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

I started having an issue with logging into my account on line with Chase.com. The system requires a secondary verifiction code that I have been receiving via my home phone for MONTHS. Approximately 3 weeks ago I was no longer receiving these calls so I called Chase Technical support and was told that my phone company was blocking the number. So I called my phone company and they verified that there were no numbers blocked. I then called Chase at least 3 more times and was once told that now I was only to receive text messages but made the correction and I should now receive the calls. Well the problem did not go away and I was told again that my phone company is blocking the number. After another call to Chase they finally created a ticket to research the issue. I received a phone call after 5 days days and was told that my line was a VOIP and not a land line and was being blocked. I then called XXXX and was told that my phone was a land line and not cellular or anything else. They also never heard of the issue and they receive calls from their bank on these lines. So I have spent a considerable amount of time trying to get this resolved and was LIED TO numerous times about what is causing this issue. When I asked about receiving the calls for MONTHS they replied that it was a glitch in their system that allowed the calls to go through and now they block them. One day the calls go through and the next they are blocked. They said that they do not consider VOIP line secure to which I replied that are they less secure than cell phone that can easily be hacked. First, I should not have had to spend this amount of time to try and fix a simple issue in addition to being LIED To numerous times. Secondly, if this is not resolved I will consider changing banks after being with Chase for over XXXX years.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXXXXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXXXXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX  Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

Urgent : Unexplained Closure of Marcus ' Account and Lack of Communication Regarding Fund Return Details : I have been using Marcus since XXXX and as of XX/XX/XXXX, I have a total of {$72000.00} in that account including a savings account of {$5000.00} and a CD account of ~ {$67000.00}. A couple of days ago, I selected the option to close the CD account when it mature this month and selected the option to transfer funds from my CD account to the savings account with Marcus. 

On the morning of XX/XX/XXXX, I noticed that my Marcus account was locked after trying to log in with my correct password. So on the morning of XX/XX/XXXX, I called the phone number provided on the Marcus website to try to unlock my account. After getting transferred to an account closure specialist, I was informed that my account was closed for some business reason and that they were unable to provide any explanations or notifications. I asked the specialist to connect me with her supervisor and I got connected with that supervisor. On the phone, that supervisor told me my savings account was " to be closed '' and the fund would be returned to either my original bank account or through mail. 

During our conversation, I asked her to provide the reason for account closure, and she said no reason. I asked her to inform me of the timeline of account closure given she mentioned the account is " to be closed '' ( i.e. when the account will be closed ) and she said no information on that. I asked her to unlock my account if it was not closed as of now, and she said she could not do that. I asked her whether the funds would be returned via online transfer or mail, but she could not provide any information on that. I asked her when my fund would be turned in via online transfer or mail after the account closed, and she could not provide any information. I asked her for formal communication via email listing out the timeline and way of the fund return, but she told me nobody in the firm could help me with that. 

Here are the major problems : 1 ) No notification / official emails in regards to the account closure, 2 ) No timeline and way of fund returning was provided ( i.e. I don't know when I will get my money back and where I am getting my money back ) and I am not sure when I can get my money back and how Impact / Concerns from the problems : 1 ) Liquidity : I have some travel plans and family matters in the upcoming month and need liquidity from this account to pay for those events ; 2 ) Security : I am not aware of where is my money and have no access to them. And Goldman Sachs refused to provide any details or timeline or method to solve the problem, which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM IN THE XXXX. XXXX  XXXX  me. I can not get a Mortgage to buy a condo. 

These the the copies from Equifax credit report : Credit Report Alerts Equifax Credit Report SSN Scanning ID Theft Insurance ALERT TYPE COMPANY BUREAU DATE Updated tradeline XXXX Equifax XX/XX/XXXX Updated tradeline XXXX   Equifax XX/XX/XXXX Updated tradeline XXXX  Equifax XX/XX/XXXX Updated tradeline XXXX  Equifax XX/XX/XXXX I paid my dues, I have no accounts with XXXX XXXX XXXX Credit Card , I called 6 weeks ago asking them to STOP the reporting since my account is closed and I do not do business with them. They XXXX me again and agagin. 

I applied for a mortgage and got Denied because XXXX from XXXX would not stop sending report to Equifax. 

My credit has been damaged and my mortage denied due to XXXX ( from XX/XX/XXXX- XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with experian. all information is not 100 % accurate on all 3 credit reports. please review an remove the invalid data to help clear my file.
Product: Credit reporting or other personal consumer reports

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for 'verification ' or proof of my mailing address, but a request for 'VALIDATION ' made pursuant to the above named Title and Section. I respectfully request that your office provide me with factual evidence that I have any legal obligation to pay you. 
Please provide me with the following : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license number and Registered Agent. 


If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, Experian or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate to bring legal action against you for the following : -Violation of the Fair Credit Reporting Act -Violation of the Fair Debt Collection Practices Act -Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Kind regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have been using my credit report improperly 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several late payments reporting on my consumer report. I have attempted to resolve this matter several times. The late payments are still reporting as of XXXX.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX # XXXX date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX # XXXX Date : XX/XX/XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN XXXX  YEARS 15 U.S.C. 1681S-2 ( A ) ( XXXX ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED 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

I am writing to bring to your attention a concerning issue with my recent transaction. On XXXX, I made a purchase of {$330.00}, which was split into XXXX parts : {$250.00} as a security deposit and {$81.00} for an extension of XXXX week with XXXX XXXX. The transaction was approved, and I received a notification from Chase. However, two weeks later, my debit card was charged again for the same transaction, resulting in a double charge. 
Despite receiving alerts for each transaction, the duplicate charge does not appear on my app portal, transaction history, or paper statement. This has led to a negative account balance of $ XXXX, with excessive fees. I have experienced similar issues in the past, and I would appreciate your assistance in resolving this matter and ensuring that my account is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all inaccurate accounts on my credit report with the bureaus on XX/XX/2020 and still have not received any response from neither credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX notified me that I had a new inquiry on my credit from AMEX on XX/XX/2024. I called AMEX ( as I have not account with them ) and they confirmed the credit inquiry ( through XXXX ) and located the fradulent account. They could not validate next steps. I have a XXXX temporary flag on my credit report and do not understand how XXXX allowed this inquiry without confirming my identity with me.
Product: Debt collection

I had a credit card with XXXX XXXX. I am going through hardship and need some help from XXXX XXXX. I contacted them several times asking for help, and was told I didn't qualify for assistance. I then received a letter from XXXX XXXX on XX/XX/2023 that my account was turned over to a collection agency, XXXX XXXX XXXX. They gave me their contact information, I wrote a letter to XXXX XXXX on XX/XX/XXXX asking for help and asked that they contact me via mail, not phone or email. 
On XX/XX/XXXX, I got a collection letter in the mail dated XX/XX/XXXX from a company called Guestel Law Firm stating they were representing XXXX XXXX. I was very confused and assumed this was a scam. They gave me an email address so I wrote them an email on that same day ( XX/XX/XXXX ) explaining my concerns that XXXX XXXX told me I was working with XXXX XXXX XXXX, not with them. I asked for clarification on who I was to work with on this matter. I never heard from them again, so, I assumed I was correct that it was fraudulent activity as they were never mentioned by XXXX XXXX. Then, last night around XXXX, I answered my door and was served a summons that I was being sued for a debt I owe to XXXX XXXX, filed in XXXX XXXX MN. 
I never got clarification on who was handling the account. XXXX XXXX never XXXX time mentioned this law firm, and they never bothered to reply to my email. So I was waiting to hear back from XXXX XXXX. Now, I have a summons even though I clearly stated in my email that I was confused and needed clarification. How can this be legal? I was never told that my account was going to be sued. 
I have always paid my bills on time. I do not want to be in this situation, but I am. And I can't do anything about my financial situation at the moment.
Product: Debt collection

I have this is the third time I have complained about XXXX XXXX XXXX XXXX # XXXX, THEY HAVE NOT SENT ME ANY DOCUMENTATION OTHER THAN A STATEMENT WITHOUT ANY SIGNATURE OR CONTRACT BARING MY NAME. THIS IS MY NOTICE OF INTENT TO FILE LAW SUIT. 
THE SAME AS CASE " XXXX XXXX XXXX XXXX V.S XXXX XXXX ( 2014 ) NO. XXXX. I DO NOT WISH TO DO ANY BUSINESS WITH XXXX XXXX XXXX XXXX. THEY ARE.. what is known as a debt collector and debt buyer. Debt buyers are a type of debt collector who do not lend money or issue credit cards, but who instead purchase defaulted consumer accounts in order to collect and file lawsuits on them. They have no documentation to prove that they owe the debts. Regardless of what documentation they have, the must still comply with the federal Fair Debt Collection Practices Act, they have not.
Product: Mortgage

Bank of America approved a short sale, which did not sell. The next course of action is a Deed-In-Lieu, but Bank of America will not return nor answer any of my calls, leaving me facing a pending foreclosure.
Product: Debt collection

I got a medical bill unpaid notice from PIF debt collectors in Arizona that was dated for a service they claim was two years ago. I've never seen this bill. I responded and asked for all the information about this bill, date of service, service provided, dates the bill was filed and denied by my insurance. They immediatly reported me to the credit bureau. I had one letter from them only. It was dated in XXXX that I received in XX/XX/year>. I could lose my job over this. Why wasn't I billed from the provider? Why didn't PIF give me this information? The services they are talking about were almost two years ago. They waited to send me a notice to get cash so I couldn't submit a claim to my insurance? Is this a scam? Fraud? Illegal? Any bills I have had my insurance has paid. I sent PIF a copy of letter that said I was insured. They won't remove the credit report for this medical bill that they can't give me information on. I have all the emails and can send copies.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. F 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS, XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries product of Identity Theft. I have and extended fraud alert and multiple police reports on file. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them XXXX for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have XXXX documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.
Product: Checking or savings account

On XX/XX/22 I went into my credit union Navy Federal & was told deposit will be available on XX/XX/22 funds sat in my account until XX/XX/22 Ive contacted Navy Federal this is bank negligence, bank competence, discrimination against me because Im XXXX money held in my account been high amounts since Ive joined XX/XX/22 with them. Thus is a legit valid US Treasury Check. Bank gave me a number to call on a letter by mail dated XX/XX/22 & on XXXX of my complaints y'all closed out without verifying this matter. Its caused me to be unable to pay my bills & receive my funds from my Business Taxes for the 2021 year. Ive submitted proof of providing documents on the check. US Treasury can verify check cleared and states paid in their system on XX/XX/22. Navy Federal gave this number on a complaint I filed with yall on XX/XX/22 XXXX, it is not a valid number. Thus needs high level investigation I need my funds out my personal account ending in XXXX, & business account bank has yet to reviewed my money which I deposit way from XX/XX/22. Totaling XXXX in account ending in XXXX. US Treasury trued to contact bank at all numbers given none work to give me a number not working shows yall their the ones lying and trying to steal. I have meeting with a news reporter and will let them see these facts. US Treasury XXXX XXXX  ( XXXX ) XXXX behind IRS Business Refund with guaranteed funds of XXXX valid checks. I busted IRS XXXX XXXXXXXX on XX/XX/22 I will upload documents on XX/XX/22 XXXX XXXX restricted me access from my funds out my personal account. I need my money immediately this matter has dragged on far too long. Next level is a lawyer as Ive written White House congressman is sending in a complaint with supporting docs XXXX XXXXXXXX on my behalf as they too know its my check and its from the IRS XXXX XXXX business taxes at ( XXXX ) XXXX or ( XXXX ) XXXX. I have XXXX children this matter no bank has any right to without customer funds ever especially not a month today is XX/XX/22 thus occurred on XX/XX/22. Thus bank is not following their NCUA regulations
Product: Debt collection

MIDLAND CREDIT MANAGEMENT - Account is not mine. No knowledge of it, no legal obligation for it and no information as to its origin. Please check not untimely, incomplete and inaccurate.
Product: Mortgage

I am trying to modify the loan on my grandmothers home which I am the executor of the estate. I have not received any answers regarding the mortgage loan on my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and mailed letters to Experian to have inaccuracte items removed from my credit file. 
I have also filed multiple FTC fraud reports as instructed by Experian all for the inaccurate information to remain. I have even sent paperwork with XXXX people with the same name as i have to emphasize the importance of the inaccurate information to be removed from my credit file. 
To date they still report inaccurate infromation and even sent letters asking for information that I actually sent them and even faxed them. 
Lastly they have even claimed to not have records of certified mail that I have proof was delivered. 

My current credit report dated XX/XX/XXXX still is reporting inaccurate information concerning my address. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is my address and ALL OTHER ADDRESSES are incorrect. They claim they are tied to accounts on my report without providing me proof. An address that my sister lived is on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting that I have never used. 

There multiple inquiries : XXXX XXXX XXXX XXXXXXXX XXXX which I never gave permissible or any other permission to access my credit file and there is no open account tied to this creditor on my report. I believe this is a metro2 violation XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/2022 which I never gave permissible or any other permission to access my credit file and there is no open account tied to this creditor on my report. I believe this is a metro2 XXXX XXXX XXXX XXXX XXXX XXXX which I never gave permissible or any other permission to access my credit file and there is no open account tied to this creditor on my report. I believe this is a metro2 violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and XXXX XXXX is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.