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

I want to leave a formal complaint for the unnecessary and disrespectful treatment I received by two Chase agents. The situation happened as follows : on XX/XX/XXXX, I deposited a cashier check given to me by XXXX XXXXXXXX XXXX following the maturity of a CD account I had with that bank. On Wednesday XX/XX/XXXX at XXXX XXXX, I called Chase to see if they could speed up the deposit process into my account. After almost 25 minutes of waiting on call with a customer service agent, I was informed that XXXX XXXXXXXX XXXX  did not authorize the check I deposited, and therefore made my account locked with no possibility of withdrawing, payments or any other transaction. The agent informed me that I had deposited a fraudulent check and that in a few days my account will be closed indefinitely and that Chase does not want any business with me. I told her that I had documents proving that the transaction was authorized. The agent told me that she could not say anything else and hung up the call. 

On XX/XX/XXXX, I went to my local Chase branch in XXXXXXXX XXXX, they took a copy of the stub check and I told them my case. The agent called the Chase line and after waiting she told me that my account was locked and under investigation for fraud. She also told me that my account would be canceled. She told me she could not do anything to help me. 

Friday XX/XX/XXXX, I called Chase again for 2 hours where they finally told me that XXXX XXXXXXXX XXXX had authorized my check but that my account remained under investigation. This has caused me a lot of distress because of the mismanagement of my funds. The worst thing is that I was treated like a criminal trying to commit fraud despite my legal proof to authenticate the transaction. 

My account was restricted and my funds were available until Tuesday XX/XX/XXXX, it was 12 days after the check was deposited. I had an investment scheduled with XXXX XXXX that was canceled because the funds were not transferred. I request that Chase Bank be held accountable for the lost profitability.
Product: Credit reporting or other personal consumer reports

I have sent letters to all 3 consumer credit agencies XXXX, XXXX and Experian letting them know that the information that they have on my credit profile is inaccurate and they are reporting the wrong information. According to the 15 usc 1681b i did not give then permission. Also my nonpublic personal information.According to15 usc 1681s-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint again to you today to inform you I was the victim of identity theft. This is my follow-up complaint prior to my previous attempt dated XX/XX/. 

The accounts I am challenging are erroneous and misleading. I need those accounts removed ASAP. 


Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX .... Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Mortgage

I filed Bankruptcy in XXXX of 2014 which excluded my home and truck : XXXX were exempt and it states it on the Court documents. My mortgage company, Caliber Home Loans, has listed my house on Bankruptcy status since that date for which it was exempt but I just found this out recently and the mortgage co. informed all the credit bureaus also that it, my home, was in Bankruptcy status also, which I have a recent letter from them stating they informed them, so when I was getting credit help they stated that prior reporting was accurate and the request to remove anything they were unable to do. 
I went to get preapproved for a home loan and the Loan Officer told me that it was under Bankruptcy so I would not be able to get a loan for 7 years. 
I have been in contact with my mortgage co. and they know it is exempt but will not remove the status and I have been shuffled from person to person. My credit is bad enough without this but not as bad without this on it. I want it to be taken off my credit reports, all XXXX, and reflect that it was knowingly put on the credit report information that was not correct. 
information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX and EQUIFAX are reporting incorrect information for a XXXX account. Account name, number, balances and payments are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three ( 3 ) written requests, the unverified and FRAUDULENT items remain on my credit report in violation of Federal Law. I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report 3. Asked for Validation of the account with my original Signature as I did not sign for this loan.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately. Attached are the proof ( s ) of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian still reporting a past due balance on my credit report. It is against violations to continue to report a past due balance on a charge-off debt. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information XXXX XXXXXXXX XXXX XXXX & XXXXXXXX XXXX  XXXX are still reporting inaccurate after your investigation multiple times.
Product: Credit reporting or other personal consumer reports

I called TransUnion and spoke with a credit specialist and was advised to mail everything to the XXXX XXXX, PA location because XXXX address will not pick up or will just forward and things will get lost. I was advised on the phone that my report was false and fraud was made by selling information and created a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have reached out to Experian multiple times for a resolution for two collection items on my credit report. Each time they have not removed them as requested. They are only taking the creditors word. Now they wont even allow me to submit anymore disputes. How can they take away my rights to dispute inaccurate information on my credit report that is affecting my life. *I attached proof that they wont let me dispute these anymore* XXXX XXXX XXXX XXXX- {$8200.00} XXXX I was affected by XXXX. My state was on lockdown. I called and notified the school I couldnt get the letter notarized because no place including the courthouse or library was opened. They sent my already paid Financial aid back to the department of education. Please remove this as I am not responsible for this balance. 

XXXX XXXX XXXX XXXX XXXX {$840.00} - I want this removed. They are reporting inaccurate information and the balance is not correct. They also charged off and closed the account. Please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX XXXX GM Financial - 2 applications on same day! 
XXXX XXXX XXXX XXXX XXXX XXXX is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX XXXX XXXX
Product: Mortgage

As 5 decade members of NFCU and seniors with a VA XXXX, NFCU failed to give us a fair processing of our mortgage application. 
The loan was approved by the credit review team on XX/XX/XXXX with a XXXX XXXX and DTI well within VA guidelines. I was told that the everything looked good and the target closing was on XX/XX/XXXX. On XX/XX/XXXX we got an urgent call for payment of the appraisal fee and an appraiser would call within 5 days. No appraiser ever called. 
At XXXX XXXX  on XXXX XXXX we received an email ( attached with auto replies ) stating our application was terminated after a Credit Review Team meeting. When I replied within minutes both to her  and her supervisor were returned reading they were out of the office from the day before their email until XXXX. Businesses don't send an email like this on XXXX XXXX unless they are vindictive. 
The follow on denial letter received in XXXX merely was a checkbox for DTI and prior credit history, contradicting what I had been told previously. Most importantly, at no time during this whole 45 day process did anyone at NFCU raise any concerns, ask for clarifications, propose any options. 
I also received no immediate credit for appraisal fee as promised and I had to file a claim with the credit card company. 
This leads us to believe that we were denied due to a late year change in policy about senior members on VA XXXX having mortgages with NFCU or we were deliberately strung along as retribution for a bankruptcy filing nearly 10 years ago. 
An subsequent application on XX/XX/XXXX to XXXX just closed, was approved and well within DTI limits which confirmed our suspicions of NFCU bias against seniors or us personally. Our loss was 3 months of interest / PMI payment savings totaling {$1000.00} plus unneeded stress and humiliation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX several inquiries were done on my credit report from various financing companies for the purpose of an online vehicle purchase. These inquiries were done without my consent and were a result of an identity theft. One of the inquiries was done by Ally financial. On XX/XX/XXXX I received a call from a representative that asure me the hard inquiry would be removed, but it hasn't.
Product: Credit card

I paid the remainder balance and keep getting phone calls telling me there are more fraudulent charges so I have to go through their process where they issue me a new card which ends up with more fraudulent charges And they say the account will get closed but I just have to go through this process but the card/account never gets closed down and the card just gets more fraudulent charges. After I paid the balance on XX/XX/year> and did there process over the phone with their specialist to get card closed theres now fraudulent charges amounting to like {$2000.00}. Im at my Witts end I cant get the account closed talking to them I just get more fraudulent charges and new cards issued to me. Help please!
Product: Checking or savings account

Sent emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no response received. Need someone to contact me as Bank of America was " hacked '' in XX/XX/XXXX and Hackers got names, addresses, Social Security numbers, DOBs, account and credit card numbers from BofA vendor XXXX XXXX XXXX. 

I have requested information on how our sensitive private information will be protected as I have been compromised in the past by the lack of a company 's failure to better protect sensitive information, yet to date all my requests have been ignored. As a Bank of America customer, I was never notified of this breach as I have just found out about it. Bank of America is careless as they do not have better systems as they are greedy and insensitive to customer 's needs. I contacted the following email addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I sent a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX Indiana inquiring was it their method of reporting bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Checking or savings account

XXXX closed all 3 bank accounts and 2 credit cards without an explanation
Product: Debt collection

Debt collector had not validated the debt by law by a ( wet ink ) contract and had since XX/XX/2019 to produce one when disputed through al three credit bureaus. The debt collector is in violation of both the Fair Credit Reporting Act and Fair Debt Collection Practices Act by not submitting the porepr documentation that is the original signed ( wet ink ) contract in 30 days.The debt collector is sueing and there attorney failed to produce a valid contract and stated in pretrial that the company did not have one. The company is damaging my credit by reporting the invalid debt to all three credit agenices.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX account number XXXX. 
XXXX XXXX XXXX account number XXXX. 
XXXX XXXX Solutions account number XXXX. 
XXXX  account number XXXX. 
Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I notified XXXX XXXX about them inaccuratley reporting a 30 day late payment on my XXXX Credit Report. At the same time I reported the dispute to XXXX. XXXX notified me the resolution had been posted. When I checked, they reported me late in XXXX, rather than removing the 30 day late in XXXX. The XXXX payment was not even due. I then disputed it again with XXXX. On XX/XX/2023 they notified me that the dispute was reolved. They removed the late payment in XXXX, but failed to remove the intial late payment in XXXX have yet to receive a response or evidence showing the late payment in XXXX as of XX/XX/2023, which has been several days beyond the intial 30 days I requested the dispute to be settled in.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute against Experian and XXXX for failing to properly investigate and validate my disputes regarding inaccurate information on my credit reports. Despite my written requests for validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, XXXX XXXX XXXX did not provide the necessary documentation. Furthermore, Experian, XXXX, and XXXX have continued to report these unvalidated accounts, causing significant harm to my credit score and financial standing. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take appropriate action to ensure that my rights are protected, and the inaccuracies are corrected.
Product: Money transfer, virtual currency, or money service

In the course of working with various businesses, I have engaged in transactions where the companies involved provided legitimate proof of their credibility and operations. In the past, I have utilized Zelle as a payment method based on this verification. However, on one occasion, despite receiving such proof, I was unfortunately scammed. At the time, there were no clear warning signs indicating the transaction might be fraudulent, and the business failed to disclose potential risks. As a result, I lost the funds transferred. This experience highlighted the importance of remaining vigilant and seeking additional safeguards, even when working with businesses that appear legitimate at first glance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing since ( XX/XX/19 ) till Now. Every time i disute these account and ask for validation i never get the correct response or proof. 
( XXXX XXXX ) XXXX I have submitted XXXX to XXXX nothing has taking place. 
( XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX Also submitted proof and fix the inaccurate that my report has. 
( XXXX XXXX XXXX ) also disputing inaccurate in Uniform alignments. 
( XXXXXXXX XXXX XXXX XXXX ) Wrong Dates ( XXXX ) Also disputed and nothing happen only updated accounts with no proof. 
( XXXX XXXX XXXX ) Account Charged Off and reporting balances wrong dates ( XXXX XXXX XXXX  ) Account Charged Off also reporting wrong dates, balances and payment history. 

All Three Credit Bureaus update account but dont show proof of account and reporting in accurate on credit report.
Product: Debt collection

I was contacted on XXXX by XXXX XXXX XXXX by XXXX XXXX They advised on voicemail that I was being served/sued over. They contacted XXXX family members advising the same that I was being sued/served, disclosed my name, social security number, and date of birth. The company told these people that they were listed as references which is a absolute lie. I spoke to XXXX XXXX He told me what it was finally in regards to. An old credit card debt I paid and I advised that it was paid years ago. They would not release their address or fax to send proof of payment and paid in full letter from 2018 as well as a cease and desist. Almost 5 years ago and I am still be contacted in this threatening manner. When I advised I paid, I advised what company, the amount, when it was paid etc. He said if he needed anything they would call back.never heard a thing more. Here we are today XXXX. A different company is leaving threatening messages/robo calls about suing me. I believe XXXX XXXX hard to tell on the machine. I called back and left a message. But I am absolutely over being constantly harassed over a paid bill. Its been almost 5 years and I am still regularly being harassed over this.
Product: Student loan

I have XXXX separate loans through Sallie Mae since the year XXXX in attempts to get through tuition costs at my University. I have since graduated from my University with a XXXX and currently have a full time job. For a year after graduating ( in XXXX XXXX ) I was on a " graduate repayment plan '' which caused my payments to be lower and affordable. This XXXX my loan repayments have gone up to $ XXXX/month which I have called multiple ( 10+ ) times in attempts to get lowered as I currently do not make enough at my full time job to afford that much in student loans as well as all of my other bills. The people at Sallie Mae have given me and my cosigners the run around every time we call. I have even tried to explain my income and expenses and my cosigners tried to explain why they were unable to help me, but they did n't care. They 've been hassling myself and my cosigners with 3-6+ calls a day even though I paid {$220.00} out of the {$380.00} on my loans which is all I can afford. Their only " options '' for me are to either put my loans in forbearance which will put me right back in the same situation I am in now just a year later, or for my cosigners to pay what I can not to make my monthly payments be the entire amount. Regardless of the fact my cosigners are unable to help with the amount Sallie Mae is asking and should n't have to as I can make payments as long as the amount is lowered. I 'm willing to pay less for longer ( which ultimately results in higher interest payments from me, but it 's what I need to do at the moment ) and they said that was unacceptable and I did n't have an option in not paying the total amount they were asking unless I took forbearance. I 'm not trying to skip out on my payments, as I 'm currently still paying what I can and up until the payments got raised I was making every payment in full on time every month. But they refuse to work with me so I can have lower affordable payments and as a result, myself and my cosigners are getting harassed, I 'm getting threatened with collections and delinquency and the possibility of ruining not only my credit but the credit of my cosigners.
Product: Debt collection

The creditor has claimed on my credit report that they are the original creditor. If that is the case then its not my debt. I never did business with them. I tried to dispute it on my XXXX  and XXXX report but nothing changed. Im not able to verify the debt because of the false representation of the creditor.
Product: Debt collection

I am that I am. I XXXX now coming by the name that my mother granted me when I was born. Im not a legal entity, but I am a living man and authorized representative of XXXX XXXX, the trust. HARRIS & HARRIS, in violation of 15 USC 1692, has attempted to contact my persons twice now via text message without written authorization and without sending any notice in writing. I do not know, understand, or consent to any representative of HARRIS & HARRIS contacting me by any means except for in writing per Federal Law. I do not understand, know, or consent to them illegally obtaining my persons phone number and harassing them. This is deceptive and harassment. No information regarding what this is nor my persons rights have been communicated in accordance to Federal law. I do not understand. I do not agree. I do not consent. I looked up this company and they recently lost a multi-million dollar lawsuit for engaging in deceptive practices. I hereby include notice to cease and desist and to no trespass in the event that any party has no private right to the federal formal written titles 28 USC 3002 ( 1 ) ( A ) ( B ) ; 31 USC 3718 ; and 18 USC 8. 

By : XXXX ; XXXX XXXX XXXX