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

The funds listed below were deposited into the Chase Branch on XX/XX/XXXX, I have phoned and spoken with Numerous customer Service representatives at Chase regarding this issue and have gotten nowhere, I did not expect to that I would have to continue to plead with Chase regarding these deposits, They implemented/initiated the Process of closing/Terminating the accounts and I would expected that they would have faithfully refunded me my funds. I have been expecting a cashiers check in my name as of today that has not happen. I was advised to personally go into the branch with the appropriate identification and they would resolve the matter from there as of today the issue has not been resolved. 

( XX/XX/2022 ) {$3500.00} ( XX/XX/2022 ) {$1500.00} At first everything seemed to be on track, On XX/XX/XXXX I went into The Chase Branch Located at : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX I sat and spoke with the Branch Manager ( XXXX XXXX ) who phoned the Executive Branch and advised them that I was there and presented them with the appropriate Identification and that I XXXX XXXX was the Issuer of the checks that were never reimbursed. 

The checks were sent payable to XXXX XXXX the incorrect party : which the accout was closed/Terminated. 
I spoke with ( XXXX XXXX at the Executive Office on several occasions regarding this matter As recently as XX/XX/XXXX and she indicated that she was going to speak with the lawyers and would be getting back to me, as of today I have not received any type of contact.
Product: Credit card

Application denied My credit score is XXXX I have no late payments I have saving accounts with Discover with substantial deposits Appllication number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and therefore income under IRS XXXX XXXX. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. 

The charge-off, considered as income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. However, XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. 

Despite my attempts to rectify this issue directly with XXXX by disputing the inaccurate information on my consumer report, the erroneous reporting persists. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. 

Furthermore, XXXX 's actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 

2. Violation of FCRA Section 6802 : XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. 

This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. 

Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, This letter is in response to your recent claim that the following information reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Enclosed are the following : 1. A copy of my Identity Theft Report and proof of my identity.

2. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

3. A copy of the XX/XX/year> police report I appreciate your prompt attention to this matter and await your reply. 
I have disputed this information a few times already and they keep coming back verified. I need a reinvestigation. With the CFPB suing XXXX for sham investigations, I have a feeling the other bureaus might not be doing full investigations. This information needs to be blocked. If for some reason you keep denying my FCRA rights, I will seek legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT RECONIZE ANY OF ALL THIS INQUIERIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Auto Financing Auto Financing Companies Auto Financing Companies Auto Financing Companies Automobile Dealers, Used Auto Financing Companies Finance, personal Auto Financing Auto Financing Auto Financing Auto Financing Companies Finance Companies - non specific Auto Financing Companies Automotive Automobile Dealers, New Automobile Dealers, Used Miscellaneous Banks and S & Ls Bank Credit Cards Bank Credit Cards
Product: Credit reporting or other personal consumer reports

I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED. WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED OFF MY CHALLENGE LETTERS XX/XX/2023
Product: Debt collection

Informed them i 'm having trouble paying and to submit account into collections ... .. they call about 5x a day they even came to my home in person which is not ethical
Product: Bank account or service

I live in XXXX. On XX/XX/2017 & XX/XX/2017 someone if XXXX went to a XXXX Bank of America using my husbands name and made XXXX transactions for a total of {$22000.00}. The bank did not question it or notify me of this. I found it myself. I filed a Fraud claim with the Bank - Claim # XXXX. The denied the claim via email on XX/XX/2017 stating they had not been notified that or identification was lost or stolen and that the signatures on the items we claimed were consistent with the sample of the signatures on file with them. Neither are correct and we have never been to XXXX. I went again to the local bank today who contacted the Fraud dept and was told that the claim was denied and they would not re-open it. They would also not let us file a new claim on any transactions that were already filed on. Basically I 'm out my $ XXXX and that 's it, Bank of America will not return my money.
Product: Debt collection

I received a bill nearly 7 years ago for medical debt they couldnt prove I owed, sold to a collections agency and damaged my credit. Then this month put it back on my credit and further damaged my credit score. 
They have never provided proof they own the debt, or that I actually owe this debt. The company was Delivery Financial Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent challenge letters to Equifax to properly and transparently investigate these false accounts on my credit reports. However, they have not conducted such reinvestigations in accordance with federal law under the FCRA. I sent cease-and-desist letters directly to several creditors which Equifax is still furnishing my report inaccurately. These letters are attached below upon receipt of my cease-and-desist letters those companies were to cease all communication about these alleged accounts. However, Equifax continues to violate federal communication laws under the FDCPA by continuing to report these accounts. Moreover, I have included my most recent challenge letter I sent to Equifax last week. I ask the CFPB to ensure that Equifax sends me all all calls, transcripts, emails and any other communications used to verify all these accounts via USPS certified mail. They must do this within the next 30 days if they fail to delete and update these accounts.
Product: Credit reporting or other personal consumer reports

On my credit report there are several companies on my report that I don't know who they are, and I tried to call them and there was nothing done about it, so I wrote to the names of the financial institution that's on my account, that say they are open in my credit files. XXXX XXXX, TransUnion, there are deferent. Names 1. XXXX XXXX  has 13 accounts.2. XXXX XXXX has 13 accounts.as well.3. Dept of EducationXXXX has 13 accounts. All of these accounts have deferent account numbers and the same amount on them. now back in XX/XX/2022 I was granted Student financial Aid forgiveness now all these companies are on my report. They all have the same amounts of payment on there but deferent account numbers.
Product: Checking or savings account

In XXXX of 2022 I was shopping online for a small personal loan of XXXX, I was approved by a loan company to receive the XXXX I do not remember the loan company name as I applied to a lot of companies and the loan Dicuments seem to have been deleted from my email account I dont believe by me. On XX/XX/2022 I went to take out my rent money and f I und i couldn't get access to my account, I then called Citibank customer service and found out I was the victim of a fraud, 2 fake checks were deposited into my Checking account, both were detected by fraud prevention and no money was taken from the account, the representative informed me that my account was going to be closed for fraudulent activities, I said then I need my rent money and pay check taken out of my account as my rent was due I was informed that I wasn't allowed to have my m I ney until my account was closed in 3 to 5 days and a check mailed to me. I told them I couldn't wait for my money to be sent that my rent was due and my Landlord was strict, they said nothing could be done. After the 4th day I c as lled Citibank Customer Service again and told them I really need my rent money as my landlord was very displeased. Again they said nothing could be done but if I wanted to go into a branch of the bank they we old give me my money, I looked up the closest branch and found it was 5hrs away from me and I do n't drive, so the rep informed me that a check would be mailed in 5 -10 days wich wasn't what I was initially told, I said to the rep that if this kept up I was I uld be facing eviction all they said was I'm a orry can't help after t a t I continued to call and ask for m t money 3 to 4 times a week only to get the same response exc we p r the w a it time for the check went to 30 to 60 days, I told yet another ro that I surely would be evicted this day Citibank refuses to give me my funds that were labeled amicic partners payroll and have now tried to say that I deposited the checks which is a lie and when asked admitted they have no proof of that, I'm still facing eviction today and there has been no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9400.00}, {$50000.00}, {$50000.00}, {$19000.00}, {$27000.00}, {$260000.00}, {$260000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNTS- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account.

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

-AUTO ACCOUNTS- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account.

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 

-REAL ESTATE LOANS- 6. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account.

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account. 

-STUDENT ACCOUNTS- 8. U S DEPT OF  ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Product: Prepaid card

I wish to close my Revolut card because Revolut has made it clear that it will not permit me to open a XXXX XXXX unless I provide a " National ID Card, '' something that does not exist in the United States. I have already provided a RealID compliant driver 's license from the XXXX XXXX XXXX, a lawful jurisdiction in the United States, which was sufficient to open the Revolut card, but for reasons Revolut will not address, the same ID is insufficient to open an associated interest-earning savings vault. I am permitted to open non-interest bearing vaults, but there would be no reason to do so when Revolut advertises, apparently falsely, that interest of 3.25 % can be earned on an interest-bearing vault. 
The current balance on the Revolut card is XXXX. When I attempt to close the Account, the Revolut app says it can not close the account with a balance greater than XXXX. When I attempt to transfer out the XXXX balance, the Revolut App declines any transfer of less than XXXX. Accordingly Revolut would require me to add additional funds to the Revolut account and then once the balance exceeds XXXX, they would presumably permit me to then transfer the full balance out. Nothing in the terms of service require me to add money to an account for any reason, including for purposes of closing an account. I request Revolut provide a written explanation to the CFPB as to why a client can not close an account due to rules not stated in any contract that preclude the customer from transferring out or otherwise receiving the remaining balance. 
When I attempt to use Help, I can not reach an agent. When I attempt to use the option to transfer in and then close, the defective Revolut App continuously restarts, effectively locking me out of access to the remaining XXXX balance.
Product: Credit reporting or other personal consumer reports

I am requesting a 1099c from XXXX XXXX of XXXX because they charged off/ written off.
Product: Credit reporting or other personal consumer reports

I have disputed information and provided a police report because I am a victim of identity theft every 60 days for months over the past year and nothing has been done.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX XXXX XXXX, I noticed that my mortgage payment had increased by over {$1000.00}. I called the customer service phone number on my mortgage website ( XXXX ) but the automated service would not allow me to speak to anyone. I called a different number for XXXX, they told me the website number is for residential loans, call back and keep pressing '0 ' until someone answered because they have the same issue. That worked and I was able to figure out that I needed to resolve an issue with my appraisal district removing my homestead. By XX/XX/2024, the issue was fixed and I attempted to get ahold of someone from my mortgage company. This time, no matter how many zeros I pressed, I was unable to reach a representative completely. There was a chat option, they provided me with an email ( XXXX ) to send my updated appraisal documents. During the chat, I was barely able to get responses, they were generally unhelpful. I sent an email XX/XX/XXXX with my loan number in the subject line, my name and address in the email and attached appropriate documents. The automated response was to wait 8 business days but I did not hear back via email. I attempted to call again on XX/XX/XXXX with no luck reaching anyone through the same phone number provided on my mortgage login. I called a different number for XXXX, they told my Mr. Cooper is servicing my loan and they can not help me. A number on the Mr. Cooper residential loan website redirects me back to XXXX. During another chat on XX/XX/XXXX, I was told to email all documents again and include my name in the subject line along with the loan number and wait another 7-10 days. I don't understand how Mr.Cooper/XXXX will not allow me to speak to anyone or answer emails. I need my property taxes to be updated and escrow lowered so that my mortgage payment is manageable, I'm worried about losing my home.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please blremove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX : {$69.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have a card I had to put XXXX $ on I had the card for 2 or 3 yrs I git it to boost my score XXXX keep it low so my utilization will be low if I do use a high amount I pay it right away away or two every time my score starts rising and I meanXX/XX/XXXX a fraudulent charge of XXXX to XXXX dollars always appear either its a straight XXXX something dollars or little purchases to equal up to XXXX or XXXX dollars no more then my score automatically drops XXXX or more points and once the credit card company fixes the problem the credit agencies EQUIFAX, XXXX NEVER FIXES THEM BACK TO WHERE IT WAS BEFORE THE FRAUDULENT ACTIVITY STARTED this has happened constantly for the past 4yrs I have been trying to fix my credit this problem has kept me obtaining financial independence and this needs to be fixed and held accountable for hat they are doing and put things back the way it was so people can have the American dream and be rewarded for being financially responsible
Product: Checking or savings account

My account stayed in good standings for a while then all of a sudden there were a bunch of overdraft charges and then all of a sudden they closed me account.