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

I have been trying to access my Citibank bank account via the internet using my laptop computer for 4 days now. Their computers have been constantly down. I tried to get through to them by phone but was unable to. I am XXXX and XXXX and I need to be able to access my bank account online via the internet using my laptop computer. Since Citibank closed their local branch that used to be on my block I am unable to do my banking any other way except online or via ATMs. I have been trying to access my bank account these past few days because I have Citibank pay my rent to my landlord every month. So far, I haven't been able to pay it. This is getting a bit disturbing as I have no other way to pay this bill.
Product: Debt collection

NATIONAL CREDIT SYSTEMS add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA NATIONAL CREDIT SYSTEMS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Checking or savings account

I had this account closed on XX/XX/XXXX was told account would be closed on XX/XX/XXXX and had to wait 30 days for my checking for my closed accounts. On XX/XX/XXXX still havent received any money on my closed accounts. Then on many different dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX call dates and many emails back and forth about getting my money and getting a corrected 1099-INT which they sent to IRS saying that I got {$100.00} in Interest on a CLOSED ACCOUNT and never even received my money from this account. 

I have tried everything and I want my money and NO ONE seems to care or be willing to help so I want to know what to do if you cant and wont help me then guess I will see what legal action I have to take now against since no one cares since its not their money or concern. I saved all of the emails but not ONCE did anyone call or respond to any of my questions and concerns except for the standard automated replies. I do have some references/ticket numbers that I demanded to help track my calls and requests. 
I want MY MONEY AND CORRECTED 1099-INT FROM CHIME BANK ( THE XXXX XXXX XXXX XXXX Im not going to pay taxes on money that I still havent received and NEVER GOT THE INTEREST ON CLOSED ACCOUNT OR THE MONEY!!! Isnt this against the the law to not correct and withhold someones money. 

I need to know what my next step is and if I have to get a LAWYER I WILL AND I WILL MAKE SURE SOMEONE ELSE WILL END UP PAYING FOR THE LAWYER AND COURT COSTS TOO AND IF I NEED TO GET THE NEWS AND ANYONE ELSE THAT WILL LISTEN TO REPORT THIS. I wonder how many other people they are doing this to and if Im the only one that is definitely not fair either.
Product: Credit card or prepaid card

Attempted to open a pre-approved account with XXXX, issued by XXXX XXXX XXXX, and was denied. Tried dealing with them by mail as they do not show a telephone number and was told SSAN mismatched, then that they do not show any record of the application. Suspect bait and switch or other tactics in order to pull a hard inquiry on my credit file.
Product: Credit reporting or other personal consumer reports

I am urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXXXXXX XXXX Installment account with account # XXXX XXXX Installment account with account # XXXX XXXX Installment account with account # XXXX XXXX revolving acct with acct # XXXX XXXX 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

In sight of that my last complaint was over looked Im going to separate each account so they can get resolved accordingly. I am in need of help because I am being harassed by a debt collector who is sending letters of intent to sue. In accordance with the Fair Credit Reporting act. The ACCOUNT below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have told the XXXX, XXXX, and Equifax multiple times to reinvestigate ( Equifax ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 
However they stated, Equifax Information Services LLC response Company responded on XX/XX/2023 A summary of the results are listed below : Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CREDIT LIMIT, ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, ADDITIONAL INFORMATION Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED NON REPORTING DISPUTES and XXXX XXXX XXXX XXXX XXXX XXXX Response Company responded on XX/XX/2023 In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXXUPDATED ; I have not heard anything from XXXX yet ; Equifax and XXXX have stated everything was complete and accurate. But how is that possible if Last Verified is inaccurate yet updated twice, Date of Last Activity is inaccurate yet updated twice, Date Reported is inaccurate yet updated twice, Date Opened yet updated twice, Dispute Status is inaccurate yet updated twice, Payment Status is inaccurate yet updated twice, Last Payment is inaccurate yet updated twice.

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. Also the Credit bureaus took more than 30 days to complete my investigation ; certified mail tracking COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2022 I filed bankruptcy and Oportun personal loan was included in that bankruptcy. Oportun are still showing my account as being open with XXXX. They need to contact XXXX to let them know my account was closed back in XX/XX/2022 and add a remark to that account on my XXXX report showing the account as closed and no late payments.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX  says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/ & XXXX XXXX Date of Inquiry XX/XX/
Product: Checking or savings account

My name is XXXX XXXX and I have power attorney for XXXX XXXX. XXXX is in XXXX  in Florida XXXX. I opened an account for him with the help of a branch manager at chase bak in XXXX XXXX Oklahoma. After the account was opened I deposited XXXX stimulus check for him. I was able to withdraw XXXX and then chase locked his account. Closed it. And took the money. I have made several attempts to realize this on XXXX behalf including asking them to mail the refund to his XXXX trust account with the state of Florida. He has written several notarized letters to them. We ve also submitted a durable power of attorney to them. They owe him XXXX and refuse to give it to him
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint to report a serious breach of my privacy and a likely unlawful access to my federally protected student loan records. I believe that XXXX XXXX, either directly or through channels connected to the XXXX XXXX XXXX XXXXXXXX ( XXXX ), has accessed my federal student loan information without my consent, without legal authority, and without clearance under any existing federal statute. 

This constitutes a potential violation of several critical federal laws designed to protect borrower data and prevent unauthorized surveillance or data mining, including : 1. Family Educational Rights and Privacy Act ( FERPA ) 20 U.S.C. 1232g Protects education records from unauthorized disclosure or access, except to explicitly authorized parties.

2. Privacy Act of 1974 5 U.S.C. 552a Prohibits unauthorized access or dissemination of personal information maintained by federal agencies.

3. Higher Education Act 20 U.S.C. 1098g Limits use or disclosure of federal student loan information solely to statutorily approved purposes.

4. Computer Fraud and Abuse Act ( CFAA ) 18 U.S.C. 1030 Makes it a crime to access protected government or federal systems without proper authorization. 

To my knowledge, XXXX XXXX does not hold any official position within the U.S. Department of Education nor is he lawfully authorized to access federal loan servicing platforms or student data repositories. His involvement via the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) raises serious concerns about potential systemic misuse of government infrastructure or partnerships for private surveillance or data analytics on borrowers like myself. 

Remedy Requested : Due to this egregious violation of my privacy and unlawful access to my federal student loan information, I am demanding that all of my federal student loans be forgiven in full. The breach of federally protected data, especially by a high-profile figure acting without statutory clearance, warrants immediate and full debt relief as a compensatory measure. 

I respectfully request that your office initiate a formal investigation into : 1. The nature and extent of DOGEs involvement in federal loan data systems.

2. The role of XXXX XXXX or affiliated entities in accessing or influencing this data. 
3. Steps toward immediate forgiveness of all affected borrower accounts, including mine, due to this breach. 

Please acknowledge receipt of this complaint and notify me of next steps in your investigation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

My complaint is against I C SYSTEM INC account # XXXX. This collection company cashed out a check back in XXXX for the amount of {$490.00} with the condition that the account was going to be removed from al 3 credit bureaus. They chased the checkout but didnt remove collection from all reports. This is a clear violation of the FCRA and legal action is going to be taken in the event that this mentioned company does not remove collection from my reports. Im attaching a copy of the check this company cashed in with written condition of deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several reports with Experian concerning XXXX XXXX agency. I have also sent letters to XXXX. They have not properly validated the debt and each time that I filed a dispute with Experian. On XX/XX/XXXX I filed a dispute with Experian and they responded back two days later that the company said it was verified which was XX/XX/2018. I later called Experian and spoke with a representative and she said this is done by a computer. How are they investigating anything if it's done by a computer? On the XX/XX/XXXX I then filed another dispute regarding XXXX XXXX XXXX and how they did not respond to any of my letters in the 30 day FCRA and it came back verified with Experian again. They have not provided viable evidence bearing my signature or provided me copies of any documentation associated with this account, bearing my signature. Given that I believe they are acting in bad faith, and have not complied with the federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC 1681 section 602 a states : I have the right to privacy.

15USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

On XX/XX/2022 I attempted to make a {$1000.00} withdrawal from my Ally checking account using a XXXX XXXX XXXX XXXX ATM. 

The transaction was cancelled at the terminal and no funds were disbursed. 

Nonetheless, Ally Bank debited my account for the funds. 

It has been XXXX days since the error occurred and Ally refuses to return the funds to me claiming, instead, that it will take them XXXX business days to review the dispute and another XXXX business days to disburse funds assuming they decide in my favor. 

With weekends and holidays included I am apparently expected to pay my bills with Ally Banks assurances that it will only take them a month to return funds that are rightfully mine to my account. 

No doubt my landlord will be delighted to hear this news and I can only imagine the ease with which I'll be able to purchase groceries or pay for my car using their dispute policy as collateral.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian Credit Bureau is reporting an unverified information on my Credit Report. As I have stated on the letters and complaints I submittted, I never made this inquiry neither did I authorized anyone to inquire about this on my behalf! I have been a victim of identity theft and I never received anything as a result of the theft of my identity. Is it that hard for Experian to understand? I have been asking for Experian to provide me copies of documents bearing my signature to support their claim that this inquiry was made by me or by anyone I authorized but they have not given me anything! Is it that hard for Experian to verify a disputed inqury? Since nobody cares about this Inquiry, the only option is to remove it from my Credit file which was never done by Experian. My Legal counsel and me are halfway through complete to filing a lawsuit agains the Credit Bureaus because of their willful non-compliance of the FCRA regulations. And if Experian chose to not comply with my requests to remove the disputed inquiry on my Credit report, I will be adding this charge to my lawsuit against the Credit Bureaus. I need this inquiry removed from my Credit Report now! 
XXXX. XXXX XXXX, XXXX XXXX XX/XX/2021
Product: Bank account or service

I, XXXX XXXX, had an active account with USAA, which I had for several years with no problems. Approximately around XX/XX/XXXX-XX/XX/2015, I alerted USAA of fraudulent activity on my account. This was the result of me losing my bank card and it was being used in another state. I am a XXXX veteran with memory loss which I have to write pin numbers on the back of my cards to avoid forgetting. I personally advised USAA that monies was taken out and deposited into my account fraudulently. At this time XXXX of my children 's accounts were linked to mine. All XXXX accounts were frozen which caused a financial hardship on my household. After an investigation was completed, my children 's accounts were released but as for mine, I was advised that it was thought that I had knowledge of the fraudulent activities and was no longer allowed to have an account with USAA again. I do not agree with this decision considering I am the one that advised of the activities. I live in Alabama and the activities occurred in XXXX ( I believe ), how in XXXX world could I, would I partake in such a crime. I am a Veteran with morals and character of an upstanding citizen of the US. I respect whatever decision was made although I do n't not agree. I opened an account with XXXX XXXX XXXX XXXX which I ca n't utilize due to to a restriction from USAA. Please allow me access to a new account. thank you for your time and consideration
Product: Mortgage

We are defending Foreclosure in XXXX XXXX NJ XXXX vs XXXX XXXX  XXXX XXXX for XXXX XXXX XXXX XXXX XXXX Plaintiff & their debt collector XXXX firm XXXX XXXX XXXX XXXX 
The Plaintiff is now trying to use a page from the XXXX XXXX modification regarding Errors & Omissions, see attachment, as a basis to reform mortgage without a mutual mistake as required. 
Rushmore Loan Management who became Rushmore Servicing aka Nationstar LLC mailed a letter that the Errors & Omissions page can not & will not be used in any future proceedings and can be ignored as invalid by Rushmore.

We are asking CFPB to demand Rushmore 1. Provide that letter to both XXXX and the NJ XXXX XXXX for XXXX so the Judge is fully made aware that the Plaintiff & debt collector XXXX  firm, are breaching the words and terms of that letter and the modification and can not use as any exhibits or motions in Foreclosure case. 

We need CFPB to demand Rushmore produce this letter within the next 10 business days at email XXXX & hard copy mail address XXXX XXXX XXXX XXXX XXXX NJ XXXX.
Product: Debt collection

XX/XX/18 Mailed a copy and sent a copy of sprint correspondence stating the account is clear and no money is owed. Called XXXX and the person who was looking into my account is no longer there. I sent a letter to diversified adjustment services stating what XXXX is saying, telling them to stop contacting me. A few weeks go by and I hear nothing. Now today XXXX they have called 6 times every minute so far. This is harassment and I will be hiring a lawyer today to deal with them on my behalf if it does not stop. I am disgusted by their tactics and blatant disregard for the law. I am now as of XXXX XXXX  on XXXX up to 109 calls in the past 40 minutes. Now at XXXX I am up to 142 calls. Attached is calls documented as well as XXXX saying the debt is not owed.
Product: Debt collection

Credit Collection Services to XXXX from my tax return when thy had been informed I am in the process of bankruptcy I had told them and gave them my attorneys number and asked them not to contact me in anyway and that they had to contact my attorney well they went and took part of my federal a refund and they didnt XXXX me so I think something should be done and my XXXX $ returned. Its not much but Im in the process of XXXX as wel and I have no income and just had XXXX XXXX XXXX. They shouldnt be able to get away with that! Thank you. They are located in XXXX XXXX
Product: Money transfer, virtual currency, or money service

I need to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get this matter resloved with Transunion. I have supplied ample proof of my Information being compromised via the XXXX hack ( XXXX ), Government hack ( XXXX photo provide in CFPB complaint number XXXX ). You added a fraud Alert but are refusing to vaildate the XXXX account. Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Your fraud alerts do not work at all. I attempted to place a Credit Freeze on my account and was unble to. You are paid everytime someone runs someones credit so your only intrest is your bottom line. You have had 180 days to investigate this and still cant come up with the correct solution. Transunion cant vaildate this debut because the company is unable to validate this debut. This accoun should be remove within 3 business days. This violates the Texas Fair Debut collection practices act, established for this reason.Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Product: Student loan

Interest is being accrued and payments are due despite Covid relief measures in place. AES is the servicer. I have been required to make payments since XX/XX/2022. Interest is being charged and has been charged throughout Covid. I have XXXX subsidized and Unsubsidized consolidated loans. I received the maximum pell grant amount while I was in college. Who is receiving the interest being charged to my account?
Product: Student loan

As a full class member of the XXXX v XXXX lawsuit, and referencing my approved XXXX XXXX to Repayment application under XXXX XXXX # XXXX, I had applied for loan discharge based on the Department of Education 's acknowledgment of XXXX 's fraudulent practices during my enrollment. 

However, I recently received correspondence from FirstMark Services stating that I am not eligible for loan discharge. This is concerning to me, as the borrower defense application approval ( # XXXX ) clearly indicates that I am entitled to relief due to the fraudulent actions perpetrated by XXXX XXXX