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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF - DEMANDS THAT CHASE BANK TO " CORRECTLY " give us our {$2800.00} that some BANKER is illegally LAUNDERING MONEY from customer accounts- MONEY LAUNDERING XXXX XXXX XXXX formally requests to file a complaint and a full investigation into the FRAUD taking place at Chase bank. 

a ) CHASE BANK RETALIATED AGAINST XXXX XXXX FOR REPORTING THAT THEIR BANK ENGAGED IN FRAUD. 

b ) THEY FAILED TO REIMBURSE our Organization AS REQUIRED BY LAW FOR THE " XXXX '' SPONSORSHIP CHECKS that were deposited into the wrong account ( see attached evidence ) c ) Our Donation checks were DEPOSITED " XXXX " DIFFERENT TIMES into an INCORRECT PERSONAL CHASE BANK ACCOUNTS TOTALING {$2800.00} 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 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 LIED " STATING THAT THE CHECKS WERE NEVER DEPOSITED AT ANY CHASE BANKS when in fact they were E ) CHASE BANK KNOWINGLY IS " ILLEGALLY " LAUNDERING MONEY - THIS IS NOT THE ONLY INCIDENT F ) ONCE WE REPORTED OUR FINDING, CHASE BANK THEN RETALIATED AGAINST US FOR REPORTING THE FRAUD BY CLOSING OUR BANK ACCOUNT ENDING IN XXXX and then charged us " overdraft " fees PLEASE RESPOND IN WRITING INCLUDING OUR CASE # ASSIGNED TO OUR COMPLAINT TO THE ABOVE ADDRESS listed. WE REQUEST THAT OUR ACCOUNT BE RESTORED AND ALL BANK FEES/FINES AS A RESULT OF THEIR NEGLIGENCE CHARGED TO OUR ACCOUNT AS A RESULT PUTTING US INTO COLLECTIONS BE REMOVED
Product: Credit card or prepaid card

Good Afternoon, I filed a credit card dispute with Citi for the purchase of a car where the company ( XXXX ) holds a portion of {$4000.00} before purchasing the car. The car was not purchased and was still charged the amount. There is no phone number or contact us on their website, nor did they have any kind of notification of a return / arbitration policy. After searching the business through a few review sites, I found another reviewer who had the same problem but had it resolved in his favor. A simple search of " XXXX reviews '' on XXXX will find a 2.5 review on XXXX, and another " My ( miserable ) experience with XXXX XXXX XXXX ''. After doing this research, I found that they have a very bad track history with zero communication and service. They will not reply through email, nor will they answer the phone. They have taken my money and left! This has been extremely stressful and I sincerely hope this could be resolved. When I filed my dispute, Citi reversed the credit and told me " good luck '' after XXXX said they do not do returns. There is nothing to return if I did not receive anything! I thought Citi was on my side.

Regards, - Hopeful Consumer
Product: Checking or savings account

On Or Around XX/XX/2019 I Filed A Dispute for the following XXXX Purchases Screenshots will be provided. And Or About XX/XX/2019 I Received the following documents from my Bank PNC NA Stating the Transaction Is Valid Under state and federal Laws if a merchant does not meet a agreement or criteria such as honoring a promised refund It Does Constitute a valid Transaction i was promised a Refund from two XXXX Employees XXXX  and XXXX And was never Recieved which would break the transactions Validity And the pnc mercananct agreement between PNC And Third party XXXX Screenshots will be provided failure to Make temporary credits permanant may Result in a lawsuit under state Guide lines in Magisterial Court under my Belief of wrong doing. I Request pnc cease and decist the Amount being put back on the account at which phone calls where made and was told. This documentation was revieved.
Product: Debt collection

XX/XX/ 2024 Subject : Continuous Fluctuations in Collection Balance by National Credit Systems and Failure to Validate Alleged Debt ( CFPB ) Dear CFPB, On XX/XX/2024, National Credit Systems once again decreased the collection balance. However, they engaged in the deceptive practice of removing a collection account from my credit report only to re-add it shortly afterward. This unethical behavior, known as " trashing the consumer 's credit report, '' is completely unacceptable. It appears that each time I file a complaint, XXXX retaliates by further damaging my credit report. 


I am writing to express my profound frustration and outrage regarding the deceitful practices of National Credit Systems, which are significantly undermining my financial stability. 


Their manipulative tactics, such as adjusting collection balances by minuscule amounts and unlawfully changing delinquency dates, have led to significant decreases in my credit score. These underhanded maneuvers have persisted unchecked for over a year, eroding the reliability of my credit report. 


While these alterations may appear minor, they carry profound implications for my creditworthiness. The repeated manipulation of balances and delinquency dates creates a false impression of new collection accounts being added to my credit reportan infuriating scenario. 


It is crucial to emphasize that collection agencies like XXXX do not possess the authority to tamper with original delinquency dates or alter account opening dates. I have neither authorized any payments nor incurred any charges related to this account. Therefore, the original delinquency date should remain unchanged and be removed from my credit report after seven years. 


I implore severe penalties to be imposed on National Credit Systems for their flagrant violations of the FTC Act. They must be held accountable for their manipulative practices, which not only harm consumers but also undermine the integrity of the credit reporting system. 


A substantial civil penalty, such as XXXX XXXX dollars, is warranted to address the severity of these unfair and deceptive practices. The evidence indicates that XXXX knowingly engaged in conduct that is both unfair and deceptive, necessitating swift action from the Commission.

The CFPB must take decisive action to protect consumers and restore trust in the credit reporting system. Your attention to this urgent matter and your commitment to safeguarding consumer interests are deeply appreciated.
Product: Student loan

I sent a letter disputing a debt that Mohela had been trying to claim was mine, I sent written correspondence on XX/XX/2023, as confirmed in their cover letter to their response. They provided some information, but did not provide any proof that the debt was mine, nor did they meet all of the requirements as laid out in 12 CFR 1006.34. Finally, they dated their letter XX/XX/2023, almost a full month later than the time allotted in the federal regulations. They have continued to harass me and have tried to collect on a debt that they have provided no evidence is mine. The XXXX that they provided doesn't have my signature, they just typed my name in the signature spot, I did not sign the document they provided as proof.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request - 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Late/Closed DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX  XXXX Balance : {$5200.00} ChargeOff XXXX XXXX Balance : {$1100.00}
Product: Student loan

Last month XX/XX/2022 I was told that my interest only repayment had to be completed in order for me to participate in the program. I was only offered a interest free payment program, which basically means I will be in debt for the rest of my life. When asked was I eligible for another program, I was told I was not. I provided my card information and my monthly payment would be from I believe {$260.00} to {$280.00} with a date of XX/XX/XXXX to began the payments.. I kept receiving calls from all types of numbers throughout the day and half the night and finally answered and it was NAVIENT reps calling from different numbers and area codes. I received over 100 calls within a 2 week span. Apparently I gave them the wrong card information in which they stated that they to go up on my monthly payment from {$280.00} to {$300.00} monthly after providing them with my finances for the month. I was told again that I was not eligible for any other program with NAVIENT. My account number is XXXX. I am currently looking to refinance this student loan because if I am only eligible to partipcaite un the interest only program, I will never pay this student loan down. Also I receive documents stating that I overpaid and never see where the overpayment is going.
Product: Checking or savings account

I opened up a Square account in XX/XX/2023 to process payments for my interior design business. In XXXX I processed the first and only payment through Square for {$2000.00}. On XX/XX/2023 I received an email stating that they needed additional information from me and to sign in and provide, which I did. I then received an email stating my account was in review and a little while later that it had been deactivated due to information provided about my business. The email stated funds would be held for 90 days and then deposited. I tried to call and speak to someone as I was confused as to why funds were being held however my phone number had been blocked. I decided to patiently wait the 90 days even though I needed the funds as this is my source of income. On XX/XX/XXXX, I received another email stating the funds were being held for another 30 days due to a recent chargeback. I've only processed one payment and my client, who I'm still working with has not filed a chargeback. I again tried to reach someone but my number was blocked and I had to call from another number. Once I got through to someone I was told a rep would reach out. I received an email on XX/XX/2023 asking for information associated with my account which I provided. I have reached out several times since and still have not received a response. Looking at other complaints, this seems to be a pattern with Square and that they continue to hold funds indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went in for my fourth lease over the last 9 years or so. I was told I was a tier one leasee and that I didnt need my credit run due to my long history of positive on time payments with Nissan over the last nine years. I have discovered that they ran my credit twice on XX/XX/17 without my authorization - causing my credit report to have two hard inquiries, which cause my report to drop from a perfect XXXX to a XXXX. I need this fixed as Im trying to buy a home and my mortgage is dependent on this.
Product: Debt collection

Sold my house at XXXX XXXX XXXX, XXXX NC XXXX and requested my power be transferred to the new buyers ( end of XX/XX/2019 ). I have never had a late bill and always received emails and paid online ( was a customer for more than two years ). In XX/XX/2019, I was unable to log in to my account to pay the final bill so I called XXXX XXXX XXXX and they said a final bill would be mailed to me. I never receive it. I call XXXX XXXX XXXX again ( end of XXXX ) and they tell my account is closed and everything is good to go. 

A year later I have a credit check and my score of XXXX is dropped to a XXXX. I find out XXXX XXXX XXXX has submitted my final bill to a collection agency called Helvey and Associates. In XXXX I call XXXX XXXX XXXX and pay this bill immediately and discuss how this is absolutely their fault. They deleted my account online so it could not be paid and when I called they told me everything was closed out and good to go. Now they are saying they sent the bill in the mail which I have never received and they don't have record of my calls ( I tried to pull these records from XXXX XXXX but I can only go back 6 months ). I have had several calls to both XXXX XXXX XXXX and Helvey and Associates and spent hours with no resolution to having this fixed.
Product: Money transfer, virtual currency, or money service

What does it take to send a wire with Chase? 

- five tries, four of which were rejected with no reason given or anyone connecting to try to clear the issue - Two hours across 6 phone calls to customer service, fraud detection,... 
- Two dropped calls while being transferred from onXXXX group to another - Being told threXXXX times by customer service, after extensive verification, that a wire would proceed ... only to have it rejected- a secure message through the system to complain about the issue, only to receive an acknowledgement 24 hrs later that the message would get prompt attention. Three days later, I am still waiting - After executive escalation, a call from a very polite young man who essentially then did nothing .... lots of style, no substance Chase needs to fix its customer service. Some specific suggestions - If there is a problem, call, text or email to resolve ... dont just reject. I appreciate its to Chases benefit to hold onto my money but it is poor customer service- If someone in customer service tells you a problem is fixed, then the systems should be such that it is fixed - There needs to be a real time connection between customer service and the back office so that customer service can fix an issue on the spot, not leave a note on the file which the back office then ignores - Make sure your executive escalation people actually have the power to fix things... not just politely tell you how sorry they are then nothing happens
Product: Debt collection

This is a complaint against AFNI and XXXX. They are both reporting a debt on my credit report that is not owed. I have a letter stating that they removed the amount. It has bot been removed and I have contacted them and disputed it several times and its still not removed from my credit report.
Product: Credit reporting or other personal consumer reports

I requested a XXXX and have not received it. Yet they are still reporting on my Consumer report as charged off and I still owe the loan. They also are garnishing my paycheck 20 %.
Product: Checking or savings account

I turned XXXX on XX/XX/2018 and was enticed by Citibank 's promotion to open new checking and savings account. I went with my grandfather and opened the account at Citibank XXXX, FL branch. Promotion was for {$200.00} and the personal banker guided me for the same. I made a note to maintain the balance of $ 25k+ for 60 days as mentioned to me, which I did. Citibank denied the promotion on false pretenses and requirements, which were never clarified or mentioned during account opening. When I went to branch they told me to call the toll free number. I was on a long hold with my dad to get the issue resolved ( over 1 hr ) and to no avail. They could not even find any promotion listed on my account.

Citi is doing deceptive practices and I am annoyed by their customer service.
Product: Checking or savings account

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Great Shoals XXXX XXXX, GA XXXX Office : XXXX Fax : ( XXXX XXXX XXXX XX/XX/XXXX TRUIST BANK RE : XXXX XXXX XXXX XXXX Debit Card Number Ending in XXXX Truist Account Number *XXXX XXXX  XXXX Dear Sir or Madam, I XXXX XXXX XXXX XXXX, the account owner of XXXX XXXX XXXX XXXX. This letter addresses the unlawful XXXX of funds from my account and the subsequent closure of my account by Truist Bank on or about XX/XX/XXXX. 



Your institution has unlawfully seized approximately {$18000.00} from my clients combined checking and savings accounts without a signed order from a Georgia judge. Additionally, this amount includes a XXXX check for {$18000.00}, made out to XXXX XXXX, who is also a signer on the account. 



The funds are essential for my familys daily needs, and the ongoing unlawful possession of these funds has caused them significant hardship. 



I would like to resolve this matter amicably and without the need for litigation. However, if this issue is not resolved within seventy-two ( 72 ) hours, we will have no choice but to pursue legal action, including filing a Petition for Temporary Restraining Order, seeking injunctive relief, and demanding a jury trial. My client will seek all available damages, including but not limited to theft by conversion, breach of contract, negligence, and associated costs of litigation. 



Please respond to this letter at your earliest convenience, ideally within the specified time frame, to avoid further escalation. 



Thank you for your immediate attention to this urgent matter. 



Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am have problems with Experian removing old names and addresses off my credit report. I sent them a letter in  XXXX   2017  along with a copy of my drivers license, social security card and proof of address, nothing was done. In  XXXX  I called them spoke with a man named  XXXX . He refused to remove the last name  XXXX  and  XXXX  address off my report. The addresses are as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  I explained to him that they are inaccuarte and not deliverable to me and it was against the fair Credit Reporting Act laws to not remove the former last name and old addresses but he said he can not remove them. Ireally need some assistance.   Thank you for your time.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   RE  :  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last few months I have been trying to get my credit work done between the three credit bureaus XXXX XXXX XXXX and experience they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section XXXX you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an legitimate email from Experian today, ( XX/XX/2022 ) as I have an login account to check my credit report with them. The email said I had a new car added to my credit report. I will attach the email. When I clicked the email and logged in ( Yes it was Experian 's site, I double checked ) it said I have a XXXX XXXX added to my credit report and wanted me to pay to upgrade my account. I never bought a XXXX XXXX. I closed it, and went back to my report ( as I was already logged in ) and I see nothing about a new loan for a car. I checked other reporting companies ( XXXX, XXXX ), and nothing there either. 

I feel like Experian was trying to trick me into thinking there was an issue with my credit, to get me to buy a service. I contacted their support by ( replying to the email ) about the event and told them I was reporting to the FTC. The FTC website forwarded me here to fill out the complaint. I got an automated response from Experian from the support email, so I am sure it was not a phishing email. 

I suppose it could have been a glitch in there system that thought I bought a XXXX XXXX, but I thought I would report it in case other have had the same experience. It really upsets me that a company like this would prey on vulnerabilities of people, if this was intentional.
Product: Debt collection

Nations Recovery has contacted my place of employment three times since I asked them not to do so in XX/XX/XXXX. I work at a call center and they have called our customer service line and asked another CSR to speak to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account and remove all the late payments XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After examining my personal credit report, I have identified certain inaccuracies that could significantly impact my ability to purchase a home. While I understand that errors can occur, these particular mistakes could have detrimental implications. I am familiar with the dispute process and the time constraints that come with an investigation. The following errors have been identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you remove these inaccurate accounts from my credit report as soon as possible. Given the current economic challenges, the negative impact of incorrect information on my credit score is a major concern. I expect an updated credit report that reflects these changes within thirty ( 30 ) days.