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

On XX/XX/2022, my spouse wrote me a check with an amount of {$6000.00} and I made a mobile deposit on Alliant Credit Union ( Alliant ) mobile app, however my spouse forgot to transfer enough funds from his savings account to checking account, thus this check was returned by Alliant and incurred negative balance on my Alliant checking account ( since I transferred around {$5500.00} from Alliant XXXX XXXX XXXX XXXX Bank after the mobile check deposit ). 
On XX/XX/2022, my spouse wrote me a second check with an amount of {$6000.00} and I made a mobile deposit again on Alliant mobile app, try to make the account balance back to positive. 
On XX/XX/2022, I tried to log in to my Alliant Online Banking and found that the account was restricted. 
On XX/XX/2022, I called the customer service of Alliant, and the representative told me : Dont worry, we restrict your account because your account is overdraft and if you can make a deposit and we will release your account. She then provided me the details of the account on how to receive a wire transfer, including account name, account number, XXXX number and etc. 
On the same day, my spouse used his account and sent a wire transfer of {$6000.00} to my alliant account. One hour later, I received another call from Alliant and a second representative told me that my account will be closed since I was tried to use this account as a hub to transfer fund. I told her that I just transferred once from my Alliant account to my account at XXXX XXXX XXXX bank. And she still insisted that the account is closed and the wire transfer from my spouse was rejected and returned. 
Now I can not get access to my Alliant account and my husbands account was also restricted due to the check and wire transfer were returned by Alliant triggered alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. 
Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any email or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Product: Credit card or prepaid card

JP Morgan Chase denied my credit card application because of the following per there letter dated XXXX ( Copy Enclosed ) : 1 ) Delinquency or other derogatory relationship with our bank. 
Answer I do not have any kind of relationship with JP Morgan- This is a LIE! 
2 ) Insufficient balance in deposit and investment accounts with us. 
Answer - I'm applied for XXXX XXXX XXXX XXXX XXXX and has ZERO to do with any kind of Relationship with JP Morgan- The Application said it was only a rewards card for points for travel. I 3 ) One or more requests for new credit in the past 12 months. Answer what does that have to do with anything as all credit cards were approved. Again a LIE! 
4 ) Repeat of the above - Answer they can't make up any more LIES.

- My credit is great look at the letter credit score of XXXX per their lette. 
If you don't sue them for fraud then I will. JP MORGAN CHASE paid {$920.00} XXXX for fraud and RICO charges. Why would anyone want to open an account with JP MORGAN CHASE? AS this Bank that admitted guilt for Fraud and RICO Charges.and XXXX  $ XXXX in charges but still goes on to deny application for rewards card ( see below for the record ). 
Also, please provide me the THEIR AGENT FOR SERVICE SO I CAN SUE THEM IN CALIFORNIA. - Here is the attachment that needs to be published. 
by XXXX XXXX and XXXX XXXX, XXXX XXXX Published XX/XX/2020 JPMorgan Chase & Co. admitted wrongdoing and agreed to pay more than {$920.00} XXXX to resolve U.S. authorities ' claims of market manipulation in the banks trading of metals futures and Treasury securities over an eight-year period, the largest sanction ever tied to the illegal practice known as spoofing. 

The New York-based lender will pay the biggest monetary penalty ever imposed by the Commodity Futures Trading Commission , including a {$430.00} XXXX fine, {$310.00} XXXX in restitution, and more than {$170.00} XXXX in disgorgement, according to a statement from the CFTC. The CFTC said its order will recognize and offset restitution and disgorgement payments made to the Department of Justice and Securities and Exchange Commission. 

The accord ends a criminal investigation of the bank that has led to a half-dozen employees being charged with rigging the price of gold and silver futures for more than eight years. Two have entered guilty pleas, and four others are awaiting trial. 

The JPMorgan penalty far exceeds previous spoofing-related fines levied against banks, and is the toughest sanction imposed in the Justice Department 's years-long crackdown on spoofing. The bank entered into a deferred prosecution agreement with the Justice Department as part of the settlement, according to the CFTC.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Phoenix Financial Service, for committing identity theft. I have never given Phoenix Financial Service, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from Phoenix Financial Service, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Phoenix Financial Service, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I have not validated any alleged debt with Phoenix Financial Service and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Phoenix Financial Service any right to collect on this alleged debt. 
I am legally refusing to pay this debt pursuant to 1692XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Phoenix Financial Service, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Phoenix Financial Service, continues its collection efforts, I will file for litigation for actual damages caused and Phoenix Financial Service, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

I do not choose to share my u.s.a. ssn with consumer financial institutions and the institutions make a problem of it by requiring a number, by law only required to be shared to the u.s.a. ssa, before issuing a card with printed name. I need arrangements to have an account without using an u.s.a. ssn for a consumer finance tracking device.
Product: Credit reporting

Complaints : 1 ) Inadequate customer service - A collection company that has agreed to remove an item from my credit report failed to reflect so in its reply to the original dispute and Equifax asked me to file another dispute. If the collection company is misinforming Equifax and refusing to provide me documentation, then as a credit reporting agency that publishes information of one 's creditworthiness, the onus should be on Equifax to verify this information by directly contacting the collection agency rather than having the consumer file dispute after dispute. Another credit bureau XXXX directly contacted the collection agency and had the item removed. 

Attached is a document from original creditor stating that I am not responsible for the collection item ( Unfortunately the collection company refuses to provide me documentation that it has marked the item for removal ).
Product: Student loan

I have had my student loans with Nelnet for 12 years now. After dealing with them over the last decade I can confidently say the Nelnet uses predatory practices to take advantage of vulnerable students. I graduated in 2011, in the middle of a recession when jobs were scarce. It was impossible to talk to anyone at Nelnet regarding my payment options. I tried calling on multiple occasions and was never able to talk to anyone human. The robot that talks to you actually hung up on me a majority of the time. When I went online I had been locked out of my account and was told to call the number that repeatedly hung up on me. Not once did I ever have anyone walk me through my repayment options when I was actively asking. After all my effort, the only contact I received from Nelnet was a bill in the mail. When I was able to finally take care of my repayment options I was told that forbearance was my only option. I never had anyone mention other repayment plans or options that I had. In fact, when I got my forbearance it was entirely with a robotic automated message. I'll repeat that in case it didn't sink in. They put a forbearance on my loans without me ever talking to a real person! It has been 12 years and I still have never spoken with real person from Nelnet, the bills still keep on coming though.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX lease account payments have been paid in full, But the account is still showing a balance on my report of {$1300.00}. 

This {$1300.00} is false and I have no more lease payments open on my lease
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CFPB The following accounts and their respective creditors are in direct violations of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Account Number : XXXX ( Original Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from XXXX that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show XXXX, Equifax, and XXXX are all in direct violation. 

These credit bureaus and creditors are also in direct violation of 15 USC 1681c-2 ( a ) by continuing to report this fraudulent account to my credit report after numerous submissions of the necessary documentation proving I am not responsible for this debt. My rights are being violated and I will have to report this to the CFPB, FTC, BBB, and the attorney general as well. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. None of the creditors listed above are physically capable of supplying this information, yet proceed with the continuous reporting of these fraudulent accounts ; directly violating my rights as a consumer that I am entitled to per the FCRA. 

I have attached documentation the credit bureaus deem " required '' to block fraudulent information, to this complaint. I have previously supplied this information numerous times, and the credit bureaus, even while complying with their documentation requests, continuously refuse to comply. This is a blatant disrespect for the law, as well as my rights.
Product: Credit reporting

I WAS TRYING TO LOOK AT MY XXXX AND EXPERIAN CREDIT REPORTS BUT THE QUESTIONS IT WAS ASKING TO CONFIRM I AM XXXX XXXX I ANSWERED THE QUESTIONS CORRECT BUT IT SAID I WAS INCORRECT SO SOME INFORMATION IS WRONG ON MY REPORT BECAUSE I DONT HAVE A CHECKING ACCOUNT I NEVER HAD A MORGAGE LOAN. ALSO MY PREVIOUS STREET ADDRESS I LIVED ON IS XXXX AND MY CURRENT STREET NAME IS XXXX AND I DIDNT SEE ANY STREET NAMES ON MY REPORT THAT HAD XXXX OR XXXX. I HAVE NOTICED INCORRECT INFORMATION BEFORE AND I THOUGHT THIS WAS ALL FIXED ALREADY SO IF YOU CAN PLEASE LOOK IN TO THIS I WOULD APPRECIATE IT THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONTACT # : XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX  Equifax Credit Report still displays a fraudulent account and is the only credit bureau that has this alleged account underneath my name. I am writing to dispute the following information in my credit report file. I have attached serval documents to prove the fraudulent allegation put upon me. This is unfair the items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX XXXX or KNOW AS XXXX XXXX XXXX with a balance of {$110.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit card or prepaid card

I have had an account with PayPal since XXXX and this account had never reported to any credit bureau. In XXXX of XXXX at 60 day late payment was reported to all 3 credit bureau and I was NEVER notified of this change. I had no idea that Synchrony Bank had purchased Paypal and would start reporting to the credit bureau. 

I believe that Synchrony Bank did not do a good job at notifying its Paypal customers that they were going to start reporting. My account has been closed since XXXX and had recently been paid in full. Now that this late payment has been reported, I can not get the financing needed to purchase a car and a home. This had put major stress on my family and I believe the late payment should be removed. 

They did not appropriately notify their clients of this change and this is not right. I never received an email or anything in the mail pertaining to this issue.
Product: Debt collection

XXXX debt currently in collection with XXXX Current Balance Due : {$6500.00} however ; Federal Tax garnishments ( paid ) were never applied to balance:XX/XX/XXXX= {$1400.00} ; XX/XX/XXXX {$1600.00} ; XX/XX/XXXX {$570.00} ; XX/XX/XXXX {$1000.00} ; XX/XX/XXXX {$680.00}. Total garnishment= {$5300.00} highest balance on card {$5200.00}. XXXX amount due is incorrect. Also XXXX is adding Collection Charge and interest totaling {$2900.00}. XXXX title XXXX chapt XXXX subchapter V code XXXX Debt collector may not collect any interest, fee charge or expense ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates : XXXX  ( MONTEREY FINANCIAL SERVICES ), XXXX, XXXX XXXX XXXX never gave XXXX, XXXX, XXXX " written consent '' to report anything on my consumer report they are saying they have but not supplied accurate validation of said certified mailing proving I have supplied such.., No Consent is IDENTITY THEFT. Concerning the account listed below as a Consumer, I Am demanding a deletion of this 3 accounts effective Immediately. I, XXXX XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. This investigation has prolonged for more than a month. According to the FDCPA this is a violation the account must be removed according to Federal Law, silence is acquiescence.
Product: Credit reporting or other personal consumer reports

Equifax never served by clerks in Federal Lawsuit and violation of Seventh Amendment XXXX XXXX. 

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Debt collection

I went to view my credit report so I can work on it to buy a house. Upon looking I noticed a account in collections for XXXX for FAIR COLLECTIONS & O, which I googled and they are a collection agency for rental housing. I never rented a house no where. I filed a police report regarding this incident.
Product: Vehicle loan or lease

I negotiated a new lease on my XXXX XXXX with XXXX XXXX in XXXX XXXX, Florida. Despite a 3 hour negotiation none of the XXXX employees advised me that my lease for the new car would overlap the last month of the old car. This resulted in my making two payments in one month for one car. If I had known I would have opted to either negotiate that XXXX pay off my last payment or I would have opted to wait a month before signing a new lease. 

The result is I paid {$250.00} to XXXX for a car I had returned during the signing of a new lease. I feel this practice was either deliberate or the sales personnel were to eager to sign a new contract that their attitude was the consumer be damned.