit Bureaus regarding accounts that I don't owe or recollection. I asked to verify. I also contacted the companies reporting. Since XXXX no information has been given from Experian or XXXX. 

This account was Verified as Accurate. My question is, how is this account verified as accurate when, it's not accurate and I do not owe nor has XXXX sent information regarding this account. 

Experian still lists this account AND they have the account listed twice as Duplicate, which is a blatant error and violates Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes with proof uploaded to all three of the credits and I am receiving no response. I have requested for them to investigate and send me proof from the creditors and still receiving no response and the incorrect information is still on my credit. Please help me to resolve this matter. 
Dispute submitted on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : Wrong Name : XXXX XXXX Wrong Date of Birth : XXXX  Wrong Employer : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please delete the following Incorrect Addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
Please delete the following Incorrect Names: XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Please delete the following incorrect phone number: XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed my modification in XX/XX/2021 and started making my payments may of XXXX. This company stated they would fix my credit and report my payments as being made several times and they have not done so. I would like my credit to accurately show that only payments were made for effective may and that I was no longer in a forbearance. I have tried to work this out with them and have yet to see this corrected on my credit report
Product: Debt collection

On or about XX/XX/2019, I was served with court to answer a debt owed to XXXX XXXX XXXX by the XXXX XXXX XXXX XXXX. 
While I filed a reply, requesting documents about my debt, I was answered with a Motion for Summery Judgement, which to make a long story as short as possible, they were successful.

While, I must state, that the firm was most cordial, and polite in all my dealings with them, I find that by not providing the debtor with an appropriate invoice detailing the charges, prior to, and subsequent to the court action is in my opinion, while obviously legally proper, because after all they did prevail, not morally or ethically correct. 
All in all, not to the determent of the law firm, I feel that I was massively overcharged for the services rendered. and yet no recourse whatsoever.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it.
Product: Checking or savings account

I am a former Truist customer and I recently moved. I would like to receive my XXXX as I believe my sign-up bonus may be counted as income on this document. I attempted to call to update my address. Truist will not supply it to me online and they refuse to update my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXXXXXX XXXX  XXXX Serious Problems VIN : XXXX I submitted this letter in XXXX of XXXX, the following : ( 1 ) XXXX XXXX XXXX of XXXX, TXXXX, and ( 2 ) XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX was provided too XXXX XXXX and XXXX XXXX, in XXXX of XXXX!! 

As the car finance company, XXXX XXXX proceeded to do nothing about my constant attempts to resolve the serious problems, I was having with my XXXX XXXXXXXX XXXX XXXX. 

My XXXX XXXX XXXXXXXX XXXX had multiple Transmission and Air Bag Problems including the following : Air Bag Problems include the following : ( 1 ) poorly functioning and ( 2 ) pop-out of position while driving or at a complete stop. 
Transmission Problems include the following : ( 1 ) made loud noises, ( 2 ) vibrating and shake during driving, ( 3 ) CVT slipping, ( 4 ) chokes-jumps when accelerating, ( 5 ) failure to go into reverse, and ( 6 ) transmission failure-stopped completely died on the highway. 
XXXX XXXXXXXX XXXX XXXX CVT transmission. 

Despite XXXX recalling XXXX XXXX XXXX vehicles, I XXXX XXXX XXXX, never received any type of Notification the Recall!! XXXX recalled nearly XXXX model-year XXXX XXXX XXXX due to Bad transmission. 

In XXXX, my car started making Horrible noises from the vehicle transmission. Despite XXXX recalling XXXX XXXX XXXX vehicles, I never received any type of Notification the Recall!! 

XXXX recalled nearly XXXX model-year XXXX XXXX XXXX  due to Bad transmission. In XXXX, my car started making Horrible noises from the vehicle transmission. 
During late, XXXX and early XXXX, my XXXX XXXX transmission problems progressed to the point where after stopping completely, it had to slightly accelerate so that the rpms would drop then reapply the accelerator. 

I never received any Notification of XXXX issued Service Campaign Bulletin XXXX, Service Campaign for the XXXX XXXX XXXX  XXXX. This campaign was issued to address noise, vibration and poor acceleration caused by belt slippage in the XXXX transmission with the fix reprogramming of the XXXX XXXX XXXX ( XXXX ). 

XXXX then issued Technical Service Bulletin ( TSB ) XXXX XXXX to address Judder on Deceleration Under 15 MPH. 

During the last 6-plus years, XXXX XXXX reported and destroyed my Credit and by sending negative notices to all three Credit reporting Organizations Bureaus!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXXXXXX BANK XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Credit Card Balance on XX/XX/XXXX XXXX XXXX - {$0.00} Payment Info Status Legally paid in full for less than the full balance Status date XX/XX/XXXX 2020
Product: Credit reporting

Never lived in Pennsylvania in my life. 
Also NEVER known as XXXX XXXX XXXX.
Product: Debt collection

There is a collection for {$180.00} for XXXX XXXX thats keeps getting sold on after it get removed! I have disputed over and over but keeps getting sold. Now IC systems is reporting I owe a balance for XXXX XXXX which they stated would be removing off my credit last time I disputed but again sold to IC systems with a now {$180.00} balance. They are not authorized to collect in the state of Ohio as well upon my research. I need this removed off my credit report
Product: Debt collection

I have asked on multiple occasions for this company to not call me or leave voicemails. I still regularly get calls and threatening voicemail messages which I have saved starting afert the first time i made the request. When I have called back to escalate to a supervisor to again make sure the calls cease I have beem hung up on more than once!
Product: Credit reporting or other personal consumer reports

As recognized consumer reporting agencies, both XXXX and XXXX, and myself as the consumer, possess the right to safeguard personal information, as emphasized by 15 USC 6801, outlining Congress 's policy that financial institutions actively uphold customer privacy. I have identified what I believe to be a violation of the Privacy Act ( FERPA ). In accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), it is crucial to ensure that consumer reporting agencies fulfill their significant responsibilities with fairness, impartiality, and a commitment to respecting the privacy rights of consumers. XXXX and XXXX are also falling short in maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e, to prevent violations of the Fair Credit Reporting Act. Moreover, as explicitly stated in 12 CFR 1016.7, a consumer has the unequivocal right to opt out of reporting services at any time. Consequently, I am exercising my right to opt out of your reporting services. Additionally, I kindly request that you update my accounts to reflect the charge-offs as " paid as agreed. '' I appreciate your prompt attention to this matter and request that you conduct a thorough investigation to rectify the inaccuracies in my credit reports. Please provide a written response within the required time frame as per the Fair Credit Reporting Act. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly states that a consumer reporting agency is forbidden from including certain adverse information in a consumer report without obtaining proper authorization. Reporting this account as an adverse item without my permission constitutes a clear violation of this legal provision. In alignment with 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is prohibited for a person to provide inaccurate information to a consumer reporting agency if they know or reasonably believe it to be inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing a complaint against XXXX because they have failed to investigate and correct inaccuracies on my credit report. Despite multiple attempts to dispute these errors, XXXX has not adhered to the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate the dispute and correct the incorrect information. This issue has persisted even after multiple letters and attempts to resolve the dispute. Additionally, the recent CFPB lawsuit against XXXX for similar violations strengthens my claim that XXXX is not upholding their duties as outlined under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 
I am filing a complaint against XXXX for failing to properly investigate inaccuracies on my credit report. Despite multiple dispute attempts, XXXX has not corrected or properly investigated the charge-off status, payment history, and balance on my SYNCB/PPC account ( Account Number : XXXX ). This failure to investigate and update my report is in violation of the Fair Credit Reporting Act, including 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). This issue persists, and Im asking for a resolution and for XXXX to comply with the law.
Product: Checking or savings account

I was a victim of account takeover fraud, once I realized what happened I immediately called USAA on XXXX, the dispute was opened, and investigation began. On XX/XX/ a provisional credit was issued in the amounts of {$2500.00} and {$1900.00}. 
USAA failed to promptly provide written disclosures to the consumer summarizing the consumers liability for unauthorized EFT 's, failed to provide means to identify the consumer to whom the access devise was issued, failed to provide the telephone number and address for reporting that an unauthorized EFT has been made. 
Per the EFT Act, the financial institution was notified 1 day after the unauthorized electronic transfer and a representative from USAA identified that the device that was used to complete this unauthorized EFT was in fact an android phone, which they were also able to see that the consumer who holds the account at USAA is not an android user. 
The consumer also filed an FTC report for identity theft as another precaution. USAA has refused to take responsibility for the account takeover fraud and has deemed the consumer liable for the unauthorized ETF. The consumer has done business with USAA in good faith for over 12 years. The consumer has been harmed by losing faith in the financial institution put in place to protect their nonpublic personal information and their money. 
The EFT Act protects consumers from situations like this under Section 205.6 Consumer Liability & Error Resolution. It states that the extent of the consumers liability is determined solely by the consumers promptness in notifying the financial institution. Other factors may not be used as a basis to hold consumers liable.

USAA is holding the consumer liable for {$1900.00}. The reversal of the provisional credit has placed the consumers account in the negative and has put the consumer in a vulnerable state. I am in great turmoil and now Im in a financial crisis.