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

I have received a check from one of my customers my business is XXXX XXXX XXXX XXXX. My business provides XXXX XXXX  for The XXXXXXXX XXXX They wrote me a check from their account. I have just opened an account with Chase and they locked and closed my account. I spoke with my customer who then called his XXXX XXXX XXXXXXXX XXXX XXXX who reached out to me and said they would do whatever to validate the check. That bank offered to call write a letter whatever they needed to validate. I call Chase numerous times and was told because they dont have a phone number in their system I can not access my account and the funds they paid me with will be sent to the state. The only fraudulent activity is with Chase. Myself and my customer along with their bank have gone out of the way to help Chase Bank resolve this. Its obvious their system is flawed and not the one and only way. It boils down to they dont care they dont have time to manually verify the check. Also they will not inform me on how they verify a phone number or how to get the phone number in their system as my customer offered to try and get their phone number in their system to be verified. Why would a check suspected of being fraudulent processed to begin with?
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have an account with this company. These people are trying to make me pay money that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$30000.00}
Product: Mortgage

I received a letter dated XX/XX/XXXX from my mortgage servicer : Guild Mortgage that my last forbearance request has been denied. I had mentioned in my correspondence with them I believe their decision is in violation of the federal law. 

XXXX. I requested forbearance in XX/XX/XXXX due to COVID-XXXX circumstances which has been approved by Guild Mortgage , however because my loan has been prepaid back in XXXX on a monthly basis, Guild Mortgage continued to apply my prepaid monthly mortgage payments until XX/XX/XXXX. 

XXXX. In XX/XX/XXXX, Guild Mortgage sent me a forbearance letter and has granted the forbearance until XX/XX/XXXX in total. 

XXXX. In XX/XX/XXXX, I applied for a forbearance extension as I am entitled to XXXX months of forbearance due to initial request date of XX/XX/XXXX, and because I have an FHA loan. 

XXXX. On XX/XX/XXXX, Guild Mortgage refused to extend the forbearance in violation of Federal  Law governing COVID-XXXX related forbearances and FHA loans XXXX 

XXXX. I have contacted HUD certified loan counselor who confirmed that Guild Mortgage acts in violation of Federal Law. In addition, I was advised by HUD certified loan counselor, the mortgage payments paid during the forbearance was supposed to be applied to an escrow account, as per HUD regulations. They weren't. 

XXXX. I asked Guild Mortgage XXXX  to look into my request to extend forbearance to comply with the Federal Law. In case of continuing denial, I advised Guild Mortgage I would be filing a complaint for investigation with the Consumer Financial Protection Bureau which has jurisdiction over COVID-XXXX forbearance compliance with the mortgage lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
XXXX XXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX / BAL. XXXXXXXX XXXX XXXXXXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX / BAL. XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights. This account is not mine I never signed for anything and I also have a FTC report attached. If you guys cant provide my handwritten signature with a third party or from the company with a proof of residence and my ID I demand this be removed because my rights are being violated.
Product: Debt collection

Settled my remaining debt with a third party debt collector Johnson Mark LLC on XX/XX/year> for {$560.00}. They were supposed to email me a copy of my receipt, but never did and then reported that my account was not closed off and I still owed {$350.00}. This company scams people pretty bad go look at all the XXXX  and XXXX reviews.
Product: Checking or savings account

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I noticed charges to my Chime account amounting to {$550.00} and {$35.00}. I filed the dispute on XXXX XXXX XXXX and the dispute was denied on XXXX XXXX XXXX. I've since filed a rebuttal with chime and asked for documents explaining why the dispute was denied and received a redacted statement of my initial response to the questions I was initially asked and transactions dates and times. No evidence from the merchant proving these transactions are unauthorized or authorized. I called chime and spoke with a supervisor that told me the investigation team didn't file a chargeback and was told she's not part of the investigation team and she doesn't know why their was no chargeback filed only that the investigation team has they own way of investigating claims. I asked if the investigation team got in contact with the merchant and was told they did not. I don't think chime did a thorough investigation into these disputes. The transactions occurred in XXXX XXXX and I live in XXXX. I've never been to XXXX XXXX. I lost my phone, debit card and ID and the next thing I know I'm getting charges and no help from chime besides generic answers and withheld information.
Product: Checking or savings account

XX/XX/year> Re : Dispute Regarding Checking Account and Paycheck Deposits I am writing to express my concern and frustration regarding the issues I have been experiencing with my checking account at PNC Bank. On XX/XX/XXXX, I opened a new checking account and deposited a paycheck from my employer, which covered XX/XX/XXXX to XX/XX/XXXX. 

However, I subsequently received emails from PNC Bank stating that the check was being held for further review and later that it was being returned due to suspicious fraudulent activity. Despite my employer gave me next paycheck ( XX/XX/XXXX to XX/XX/XXXX ) the one I deposited Online and he issuing a replacement check for the XXXX fraudulent check, which I deposited via ATM, my account was blocked on XX/XX/XXXX due to suspected suspicious activity. 

Over the past week, I have made multiple phone calls to PNC Bank XXXX customer service department seeking assistance and clarification on this matter. One representative informed me that my employer needed to contact a specific number to resolve the issue, which they did on Friday, XX/XX/XXXX. However, when I visited the branch on Tuesday, XX/XX/XXXX, I was informed that the issue was still not resolved and that my account was at risk of being closed. 

I am deeply concerned about the impact this situation is having on my financial well-being and the lack of clear communication from PNC Bank XXXX I urge you to investigate this matter further and provide a detailed explanation for the actions taken on my account. I would appreciate it if you could also clarify what specific factors led to the suspicion of fraudulent activity, particularly given that my employer uses the same check format for all employees, including my wife, who has experienced no issues with her account. 

Today I received a call from the beach representative that PNC has no provide resolution and their closing my bank account soon. I havent receive money for my job for weeks I have responsibilities and family this is not fair at all. 

I look forward to a prompt response and resolution to this matter. Im consten that this is going to affect my financial life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Courts and have included their response. According to the United States Bankruptcy Court XXXXXXXX XXXX XXXX. The Bankruptcy Court does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights. I have attached the Bankruptcy Court response below. 

I have also disputed this in the process with all three bureaus XXXX has deleted XXXX and Transunion hasn't removed these items the credit bureaus are noon affiliated with third parties and can not report this information. I have attached the letter from bk court showing they have not to furnished nor do they report to credit bureaus.
Product: Credit reporting or other personal consumer reports

I checked my credit report today and I noticed an account in collections on my credit that I have no knowledge of and did not authorize, the account in question is for a phone line someone opened under my name that is now in collections, XXXX XXXX # XXXX, the collections agency is XXXX XXXX XXXX, the account was opened it says on XXXXXXXX XXXX XXXX the amount its for is {$2400.00}. 
Please remove this account from my credit ASAP I have also obtained an FTC report for Identity Theft.
Product: Credit card or prepaid card

On XX/XX/XXXX I placed an order for 6 dresses to XXXX via XXXX, with payment made via XXXX. 
- On or around XX/XX/XXXX, the dresses arrived and I discovered that they were knockoffs. 
-On or around XX/XX/XXXX, I submitted a return ticket to XXXX via XXXX, which was within a week of receipt of the merchandise. 
-On XX/XX/XXXX, XXXX approved the return. 
-On XX/XX/XXXX, I filed a dispute with Navy Federal Credit Union regarding the knockoff dresses not being as advertised and a failure of XXXX to provide me a US return shipping label despite the merchandise being mailed from a US Warehouse . 
-On or around XX/XX/XXXX, Navy Federal Credit Union issued me a temporary credit in the amount of {$240.00}. 
-On or around XX/XX/XXXX, XXXX resolved the case in my favor and refunded {$240.00} to my bank ( per email attached ). 
-On or around XX/XX/XXXX, I sent proof of return of the XXXX merchandise to XXXX for the dispute case as I was unaware that XXXX refunded my money. 
-On or around XX/XX/XXXX XXXX XXXX reversed the {$240.00} credit to my account charging me for the knockoff dresses that I had returned. 
-On XX/XX/XXXX XXXX confirmed that the XXXX refunded the {$240.00} back to my bank. ( See attached email ) -On XX/XX/XXXX I was on a 3-way phone call with XXXX and NFCU and XXXX insists that theyve refunded {$240.00} back to NFCU on XX/XX/XXXX. XXXX sent an email confirmation to confirm that the {$240.00} was refunded back to NFCU. Style We also confirmed that the {$240.00} was sent back to NFCU. 
-Navy Federal Credit Union is citing that I did not send back the knockoff dresses within a week ( despite me informing NFCU that XXXX hadnt provided me a viable return address ) so my claim was denied and is refusing to refund me for the knockoff dresses that I returned. 
-Navy Federal Credit Union has charged me for merchandise that has been returned and refused to refund the {$240.00} charge + interest despite the bank having been refunded the money.
Product: Debt collection

ON XX/XX/2017 THEY REPEATEDLY CALLED. AT XXXX XXXX WAS FIRST THEN XXXX, XXXX, XXXX & XXXX XXXX. I 'VE TOLD THEM I WORK THE HOURS OF XXXX-XXXX AND CAN NOT TAKE THE CALLS BUT THEY CONTINUE TO CALL. THEY ALSO CALL MY MOTHER, SISTER AND FRIEND THAT I USED AS REFERENCES ON LOAN 16 YRS AGO. MY MOTHER IS XXXX YRS OLD AND THEY CALL HER BACK TO BACK AND SHE 'S TOLD THEM TO STOP AND THEY STILL CALL. THEY 'VE SHARED MY DEBT INFO WITH ALL THE PEOPLE THAT THEY CALL AS WELL. THIS IS N'T JUST TODAY. ITS EVERYDAY
Product: Mortgage

I had a Mortgage with Wells Fargo and I tried multiple times to get a loan modification and I was rejected due ti my race.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  mortgage account has been reporting inaccurately and the credit reporting bureaus are using all kinds of unethical tactics to tank my score. This account has been marked as a bankruptcy account with no balance, closed with a balance, closed without a balance, reported with late payments, reported with 444 months, etc. This is a direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit card

I received a phone call from XXXX XXXX on XXXX XXXX, 2015. They told me that for my website to be ultimatley profitable that I needed to add some major marketing to my new website. They led me to believe that I had no other choice and gave me what they said was a good deal for {$8000.00} They would create a VIP Advertising Package for my online XXXX. They have not done anything. When i call the number, it just continues to ring. XXXX has not provided what is set fourth in the contract and therefore I should receive a full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable. It has been now 5 months and have failed to respond. I am attaching a Copy of all letters sent below. 


XXXX, XXXX  has failed to validate that this account is reporting maximum possible accuracy per the FCRA and This account was paid and the creditor agreed to remove it from my credit report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit card or prepaid card

I have opened my XXXX card after talking to XXXX marketing rep in XX/XX/XXXX. I was told that I will get XXXX  points as a welcome bonus. Again calling multiple times was told will get my points in XX/XX/XXXX billing statement. The rep even told me that you are eligible after 3 years as I had this card before. She insisted if I spend {$5000.00} then they will offer me another XXXX points, in total XXXX points. When called in XX/XX/XXXX they stated i am ineligible as i had the card in the past. I explained my situation and they promise to investigate and compensate me but till date after 4 weeks there is no resolution. I felt this is a shady business practice to lure customers and have them spend money. They only told me after 4 months of XXXX money spent. The company made its profit by getting the spending and through interest. So far I paid about {$500.00} in interests. I have called them several times and they still say that they are investigating the call details. If I was not misguided by customer relations I could have opened other competitive hotel cards which would have rewarded me welcome bonus. Talking to customer service is like asking for their kidney, they are unable to accept their own customer agents mistake and honor my points. I would not recommend anybody for this card.
Product: Checking or savings account

Citibank is refusing to honor the Publicly available Promotion it advertised in XXXX, XXXX and pay out the bonus associated with certain deposits made into Eligible City Priority Account Package. The initial denial was based on the erroneous claim made by Citibank that the Promotion 's Minimum Deposit Condition was not met. That claim was withdrawn and replaced with the stipulation that " Promotion Code XXXX was not offered in conjunction with the above account '' accompanied by the request to " provide a copy of the Promotion Disclosure that was addressed to you ''. The Promotion that was in effect in XXXX, XXXX was not by Invitation and was not associated with any Promotion Code. Whatever the Code has been assigned, No Client of the Bank would have a knowledge of it, the Code is not available to Public since the Code is linked to the Account Application by the Citibank on the background of the Account opening process. The last attempt to resolve the dispute produced evermore contradictory statement by the Bank 's Representative in the tune of " your account is not eligible to Bonus because no Code is linked to the Account Package. '' All conditions of the " Citibank_Checking Tiered Offer '' were met by me the " Eligible Customer '' including making and maintaining " Minimum Deposit and Minimum Balance. '' in the " Citi Priority Account Package ''.
Product: Debt collection

I requested for a monthly statement from XXXX XXXX to present to verify amount Military Star Card is billing me. No statements were send, but, was informed to pay the amount of {$6100.00}, or the balance unpaid will be turned over to a collection agency.I have never used the Military Star Card since XXXX XXXX, I paid off the Take It Home Card in XXXX XXXX.
Product: Student loan

I reached 120 qualifying payments in XX/XX/2023 for Public Service Loan Forgiveness. However, I was forced into forbearance that month because Mohela calculated my SAVE payment amount incorrectly. Mohela has accepted my qualifying employment through XX/XX/2023. XX/XX/2023 is still showing up as " ineligible '' for PSLF in Mohela 's system because " Deferment or forbearance exists this period. '' Mohela has stated, and continues to state, that my payment will count. I've spoken to a representative at Mohela and they are unable to even give me any idea of when that payment will count. I have fulfilled my obligations for Public Service Loan Forgiveness and therefore should not be forced to wait an indefinite amount of time before someone fixes the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax for my XXXX credit card account which was reporting inaccurately. I included my full credit report and supporting documentation highlighting the many inaccuracies contained in the report. I got the dispute results which did not address any of the questions raised in my dispute letter. Equifax did not meet its obligation under the Fair Credit Reporting Act. I am therefore filing a dispute so that the XXXX account can be deleted from my Equifax report for inaccurate reporting.
Product: Debt collection

Since XXXX 2010 XXXX XXXX XXXX have been trying to collect an alleged {$1400.00} credit card debt from me. They have threatened me w/ a lawsuit to collect the debt without serving me at my residential address. They have obtained a default judgement because I not present at trial and I was not aware of the lawsuit against me. I disputed their debt and asked for verification bearing proof of my signature. They have failed. They sent a list of credit card statements instead. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>Till this day they continue to report derogatory information on all 3 of my credit reports listing charge off 's every month for the last 7 years damaging my credit worthiness. Given that XXXX XXXX XXXX acted in bad faith, and have not complied with federal and state laws, I told them I would file a small claims lawsuit to seek damages in violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Debt collection

Starting on XX/XX/XXXX around XXXX is when they started calling me, and I've told them if they don't want to provide the information I requested then I would not be cooperating with them until said information was provided. The calls slowed, but now they have gotten more aggressive calling twice a day nearly once a week and constantly using new phone numbers to get around my blocking to fill up my inbox with numerous voice-mails of the same thing over and over again. It's been 4 months now and they refuse to cooperate or stop harassing me. It's extremely ridiculous to the point where I've contemplated paying the money to change my phone number. I am including a screenshot of the calls from just the last few weeks to show their constant calling and voice messages.
Product: Payday loan, title loan, or personal loan

The loan of {$1000.00} was financed on XX/XX/2022. I have made XXXX bi-weekly payments of {$250.00} totaling {$2000.00}. Due to financial hardship, I requested they remove teh ACH withdrawals from the account. They claim they will aggressively seek the remaining balance of {$3500.00}.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXXXX/XX/XXXXSSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXXXX/XX/XXXXXXXX, GA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name XX/XX/XXXXXX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX