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

I believe a check was stolen, forged, signed and cashed by a XXXX XXXX even though it was made out to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is not known to me or to XXXX XXXX XXXX who the check was made out to. Despite the very obvious signature flaws, this check was inappropriately cashed by the XXXX  XXXX XXXX. 

A check, issued a check from my Chase checking account in the amount of {$2900.00} that was returned to me as having been cashed. However I was informed by the payee XXXX XXXX XXXX XXXX XXXX that the check was never received. 

The returned check had an endorsement signature on it that clearly was mine. The name XXXX XXXX was handwritten on the front of the check above my name. 

I immediately called the Chase Bank who told me the check had been cashed. They added that they would investigate and that I should give the payee ( XXXX XXXX XXXX ) some time to see if it turns up. 

On XX/XX/2023 I went into Chase to speak directly to a manager who gave me the appropriate forms to fill out and send ( Declaration of unauthorized endorsement or altered item ). 

On XX/XX/2023 I received a letter from Chase stating that bank that accepted my check was responsible for repayment but that they would make an attempt to recover my lost funds that may take 90 days or more to resolve. 

On XX/XX/2023 I received a letter from Chase saying that they hadnt received a response from the depositing bank and that that bank was responsible for the claim. They added that if they hadnt heard from the depositing bank in 90 days from my claim submission, they will close the claim and my funds will not be recovered. I wasnt given the name of the depositing bank. 

On XX/XX/2023 I returned to the Chase bank and spoke to the manager who initially helped me. He called an internal number and found out that : h the depositing bank was XXXX XXXX XXXX ; that Chase made one attempt to contact them with no return response, and a recent second attempt on XX/XX/2023. They suggested that I contact your government office of consumer finance, hence this application. 

HELPFUL INFORMATION Chase Declaration of Unauthorized Endorsement reference number : # XXXX Chase contact number : XXXX Original check : chech no. XXXX, check date XXXX/XXXX/XXXX, amount {$2900.00}, payable to XXXX XXXX XXXX XXXX XXXX. 
Check cashed at XXXX XXXXXXXX XXXX ( I do not know the address ).
Product: Mortgage

I received my XXXX 2017 mortgage statement and it stated i had missed my XXXX 2017 payment. i checked my online banking record and the payment was marked as paid on XXXX XXXX 2017. I called my mortgage company and i was told to send proof. I sent the copy of the on line banking check and a copy of my bank statement verifying the funds where paid out to the Penny Mac Mortgage company on XXXX XXXX 2017.. I received a call 3 days later and was told that there was no " stamp '' on the back of the cashed check that could prove that they deposited it in there XXXX XXXX XXXX account. I was told that i must pay or my credit would suffer. i asked if they could at least try to find the deposit into there XXXX XXXX XXXXXXXX account and i was told no. Now my credit is being marked derogatory and i must pay my mortgage payment again. I was just hoping someone could help me convince Penny Mac to start an investigation into where the payment was cashed to. Even though i gave them all the proof from my bank that it was cashed they said they could n't of received it because they would have had to have stamped the back as " for deposit to XXXX XXXX XXXXXXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  XXXX .... 
Balance : {$130.00} ; XXXX  XXXX .... XXXX : {$85000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX was reported as deceased as of XX/XX/2023 by Genesis Financial. Trying to get help from them has been beyond ridiculous and now creditors are sending estate letters via postal mail. I was verified as having no XXXX score anymore due to deceased status. My whole life literally has been wrecked! The girl stated my death was confirmed but it was not confirmed as I am alive and gave no death certificate ir obituary. I need help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing all credit reports ; A closed checking account with TrustMark Bank with a charge off balance of {$1200.00} on XX/XX/17 appeared. THE ADDRESS ASSOCIATED WITH THE ACCOUNT REPORTED IS INCORRECT. The local branch in my area was made aware of these XXXXalse/ Fraud charges when I was initially made aware of this. Explained to a teller that I didn't have that type of money in my account at the time for that to be possible. I also did NOT give permission for any merchant to charge that account for {$1200.00}. The Teller stated there was nothing she could do and the fraud charge or balance of {$1200.00} was my fault. I did state I wanted the account closed and the balance removed due to Fraud ; an investigation was supposed to take place but its still on my report and preventing me from opening an account with my employers credit union.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Bankruptcy Reporting I am writing to formally dispute the reporting of a bankruptcy on my credit report, which I believe is inaccurate. The bankruptcy in question is listed under [ XXXX ]. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccuracies in my credit report. It is my understanding that you are required to conduct a reasonable investigation into disputes and to provide me with documentation of the investigation steps taken. To date, I have not received any such documentation, which I believe is a violation of my rights under the FCRA.

Furthermore, FCRA 1681i ( a ) ( 1 ) ( A ) states that when a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct an investigation and notify the consumer of the results within a reasonable period. As I have not received any notification of the steps taken in your investigation, I respectfully requested that you furnish me with this information.

I kindly ask that you review this matter and remove the bankruptcy from my credit report if it is found to be not reported from the bankruptcy court. Please provide me with written confirmation of your findings and any actions taken regarding this dispute.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Debt collection

According to 15 USC 1692 its a violation for XXXX agency to not have notified me in writing within 5 days. Only I can validate this debt and I DO NOT validate this debt. Per violation is {$1000.00} The agency stating a past due DATE is a violation 15 USC 1692d ( 2 ) The agency stating the amount due is a violation of 15 USC 1605a They also did not respond back to ANY OF MY LETTERS STATING THE SAME The agency is also in violation of 15 usc 1681 for INACCURATE CREDIT REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I'm just checkin to see whats going on with my dispute? I thought I would get an answer with 45 days but I dont have no clue of whats going on, i'm XXXX XXXX SSN # XXXX let me know what's going on you can send it to the address on my id.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an od BP card that was closed in XXXX andvyuou guys are reporting me delinquent for XX/XX/XXXX on my XXXX report How? Is this possible
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/year> under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/year> under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  on XX/XX/year> with a balance of {$50000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Credits inc. have been garnishing me for months and have took thousands! I know for a fact that multiple judgements are lumped together and I have no way of disputing any of them! I dont know what Im getting garnished for and. I body will tell me anything. I can not support my family! I cant get on food stamps, I cant get supplemental ANYTHING. Im robbing XXXX to pay XXXX. My home was in foreclosure and Im starting to loose my everything. Please, agreement other than them stealing what I work hard for, food off my table, clothes off my kids backs! I need help.
Product: Checking or savings account

I was trying to deposite some money into the CITI bank account, but account is blocked for some reason and there is a fee charged related to it, which is ok to me. But customer service has a very bad attitude and didn't give good resolution about this. I called twice but the answers to solve this questions are different. And one customer service hang up the phone when I was asking a question.
Product: Credit card or prepaid card

On XX/XX/XXXX, I booked a XXXX flight through my Citi Premier Card using XXXX XXXX points worth {$800.00} as well as a credit of {$57.00} for a total ticket cost of {$850.00}. 

On XX/XX/XXXX I received an email stating that my flight was canceled due to the COVID-19 situation. Subsequently, I called Citi to obtain a refund of my points spent. Over the course of the next 4 weeks, I placed over 15 calls trying to get in contact with the company to find recourse for my situation. I spent over 16 hours on the phone trying to get this resolved as recorded in my phone records. I was transferred  between multiple departments from customer service, the XXXX points team, and speaking with supervisors. 

Ultimately, I was informed directly that Citi is opting to follow XXXX XXXX 's self-determined policy of providing airline credit rather than the U.S. Department of Transportation guidelines requiring airlines to provide full cash refunds on canceled flights. I am referring to the DoT Enforcement Notice released on XX/XX/XXXX stating " in the context of the XXXX Novel Coronavirus ( COVID-19 ) public health emergency, that U.S. and foreign airlines remain obligated to provide a prompt refund to passengers for flights to, within, or from the United States when the carrier cancels the passengers scheduled flight or makes a significant schedule change and the passenger chooses not to accept the alternative offered by the carrier ''. The notice is listed at this address : https : XXXX ). Again, the agent I spoke with stated clearly that Citi is opting to follow a company 's guidelines over that of the U.S. DoT. 

They are now unwilling to refund the XXXX points worth {$800.00} for my ticket and are instead offering flight credit to be used in two years, which is against the DoT guidelines for cancellations. They have however, temporarily provided a {$57.00} credit to my account to cover the non-point portion of my ticket purchase. There action is illegal and unacceptable. Furthermore, I will not be expecting to have the time to actually use this flight credit over the next two years during my medical residency. I am hoping that the CFPB can help resolve this issue and ensure that Citi follows clearly stated government laws.
Product: Debt collection

Subject : Complaint Against 60 Day Credit Repair and Denefits, the collection Agency they use for Harassment and Unlawful Contact Practices Dear Sir/Madam, I am writing to formally lodge a complaint against 60 Day Credit Repair regarding their persistent and harassing communication practices. Despite my explicit instructions to cease contacting me outside of regular business hours, I continue to receive phone calls and emails at odd hours, causing significant distress and inconvenience. 
Details of the Complaint : Company Name : 60 Day Credit Repair Nature of Services : Credit Repair Outstanding Balance : {$1600.00} Issue : Harassment through phone calls and emails at odd hours Agents Statement : An agent from the company explicitly stated that I would continue to receive emails and calls until the outstanding balance is paid in full. 
Specific Incident : On [ specific date ], I was contacted at XXXX XXXX, which is a violation of my rights as a consumer, even after I had informed them of my preferred contact times. 
Agency Used : The agency they used for these communications is called Denefits. 
I have repeatedly informed 60 Day Credit Repair to stop contacting me outside of regular business hours, yet they have ignored my requests. The agents statement that I will constantly receive emails and calls until I pay the balance is both unprofessional and a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
I request the CFPB to investigate this matter and take appropriate action against 60 Day Credit Repair for their unlawful and harassing practices. I also seek guidance on how to protect myself from further harassment and ensure that my rights are upheld. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to investigate disputes I have tried to file with them. I have provided copies of their refusal with this complaint. If these accounts that are listed in the copies that I have uploaded are not removed I will be forced to sue Experian and the CFPB per violation. 

I have privacy rights under 15 USC 1681 I didn't give Experian written permission to furnish the accounts and to refuse to investigate is down right illegal. They violated my rights numerous times.I demand you remove the accounts.
Product: Checking or savings account

United community Bank shows up on my check systems with my name but has my ex-wife address and driver 's license number on it. Also United community Bank debited my account and made me in solvent when I had a positive balance. Now my online banking login is locked out.
Product: Credit reporting or other personal consumer reports

I was affected by this breach. I am scared and worried about whats going to happen to my credit. Worried I will have any issues buying a home or renting in the future due to this breach. And scared that my credit or any other personal information is being passed around.
Product: Vehicle loan or lease

Hello I talked with company about the price and I wanted to return the car. They didnt even give enough information about prices while purchasing the financed used car. that market cost less than it actually and I found out after a couple of months And I reached out to the company. They told me no way they can get the car back and also told me to sell the car and close the credit amoun of XXXX. 
Market price is not even XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER THE BK CODE, LEXIS NEXUS MUST FURNISH ME ALL JUDGEMENTS, TAX LIENS, ALL PUBLIC RECORDS AND PROPERTY OWED FOR THE PAST 20 YEARS, ALONG WITH ALL CREDIT REPORTING HISTORIES ...
Product: Debt collection

On XX/XX/2016, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of  Limitations and FDCPA. 

I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. 

To date, I never contacted nor authorized XXXX XXXX XXXX XXXX XXXX Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied again. I didn't know why so today I checked my credit report once again. While doing so I saw items that are not mine. I reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items are not mine and all need to be deleted from my credit report. XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I requested Equifax to dispute accounts on the credit report and requested a reinvestigation on XX/XX/year> after reviewing my credit report on XX/XX/year> they did not remove the accounts. These account display inaccuracy with reporting underneath 15 USC 1681 ( i ) 5
Product: Debt collection

Ii contacted the original creditor, XXXX XXXX XXXX and got no response from them, I then contacted the attorney 's office of Gregory Alexandrides LLC, I spoke with a law clerk who could not locate my file and never returned my call as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that 1 week ago, my credit score has dropped by a lot. My credit score used to be a very good score and it just decreased. I found a credit account called JPMCB Card. I saw that it was opened in XX/XX/XXXX by using my personal information without my authorization, which affects my credit score. I never created it or used it so I contacted the company, JPMCB at XXXX on Thursday, XX/XX/XXXX, at around XXXX XXXX. The guy I spoke to transferred the line to the fraud department and they promised to investigate it and try and close it. Though, it still appears to be there. Yesterday, XX/XX/XXXX, I contacted XXXX XXXX XXXX department and Ive been told that this credit account, JPMCB, doesnt appear in their system and they couldnt do anything to help. I also wanted to let you know that Ive experienced fraud once before with my debit card. Im worried that my personal information was leaked since then. I appreciate your support.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had an exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment.

This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hardship to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

GM FINANCIAL IS SHOWING NUMEROUS LATE PAYMENTS ON ALL 3 OF MY CREDIT REPORTS WHICH IS INCORRECT. UNDER THE FAIR CREDIT REPORTING ACT, they are supposed to NOTIFY ME WHEN THEY ARE INSERTING NEGATIVE INFORMATION INTO MY REPORTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following name and addresses are reported incorrectly on my credit report and are putting me at risk for identity theft or a credit merge. Incorrect Names : XXXX XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting

Inquiries on my TransUnion report were removed and re added to my report without notice or explanation. 
NAME OF COMPANY : INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Bank account or service

Wells Fargo is holding funds that have been cleared and subtracted by the issuing bank ( XXXX XXXX the payroll check was drawn on. The funds were approved by the issuing bank on XXXX XXXX and will not be available until XXXX XXXX. We asked where the funds were the answer from Wells Fargo was " limbo ''. 
Background : The XXXX Account is MY business account. The XXXX Account that the funds were drawn on is a " frozen account '' due to the fact that a check was stolen and presented to XXXX in a fraudlent matter. There is plenty of money in the frozen account to cover incoming checks that were issued against it. XXXX calls me every morning in order to authorize the checks that have been presented. I authorized my own payroll check and the XXXX XXXX Manager confirms that the funds were cleared THAT day. I do know both sides of the equation.