23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

For the second time chase bank rearranged my purchases that cause my account to be charged overdraft fees 3 times. I was maybe expecting one but they moved charges from Friday, Saturday and Sunday around. These were not charged as credit. This is the XXXX time this has happened and every time I call they do n't see this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing is to inform you that this company is being unreasonable and not adhering to the law. I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX  XXXX XXXX # XXXX, Opened Date XX/XX/XXXX, Original Creditor XXXX XXXX  XXXX XXXX XXXX , High Balance {$1500.00}. 2. XXXX XXXX XXXX, ACC # XXXX, Original Creditor XXXX XXXX , Opened Date XX/XX/XXXX, Balance {$190.00}. I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.
Product: Credit reporting or other personal consumer reports

Accordance with the fair credit reporting act XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604. Section 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 15 US Code 1681a-Definitions ; rules of construction-exclusions-except as provided in paragraph 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 ; 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, Experian and XXXX are not maintaining reasonable procedures.15 US Code 1681a-z states it is illegal to report transaction history.
Product: Student loan

Navient has taken immediate negative action against me because I filed a borrowers defense loan forgiveness request : 1. Before I filed a borrowers defense loan forgiveness request ( case # XXXX ), I had a forbearance in effect with a payment start date of XX/XX/XXXXper letter dated XX/XX/XXXX. 
2. On XX/XX/XXXX, I filed a borrower 's defense loan forgiveness with Federal Student Aid : an office of the U.S. Department of Education 3. On XX/XX/XXXX, I received two letters from Navient dated the very same date of XX/XX/XXXX a. The first letter says, The U.S. Dept of Ed has notified us to process an administrative forbearance on your loans. 
b. The second letter said that there has been an adjustment of my forbearance and says, your forbearance period started XX/XX/XXXX and ends on XX/XX/XXXX. 

4. Again, before I filed a borrowers defense loan forgiveness request, I had a forbearance in effect with a payment start date of XXXXper letter dated XX/XX/XXXX. 

5. In sum and substance, after I filed a borrowers defense loan forgiveness request, Navient changed my loan repayment date to 4 months earlier than when it was scheduled to move from forbearance to repayment. To be clear, I had an existing forbearance before I filed for Borrowers Defense and that forbearance was scheduled to end with a XX/XX/XXXX repayment start date. 

6. In addition, late fees have also been applied to my account. 
7. Note that this is not the first time that Navient followed my loan forgiveness request with prompt negative actions. The first time I filed a loan forgiveness directly with Navient, two XXXX Police Department Squad cars came to my apartment to remove me based on a call that Navient placed to the police department ; at least six police officers came into my apartment geared up to forcefully remove me all because I made a loan forgiveness request based on XXXX and provided Navient with medical record ( To this day, I am traumatized by this event because a man in my area had a similar issuesomeone sent the police to his house to bring him to the XXXX  ward and the police ended up XXXX  the man ). When I contacted Navient about this matter, a representative by the name of XXXX XXXX who represented that he was with investigations threatened me with arrest and he called me a XXXX  XXXX. XXXX XXXX also stated that he was with investigations, and if I did not pay my loans, the police would return to arrest me. I have kept this experience privately and have been suffering inside because of it, but I hope that you can help me. 
8. For various legitimate reasons, I have requested documents from Navient so that I can verify and calculate the purported student loans but Navient has not provided the requested documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out stating that my account history should be exceptional as it is reported as on my XXXX  as such. There has nothing been updated to reflect that to match my XXXX  account.
Product: Credit reporting

XXXX XXXX XXXX charged off an account in XXXX XXXX. They reported it as charged off again in XXXX XXXX and again in XXXX XXXX. The FICO credit scores treat this as a recent event instead of XXXX that happened 4 years ago. They claim it 's only noting the current status of the account but this is not how it 's considered by virtually all the various credit scores. It 's listed in account history and it 's false. It 's impossible on its face. A charge off occurs once. This is in retaliation of me requesting validation of the debt with Experian. A charge off is a XXXX time event. It does not happen over and over again. All of the charge off notations after the XXXX XXXX need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX recently decrease my credit limit and also my account was reported as dormant as I hadn't used it in XXXX  months but I just used it. So the same month that it showed usage, in my most recent report, it also showed a decrease and limit by {$100.00} though I've never been late, and just have used it and this is affected my score.
Product: Credit reporting or other personal consumer reports

Violation of the law by reporting inaccurate information on my consumer report according to FCRA consumer law 15usc1681 ( E ) ( B ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

Recieved mail and texts regarding the debt Credit Services {$520.00} XXXX. Requested contract with wet signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a chapter XXXX bankruptcy shown on all XXXX bureau reports XXXX times over the past XXXX years. They all say they confirmed and it will remain on my credit. I know they are lying and did not confirm, as i do NOT have a chapter XXXX. This has negatively affected my credit for the past XXXX years. Thus my complaint is against XXXX, transunion and XXXX for inaccurate and unfair reporting practices. 
I want them to remove this immediately. Some of my accounts that I paid off even are marked as " dismissed in chapter XXXX ''!!! Its betong infuriating, years of fighting this. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my Credit Report from all 3 credit bureaus, & a Inquiry is showing for CONFIDENT FINL SLTNS/W on XX/XX/XXXX & XX/XX/XXXX. It is showing that someone tried to apply for a credit card from CONFIDENT FINL SLTNS/ using my identity. I have never tried to apply for a credit card from any company as I have no effort and do not wish to have credit cards.Also I am victim of fraud and are taking the necessary steps to resolved this matter as well. I have called CONFIDENT FINL SLTNS and explaining that this was fraudulent and have spoken with several representatives but have not been successful of getting this Inquiry removed.This mark is very damaging to my credit and I have no knowledge of this, and will like to have this removed expeditiously.
Product: Checking or savings account

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Checking or savings account

I am a XXXX employee and I also have a XXXX a account. I also have or had a prepaid account with Chime. I've been their customer for a very long time. Last week I did a very small transfer of just only {$2.00} from my XXXX account into my chime account. After I made the transfer I ended up changing my mimd about the transfer and told XXXX to take the money back, so they did so. After XXXX took the money back chime said there was some unusual activity and they quickly closed my account. After being with them so long, I was shocked by this, and very disappointed abut the fast closing. They closed my account in a heartbeat and refuse to give my {$660.00} that was in my savings account. Chime told me to upload my ID front and back and thats what I did many times. Chime also ask me to upload a letter from XXXX bank to show that I had authorize the transaction. While working at XXXX, I do know we don't write any letters but I did double check with the manager and he said no. What I was given was a stamped account balance summary with the manager signature. That was all I had, so I uploaded that with my ID. They still told me I could't get my money from my savings account because I didn't provide the needed documents. I been calling and emailing them every day to get my money and I just keep getting an automated system through email.
Product: Credit card

XXXX charge with XXXX  amount XXXX XXXX charge car rental company about XXXX Spoke to managers at the dispute dept and customer service they dont appreciate customers time and were not knowledgeable about dispute process.
Product: Checking or savings account

My navy federal account was hacked and fraudulent loans was opened in my name without my consent and my credit and phone was stolen. someone hacked into my account and fraudulent open loans without my permission and I had {$7000.00} cash was also stolen and I file a dispute about the incident and the claim was denied. This is a very serious matter I have been with navy federal for 5 years and never been treated this way. Now a representative told me my account was being closed down. This company is a scam XXXX for all the years and respect I had with them. I was also planing to purchase my first home with them now I have to look else where.
Product: Credit reporting or other personal consumer reports

Accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open consumer credit for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, natural person, and the original creditor of an open-end credit plan, have late payments reporting to my credit report that isn't supposed to be there from SELF FINANCIAL, INC. d/b/a XXXX XXXX. SELF FINANCIAL , INC. claimed to have submitted a deletion of all late payments to the credit reporting agencies, but the late payments are still reporting to my credit report. In their response to CFPB complaint case number XXXX, SELF FINANCIAL , INC. stated that their " reporting was investigated and determined to be accurate. '' I have reason to believe that this is false and misleading information. SELF FINANCIAL , INC. also stated that " the Self Secured Credit Card was reported late as of 30 days past due for XX/XX/XXXX and XX/XX/XXXX and 60 days past due for XX/XX/XXXX. '' These are false and misleading statements that are referred to as billing errors. I was in fact not late nor past due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. SELF FINANCIAL , INC. also stated that they've " sent emails advising me that if my account went 30+ days past due that it would be reported to the credit agencies as a late payment. '' I've never received such emails. The statement '' if your account went 30+ days past due it would be reported to the credit reporting agencies as a late payment '' is abusive, obscene, and threatening language to me and is a violation of Credit Practices 110.220 ( d ), ( g ). I am aware that not excluding transactions from my consumer report between me, the consumer, and the creditor is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). I am also aware that pursuant to 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. SELF FINANCIAL , INC. has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. It is my belief that SELF FINANCIAL, INC. has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. As defined in Title 18 U.S. Code 1961, knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividends were an invoice for services provided by SELF FINANCIAL , INC., which is embezzlement, theft by deception and extortion. Extortion, dealing in an obscene manner, and theft by deception all constitute XXXX XXXX. If found guilty, XXXX XXXX carries a criminal penalty of 20 years to life in prison.
Product: Credit reporting, credit repair services, or other personal consumer reports

I regret to say I have not enjoyed being a customer of Ditech. They keep reporting me 30 days late. Im not the only one on this mortgage. My credit is reporting being 30 days late twice. Instead of the company updating the month of XXXX, they placed not reporting. I am taking care of XXXX children all by myself and worked hard to move into a house but not like this. I keep getting letters on the door and two days ago I received a face to face letter. Why does this company keep harassing? Please assist me. I have a baby in a oxygen tank and dealing with so much stress and getting harassed about a mortgage payment is something Im not prepared to deal with. They provided insurance and charged me over 1,200 last month. Is that money going to be credited back to my XXXX mortgage?
Product: Credit card

In early XXXX, I submitted a payment to Citibank NA. The law states that payments should be applied to the highest interest rate balance of the credit card As priority. 
Instead, they applied the payment to a term loan with a very low interest rate. Over the last four months I have been trying to have them correct their mistake and they continue to tell me that theyre working on it. Its not been four additional billing cycles and they have not taken care of this issue. I continue to be given the runaround by different managers and different folks in their call center.
Product: Checking or savings account

This bank is confusing and rude discriminating me against opening an account with them i inquired and no one got back to me this is unfair how they conduct business
Product: Debt collection

The following company " SENTRY CREDIT does not have any authorization to report any information into my credit profile. I do not have any financial or contractual obligations with above mentioned company. Therefore, any inserts into my credit profile are considered fraudulent and unauthorized.
Product: Bank account or service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, IL XXXX ( XXXX ) XXXX On or about XXXX XXXX, I received a structured settlement of approximately {$500000.00} On or about XXXX XXXX, XXXX, I opened XXXX checking and a savings account at First Merit Bank. I opened the account at the First Merit branch location located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Initially I put {$140000.00} and withdrew {$55000.00} leaving a balance of {$90000.00} in Account # XXXX XXXX XXXX. See attached Statement dated XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
I continued to make various deposits until XXXX XXXX. I believe I put in {$70000.00} additionally over the course of the years. In total, {$160000.00} was stolen from my account and is unaccounted for. 
In XXXX XXXX, XXXX, the teller, indicated that someone had closed my account without my consent. XXXX XXXX, Assistant Manager, asked if he could invest my money. I said no. I witnessed another customer crying because someone had taken {$20000.00} out of his account. XXXX indicated that he would investigate. He told me the investigation would take 3 months. I never heard back from him. But XXXX, surname unknown, a teller, later reported to me that XXXX bought a house in Florida and left the same week that my money went missing. XXXX reported that I was not the only customer whose money went missing. 
Over the years I have been complaining to employees at First Merit Bank. In XXXX XXXX, I complained to a person who said her name was XXXX surname unknown who indicated she was the Vice President of First Merit. She indicated that she would investigate. In XXXX XXXX, I went to First Merit, XXXX XXXX, Senior Client Champion, indicated that no one investigated my concerns over the years. 
I would like my {$160000.00} returned, and these allegations investigated. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my paycheck was direct deposited into my chime account like usual. I went to bed got up for work at XXXX. The morning carried on like usual until I got a text from XXXX saying insufficient funds for a ride in XXXX. I thought o no that's not right so I went straight to my bank account but I was already too late they made multiple transactions through out the night some were merchant purchases but the large sum of money was stolen internally. They made a chime account then went into my account and transferred them selves my money using chime to chime. The names of the two people are XXXXXXXX XXXX  and XXXX XXXX Ive never heard their names before nothing about them whatsoever. Chime says the transactions came from my phone which is absolutely impossible and I'll tell you why directly. Ive disputed this going on 8 times with these people ive done everything they asked me to ive filled a police report case XXXX XXXX Ive written a statement and i even went above and beyond to att to get documentation of when my prior phone the one that was supposedly used to XXXX myself XXXX The documentation states that phone has been off nearly a year because I switched carriers. I thought for sure this would clear me but no. They absolutely refuse to give me my money back. I even provided my work logs for that day that are federal and absolutely no way can be manipulated on top of that a camera is on me all day. Ive also contacted their parent bank Stride with same results and as usual not allowed to talk to anyone and have to handle everything through email. In the documents you will find all the numbers you need.
Product: Checking or savings account

XXXX not only closed my account without any notification, despite having just a single {$200.00} dispute but also withdrew over {$20000.00} from my direct debit card on XX/XX/XXXX without prior notice ( see attached ). Currently, nearly {$20000.00} is being held, preventing us from paying our contractors and employees, which is severely disrupting our business operations. This is unacceptable, and I demand the immediate release of all funds. 

When I reached out to customer service, they couldn't even provide a breakdown of the funds being held. 

Given our ongoing relationships with customers, we could recover the money by asking the customers to dispute EVERY TRANSACTION and then we recollect from them, but XXXX would then face XXXX disputes from customers. To avoid this risk, I urge XXXX to respond promptly with a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recurring dispute of medical collection item, XXXX XXXX on behalf of XXXX XXXX. In XX/XX/2023, I mailed a request for verification of debt. Neither company responded. As a result, I submitted a CFPB complaint in XX/XX/2023 which the company has yet to provide verification. The problem arises, because I have also disputed this bogus account with all ( 3 ) credit reporting agencies, and somehow the credit reporting agencies and XXXX are validating the debt. I don't understand how the debt is being validated when it is approaching ( 4 ) months of no response to my validation request. This is a blatant violation of consumer rights. XXXX, Transunion, and XXXX- should not be accepting validation of this debt. I want this account removed. I have attached a timeline record.