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

Dear [ Consumer Finance Department, I hope this message finds you well. 

I am writing to seek your assistance regarding a serious issue with my Chase Business Checking Account. After receiving a payment, my account was unexpectedly closed, and I have not received the funds associated with that payment for over 90 days. 

Here are the details of my account and the payment in question : Account Holder Name : XXXX XXXX Business Name : XXXX XXXX Account number XXXX Routing number XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MA, XXXX Chase Bank Checking Business Date of Account Closure : XXXX Amount of Payment : XXXX $ Despite my efforts to resolve this issue directly with Chase, the funds have not been released, and I am facing significant financial distress as a result. I would greatly appreciate your urgent intervention to expedite the resolution of this matter and ensure that I receive the funds owed to me. 

If any additional information is required from my side, please let me know, and I will provide it promptly. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift response and resolution. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My personal and financial information was shared and compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records as well as Title IV which specifically protects access to financial aid data. This breach is a clear violation of FERPA and their responsibility to safeguard my information.

FERPA Violation : -Unauthorized access or sharing of student records ( PII ).

- Failure to provide students access to their own records.

- Data Breaches involving protected student information.
Product: Money transfer, virtual currency, or money service

I am owner XXXX XXXX XXXX, XXXX XXXX our client XXXX XXXX, after the service was completed in the amount of {$740.00}, asked to make 2 payments of {$370.00}. Later, a month later, the client opens a dispute for the first amount of XXXX and claims as a duplicate transaction, which is an absolute lie. Our company, having received a message about opening a dispute, and seeing that two transactions have passed in a short time, by mistake sends money XXXX XXXX The next day, the client opens a dispute as already dissatisfied with the service, which is also a lie, since the work was completed in full and the bland radar system began to work. There is evidence of the amount that the client must pay in correspondence and invoice, please see attached. We use money service SQUARE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries : XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXXXXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

First off, I read in the newspaper that I was being sued by a debt buyer that I had never heard of, then I had a court document delivered by local sheriff of a request for default judgment request. 

I had never received any letter from this debt buyer. I contacted the court and advised I had not received any letters and that I requested an actual hearing. 

The debt collector submitted a signed affidavit that said a letter was mailed via first class mail. No tracking info could be provided. 

I asked for proof of ability for them to sue me or ownership of the debt. They sent some papers that showed they bought a bunch of debt from XXXX XXXX. Nothing that showed me or any account directly associated with me. 

We appeared in court and the judge agreed the information provided was not supportive of showing any ownership, thus not granting the default judgment they requested. However, they continue to report this on my credit report after many attempts to have it removed. 

Secondly, the information they are reporting is inaccurate. I never obtained a loan directly from XXXX XXXX and the only loan I can possibly associate with it, is from AVANT and the account numbers are the same l, but the dates do not match. 

The debt buyers date is listed as after the possible loan.
Product: Student loan

I filed answers to everything they asked and was told the payment would drop to XXXX. 

Then I got a subsequent notice it would be XXXX, a decrease of XXXX. 

This does not help me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


3. XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS INTEGRA FS Date of inquiry : XXXX  Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

i contact my creditor and informed them that I was looking to purchase a home and came to an agreement that they would update my account as charge-off they in turned sent me documentation stating the agreement to change account to Charged -off. I submitted documents to all XXXX Agency. 
XXXX, TransUnion and XXXX. 

XXXX - Updated documents with no problem Transunion and XXXX still refuse to update information. 
this is harming my changes of owning a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Right before Hurricane Sally, I called to check my insurance. Since my mortgage company pays this, I wanted peace of mind. After inquiring, my insurance carrier said that my flood was canceled. I asked how this could happen, and they looked into this with FEMA. It was discovered that my mortgage company sent a check to FEMA, put a stop payment, and then did this again. FEMA then canceled my policy, which I assumed from the previous seller. I was then forced to get private flood at triple the price. I have asked for help and or an explanation from my mortgage company. They claim it's not their fault, and that's it. Now, my payments have gone up to no fault of mine. They were supposed to handle this with my escrow.
Product: Student loan

I elected to resume my payments but was informed by the Department of Ed that my payments would not be counted as direct payments toward XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have made 117 qualifying payments. Also, the form lists that I have to make 121 qualifying/direct payments, but the federal requirement is only 120 direct/qualifying payments. The Department of Ed will not correct the determination letter or respond to my dispute regarding the calculation of qualifying payments.
Product: Mortgage

My loan company, NationStar has not completed the following:1 ) Credited me my {$5000.00} incentive per Dodd Frank for making XXXX years of on time mortgage payments. 
2 ) Never provided me a copy of loan modification agreement at all especially XXXX with an adjustable rate. 
3 ) Never provided me paperwork showing I agreed to an adjustable rate. .. no regulation Z provided
Product: Debt collection

XX/XX/XXXX XXXX I attempted to obtain my account number so I can review the debt. The woman at the company was extremely rude And refused to give it to me. Literally I told her maam you guys are asking me to pay a debt and wont even give me the information on it. She was aggressive and rude. We went back and fourth and they still failed to provide this information. I even hung up to call again to speak to someone else and they transferred me right back her. The calls have become more harassing and overbearing and no one at the company will provide me of the breakdown of debt I owe because EVERYTIME I call they jump straight to and I quote so are you not gon na pay Ill say can I have my account number please and theyll say the same thing. It is a recorded call and can be pulled for record. Ok
Product: Checking or savings account

My business account being charged a business analysis fee monthly by Regions bank when open document nothing is there and I have asked and asked why and there is no report. I was told that's a report and fee charged to all business
Product: Money transfer, virtual currency, or money service

XX/XX/2018 i sent {$240.00} to a person using XXXX. They never sent me the tickets. I called my bank and they said they couldnt do anything about it. XXXX has to be held to higher standards if they are going to be involved in people 's money. Her email address is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested on 2 different occasions that the late payments reporting to my consumer report, be deleted from my consumer report, or delete the accounts all together.

15 US CODE 1681e ( b ) - The Fair Credit Reporting states that Transactions, experiences, authorizations, and approval of credit aren't included in your consumer report. 15 US CODE 1681a -Definitions- Rules of construction-paragraph 2 -- Exclusions -Paragraph ( a ) & ( I ). Exclusions- Except as provided in paragraph 3. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer, and the person making the report. This law states that transactions are not included in your consumer report.
Product: Debt collection

On XX/XX/2019 I contacted XXXX XXXX XXXX where I had previously received an XXXX XXXX  and purchase eyeglasses. My eyeglasses were stolen and I called the day before to set an appointment. I told the Receptionist that I got slapped by another XXXX XXXX and his fingernail scratch me in the XXXX. She suggested I see a Doctor upstairs instead of going through the doctor on the 1st floor that exam my XXXX  back then. She asked me did I have Insurance and I told her yes with XXXX XXXX XXXX XXXX. When I arrived the following morning they told me that the Doctor did not accept XXXX XXXX XXXX XXXX and I needed to go to their Emergency room. I went and 2 Doctors exam my XXXX  and said everything was fine, the receptionist took 2 insurance cards from me, one Was XXXX and the other was XXXX XXXX XXXX XXXX. I never committed to self-pay for an exam that I normally get free at XXXX XXXX XXXX  where I now have my eyeglasses. XXXX XXXX XXXX committed Fraud by charging me {$770.00} for an XXXX XXXX and placing it on all 3 of my Credit Reports. I contacted the Debt Collector Holloway Credit Solutions for the Dispute process and they still put it on my Credit Report. They both are in Violation of The Fair Credit Reporting Act and are liable up to {$1000.00} each on all reports in State and Federal Court. I am also a XXXX XXXX, a XXXX XXXX XXXX for The State of Alabama. Due to the collection on my Credit it is prohibiting me from borrowing money from my 2 Credit Unions for funding for my XXXX XXXX XXXX  to purchase XXXX. Right now that amount total is XXXX XXXX  they are responsible for me not getting.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  Date of inquiry : XX/XX/2022 Please ensure that all information is accurate. If not proven delete this immediately. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  Date of inquiry : XX/XX/2022 Please ensure that all information is accurate. If not proven delete this immediately. 
3. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  XXXX Account Number : XXXX Please UPDATE this late payment in my Credit Report. 
4. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX Account Number : XXXX Please UPDATE this late payment in the Credit Report or I will seek LEGAL OPTIONS against your AGENCY in favor of my FCRA. 
5. Under 15 usc 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. 
XXXX XXXX Account Number : XXXX Please UPDATE this late payment in the Credit Report or I will seek LEGAL OPTIONS against your AGENCY in favor of my FCRA. 
6. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. .Unacceptable How can you say its verified when theres a lot of information is inaccurate XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX  ( XXXX ) via email with a Goodwill letter to see if they could adjust the late payments reporting on my student loan accounts with them. The alleged late payments came from periods that my forbearance supposedly covered. The rep said no because the information was accurate. XXXX is not complying with their policy that states any backdated, granted forbearance covers late payments if any shall be a result of it. They brought my account to current but failed to address and remove the late payments that occurred from XXXX XXXX XX/XX/2019 on the student loan accounts. AES is reporting inaccurate information ( late payments ) on my consumer reports with Equifax, XXXX, and XXXX.
Product: Debt collection

After reviewing my credit report I have discovered an inaccurate listing included on my file that I never knew about and did not sign any contract for. This company which I hold no contract with nor have received serviced from, reported a amount of {$1400.00} with XXXX, XXXX and XXXX credit reporting agencies. This has been on my credit report since XXXX and I have not been contacted to resolve this debt. I do not and should not have a signed contract with ERC or XXXX. I have never done business with either company. I am not reliable for collection from this debt from ERC or XXXX. After reviewing my report I sent debt validation letters to ERC requesting the original signed contract stating that I have or had an account with XXXX. This communication was sent XX/XX/XXXX. The FCRA requires you to verify the validity within 30 days. I have disputed this collection account with all three credit bureaus and ERC has not provided any information, contract or adequate proof. that I actually signed proving this account to belong to me. These disputes were sent to the credit bureaus on XX/XX/XXXX and ERC has failed to provide the necessary information and have only reported to the credit bureaus that my account was being reinvestigated. Validation that I actually signed a contract has yet to be received. As the accounts are under reinvestigation over the past two years it has affected me from getting credit to build my credit. If the validity can not be verified, they are obligated to remove this collection. I have never signed a contract with ERC or XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to transfer XXXX XXXX to my personal wallet, but my account was immediately restricted. I followed all the steps provided for the account review process and submitted the required documentation, yet nothing happened. I emailed their support team but received little useful information. Eventually, I got a notification through the app instructing me to call them. 

When I tried to reach out, their callback system promised a 30-minute wait, but I often didnt receive a call back at all. On the rare occasions I did, it was typically 89 hours later and from a number that wasnt even listed in the app, which felt suspicious. When I finally managed to speak with someone, they asked irrelevant questions, such as how I got into XXXX and how I discovered Robinhood, none of which pertained to my issue. 

When I requested to escalate the matter, I was told to email them instead, which felt like they were deliberately giving me the runaround. Now, my account is once again marked as under review. With the market being so volatile, I believe its unacceptable for any financial institution to restrict an investors access to their funds for such an extended period. From my research, this appears to be a common issue, which is extremely concerning.