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

My name is XXXX XXXX, It was sometime last year because I was XXXX at the time and a my account was locked because of fraud and I called chase and they told me to go in to a location so I went in and they told me a check was put into my account but they luckily caught it before the money was taken out and they told me where the check was deposited but I was no where near where the check was put in and I called chase as soon as I saw the account locked and they let me open another account but closed it in less than a week and now I cant open a bank account for college with any bank really because it says I was put on XXXX
Product: Debt collection

Wells Fargo bank has charged off or written off the debt that I owe them. I never received a copy of a 1099C. By law if a company writes off or charge of debt and take a tax break they need to send a 1099 so the other party can claim it through the IRS as income. Wells Fargo wrote this debt off and took a tax break and its still reporting on my credit report that I owe them this amount which is fraud if this information is not removed from my credit report, I will be sewing this company for statutory damages under the FCRA.
Product: Debt collection

Requested verification of debt on XX/XX/XXXX received letter dated XX/XX/XXXX that the company has determined your dispute is not valid & that the information is correct however attached paperwork does not verify or substantiate any debt ie is only a print out with my name but does not prove debt is mine
Product: Checking or savings account

I received a XXXX card from my father with a check for {$2000.00} in it, the same thing he sends every year. I used the mobile banking app on XX/XX/23 to deposit it in my Suntrust ( Truist ) checking account which I have had for at least 30 years with no history of any issues. Almost immediately after submitting the deposit, I received an email informing me that Truist put a 14 day hold on it. The email indicated that the hold was placed because of " confidential '' information indicating that the check would be returned. I contacted Truist customer service who informed me that they couldn't do anything and that only a branch manager could remove the hold and that I should go to my nearest branch. I drove an hour to my nearest branch and they said they couldn't do anything. I called customer service who repeated that they couldn't do anything and only a branch manager could remove the hold. The next morning I received another email from Truist indicating that a 14 day hold was actually put on the deposit because there was contradictory information on the check. I again took the check to the closest branch ( XXXX, NC ) who looked at the check and took down the information. They said there was nothing wrong with the check but they couldn't do anything because I didn't make the deposit there. I again called Truist customer service who said they couldn't do anything. So here I sit with my XXXX money confiscated by Truist for 2 weeks for no good reason, no way to appeal or reverse the decision, and not one person in this Company who appears to care. Truist gave 2 different but unrelated reasons for the hold. That alone should be enough to call the hold into question. Additionally, you get no warning before submitting the deposit that they are going to seize it and once you do, it is too late. You are at their mercy. Either there algorithms are faulty or they are intentionally holding people 's money to make money for themselves. Either way, there should be process to review and override these actions. As it is I will be story telling for years about how Truist stole my XXXX money. I've already closed one account on XX/XX/23 as a result of their actions. I'll closed the other one just as soon as they release my {$2000.00}. That you. XXXX
Product: Bank account or service

American express business accountwas used by an employee without my knowledge has been 8 years and is still on my credit report.
Product: Credit card

On XX/XX/XXXX I decided to take advantage of balance transfer promotion with capital one, no interest for 12 month however 4 % transfer fee will be applied ( capital one does not charge balance transfer fee on regular balance transfer ) I completed the process on XX/XX/year> transferred {$10000.00} and paid {$300.00} in fees. On this months statement I noticed {$250.00} interest charged and decided to call and get clarification. I was advised that account did not qualified for the balance transfer offer so the interest was restored back. When I asked them why was I charged {$300.00} balance transfer fee ( classified on my statement as promotional rate balance transfer fee ) which capital one does not charge on balance transfer that are not part of the promotional rate, I was declined the refund. Capital one has misled me and unfairly charged me {$300.00} transfer and {$250.00} interest charges without any advanced notice letting me know they will not be honoring their balance transfer offer. If I was aware of this I would have not done the transfer.
Product: Student loan

I submitted a request in XXXX XXXXXX/XX/2023 to be placed into the SAVE plan after consolidating a bulk of my loans. After over a month of processing I was placed into the SAVE plan but was also entered into deferment, so interest is accruing. I did not tell NelNet that I wanted to be in deferment. I only wanted to be on the SAVE plan based on my current income.
Product: Mortgage

My loan was closed in fraud, in my opinion. 
I had from the start of the loan process stated that items on my credit report were not mine or in the process of resolve. I was told on several occasions that those items would be removed from the final closing statement, and was told to just sign the paper work. 
When the final closing paperwork came, it still had the items on it, I penned my initial and struck each item that was to be removed. Once again I was took to just sign the paperwork and their company would make the adjustments. 
As of this date the loan company is holding monies on items struck from the closing statement and I 've tried to get resolve, but have been stonewalled by the persons doing the loan and their Georgia Supervisor. 
At this point I feel I 've been screwed, by a predictor mortgage company. 

Please Help, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a Bankruptcy on my report and keeps verifying that XXXX is reporting it to them. I have a letter from XXXX that states they deleted the Bankruptcy report from my Consumer report and they are not reporting it to TransUnion. I also have a letter from the Bankruptcy Court who also says they are not reporting a Bankruptcy to TransUnion. On TransUnion website they claim all Bankruptcy before XX/XX/2018 are verified through XXXX and as I said before XXXX has no Bankruptcy reporting on me.
Product: Credit reporting

I pulled my credit report and found a judgment on the report from XXXX XXXX XXXX XXXX for {$2400.00}. I decided to reach out to XXXX XXXX to understand what this debt was since I had never received any notification about it and discovered that XXXX XXXX has gone out of business. I then disputed the judgment with the credit bureaus since I did not know what the debt was and am not able to discuss with the now defunct XXXX XXXX. XXXX and XXXX promptly changed the status to satisfied on my credit report, but despite trying to have it removed twice from Experian they informed me that the debt was valid and would remain there. Until I can satisfy this issue, I will not be able to purchase a home. It is impossible for me to satisfy or even confirm the debt is mine if the company has gone out of business. Please help!!
Product: Credit reporting

I disputed inaccurated information regarding credit cards that were opened from an address that i never resided. I spoke to the creditors, and was told most of the accounts were opened online or over the phone ( red flag ). Which required the person who opened these accounts in my name to not have to show proof of identity after I had a fraud alert placed on my credit. I 've listed the credit report numbers above where you 'll find the inaccurate information that I have disputed, and to no avail have been unsuccessful with getting these inaccurate items removed from my credit reports.
Product: Mortgage

Second call to Bank of America on XX/XX/2024, around XXXX XXXX  Spoke to someone named XXXX who was very professional and patient. 

According to XXXX in order to select an option for repayment I will need to send some documents. These documents will be reviewed and a decision will be made in 30 days. 

In 30 days will escalate the account to possible foreclosure. 

When I started the foreberance I did not have to submit anything. But provide my financial over the phone. 

Intake number. XXXX
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the EXPERIAN for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2023, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Debt collection

Collections company reporting for student loans from XXXX XXXX  after I called and dropped classes before the date due to having XXXX XXXX. I did not return back to school and terminated all classes for all semesters. The school is fraudulently charges me and sent me to collections improperly and unfairly
Product: Checking or savings account

Hi, I applied for self and now when I try to cancel my subscription they arent allowing me. 
Im still having charges go on my account.
Product: Debt collection

I received notice from the XXXX XXXX XXXX in Washington XXXX of an unpaid parking ticket that dated back several years. I never knew I'd been issued the ticket, but promptly paid the total due of {$70.00} upon receiving notice of this debt. This payment was made on XX/XX/XXXX and I can provide confirmation of payment from the court which includes the original invoice number. 

This week -- week of XX/XX/XXXX -- I received a letter dated XX/XX/XXXX from a Texas entity, " XXXX XXXX XXXX XXXX XXXX '' attempting to collect on this debt. As I mentioned, the debt was paid more than a year ago, and the invoice is closed. XXXX XXXX XXXX had confirmed receipt of this payment ( XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

I am contacting you once more about the fraudulent items that still appear on my credit report despite my multiple attempts to get them removed. This is now my eighth attempt to resolve this issue with your organization, and I am very disappointed with the lack of progress. Despite submitting disputes and supporting documentation on XX/XX/year>, the items remain unresolved, which is damaging my credit history and causing me significant stress. I am hoping that this time my request will be given the proper attention. I kindly ask for a thorough investigation into the fraudulent items on my credit report and immediate action to remove them. Additionally, I would like transparency regarding the steps taken during the investigation and an explanation for the repeated failure to address this issue. The items that need to be removed are as follows : XXXX XXXX XXXX XXXX  Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/year>. I am committed to resolving this matter amicably and trust that the credit bureaus are equally committed to maintaining accurate credit reporting.
Product: Debt collection

To Whom It May Concern : Portfolio Recovery, XXXX, continues to contact me subsequent to verbal and written cease and desist requests. I am filing this formal complaint. 

The above referenced third party debt collector seeks recovery of a ( purchased ) charge off non-secure debt older than 7 years. Despite the age of debt, I initially engaged in a negotiated paid in full agreement. Upon failed attempts to secure Portfolio 's written confirmation of the terms via phone, I discontinued further negotiations. A verbal request was logged to cease further contact as the duration of the debt exceeded the statutory term for collection activity. Was advised the requested was documented on the system of reference. 

Almost a year later, Portfolio continues to lodge outbound calls to my personal cell phone. When instructed of the previous verbal and written requests to cease contact, representatives acknowledge the logged request continuing with verification and payment inquiries. 

Portfolio 's actions is violative of FDCPA. among other promulgated third party debt collections prohibitions announced under CFPB guidance. 

For these above reference items, this compliant is hereby filed with the CFPB.
Product: Vehicle loan or lease

XXXX   XXXX  keeps harassing me and calling me on my cell phone and on my job calls was made on  XXXX / XXXX /   17  By  XXXX  phone number is  XXXX   XXXX   XXXX   XXXX
Product: Checking or savings account

I called Navy Federal Credit union customer service today XX/XX/2023 at XXXX XXXX and asked if my direct deposit could be made available since they advertise that your direct deposits will be available XXXX day early as a perk of being a customer at Navy Federal Credit Union XXXX The representative stated that my account had an alert on it because I had prior credit cards due which I paid in settlements to them XX/XX/2023 for the amount of {$5400.00} and was not made aware that my checking account would retain an alert on it on that doesn't allow the same features as every other customer at Navy Federal Credit Union. When I asked why this was and when it expires the customer service agent told me it never expires because I am marked as someone who was a loss to Navy Federal Credit Union. I don't think it's fair that without my knowledge I receive different treatment from the bank as a result of settling a debt with the bank from prior credit cards and I was not made aware that this would be the result of settling the debt with them that I would never be able to have a full account and full features with the bank and be treated differently as a member of the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding a public record a few months ago ( 60 days approximately ) which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( XXXX and XXXXI ) had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why XXXX and XXXX had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed XXXX and XXXX had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under 15 usc 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties XXXX and XXXX. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.
Product: Student loan

id theft on this loan please correct this i 've been trying getting no where
Product: Debt collection

I was a victim of the XXXX data of breach. Remove these accounts immediately.
Product: Money transfer, virtual currency, or money service

Chime is an app that advertises themselves as a financial institution such as a bank, but they are far from it. I used my Chime card at the ATM to withdraw money from my Chime account. I needed to withdraw {$1000.00} to pay my rent. I had just enough in my account to cover my rent so I could not afford to go to an ATM that was out of the CHIME network and would charge fees for the transaction. Unfortunately Chime only allows customers to take out {$200.00} per transaction, so I would need to do 5 separate transactions to take out the full amount. The 1st transaction went thru just fine, but the 2nd transaction didn't give me any cash yet the machine spit out a receipt yet no cash came out. The {$200.00} however was taken out of my account. I called the number on the ATM machine and I was told that there was an error, and they advised me to contact Chime directly to file a regulation E dispute. I promptly called Chime and was immediately given the run around. Initially they refused to file a dispute and wouldn't agree to return my money. After several calls and days later, I was finally able to file a dispute, but I was already late on my rent and I was told that the " investigation " would take over a month. I explained to the managers how dire the situation was and that I really needed the money now to pay my rent. They refused to issue a provisional credit on my account and now I haven't been able to pay my rent and my landlord will not take the " ATM stole my money '' excuse, because landlords know that real banks would offer a credit if one of their ATM 'S malfunctioned. So I still don't have the money that was stolen from me by Chime. This company needs to be seriously regulated ASAP. They are fooling people to think that they are a bank and people such as myself are finding out the hard way that they go by a different set of rules while dealing with our hard earned money.
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL CREDIT UNION NAVY FEDERAL ACCOUNT XXXX WAS REMOVED BUT PLACED BACK ON CREDIT REPORTS UNDER NEW ACCOUNT NUMBER XXXX XXXX5usc 6801 Protection of Non- Public Information NAVY FEDERAL has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy NAVY FEDERAL did not clearly and conspicuously provide the disclosure forms.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXXXXXX Balance {$64.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, I'm unable to get into my transunion account because of my phone is off and i did verify my identity by phone and sent my ID 's and utility bill by email to transunion XXXX and they said they can't open it. I'm not sure however I always was put through the ringer for my account. I never got into my transunion account The credit card or bank account information supplied has been used on the site over our security allowance. In order to protect your privacy, use of this credit card or bank account number has been suspended. This security measure is taken to protect your personal data and credit card or bank account.

Thats is what is saying when i login i don't know what is going on.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX, XXXX, name is XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE LIABLE FOR VIOLATING MY RIGHTS! 

I am addressing the fact that you were furnishing inaccurate information on my consumer report. You have now deleted the account # XXXX XXXX XXXX XXXX off of my consumer report that should not have been there from the beginning. This proves that you did not exercise your grave responsibility with fairness and impartiality. You are liable for willful noncompliance. Please pay the invoice pursuant to 15 USC 1681n. 
Your company inaccurately and falsely reported information on my consumer report that resulted in defamation of my character. I have been denied my right to extend credit and have been discriminated against as a result of your deceptive practices. You made creditors believe that I was in debt and you could not prove that to be valid. If the debts were valid, you created a false impression that I was unable to handle my business and pay the alleged debts. Ive suffered sleepless nights and emotional discord as well as financial strain because of your company falsely reporting information. Therefore, your company is liable, pursuant to 15 USC 1681 ( o ).

According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$340.00} 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 XX/XX/XXXX ; XXXX XX/XX/XXXX.