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

This letter is written regarding several issues impacting my banking experience with Citizens Bank XXXX ID # XXXX. The headquarters for this establishment is XXXX XXXX XXXX XXXX XXXX XXXX. 

My husband and I have a joint account with this bank, and have maintained this account since XXXX. We have observed on several occasions an issue regarding our funds not being accurately represented in our available balance, thus creating reoccurring overdrafts. When making purchases over {$50.00}, my husband and I regularly check our bank balance to insure we have the fund necessary to cover our purchase. In the event that we do not have the funds, we always transfer money from our savings account to ensure the charges are covered. We have experienced on multiple occasions our available balance not being accurate, and within a day or so, the account will be over-drafted. 

Most recently, for example, our account was overdrawn XXXX. However, on Sunday, XX/XX/XXXX, we had a positive balance of ~ {$62.00}, and I transferred another {$80.00} to cover my XXXX purchase of {$110.00}. According to my mobile banking information, despite having a positive balance of {$62.00} and transferring and additional {$80.00}, my account balance today is showing my XXXX purchase over drafted my account to XXXX. Then subsequent charges followed further overdrafting the account. 

As I understand my banking agreement, when I do not have the funds available in my account to cover a purchase, my card should decline. However, my card did not decline at XXXX, nor the gas station, nor any other establishment I visited that day. 

This has been a habitual issue with our experience at Citizens Bank. We are constantly penalized with overdraft fees despite our available balance showing a positive ledger. We believe Citizens Bank to misrepresent our funds due to these issues. My husband and I both receive direct deposits to this account from our employers. On XX/XX/XXXX, I was paid {$950.00}, however due to the misrepresentation of our available funds, once my check was credited to my account, the funds were reduced to {$790.00}. That is a difference of {$160.00} that is unaccounted for. My account was not overdrawn prior to my direct deposit, and we had a positive available balance showing in our mobile banking application. 

In addition to our funds being misrepresented, we constantly have issues with accessibility our account information after XXXX XXXX XXXX. There have been several times where my husband or myself have not been able to log into our checking account to verify the funds in our account. This is incredibly inconvenient despite have the latest software and XXXX.
Product: Student loan

I initially took out a private loan through my school. It appears as though my school had an arrangement with Sallie Mae and so that is the lender I had. The paperwork was signed at the school for the loan. I was notified that there was a mistake in the paperwork and I needed to resign I was told.

This new document had different interests rates on it. I make this allegation going years back. Fast forward and Sallie Mae has now created a new company called Navient so Sallie Mae can now pretend to have no knowledge of my loan. Sallie Mae engaged in predatory lending. Had a deal with my school and knew a majority of students like myself wouldnt be able to pay. 

The harassing phone calls began in XXXX or so and continued for years. Navient has already been made to pay for accounts held under Sallie Mae. State Attorney Generals sued Navient for actions and behaviors under the name Sallie Mae.

I attended school in XXXX, one of the states that qualified for settlement. I moved to XXXX and so I was not notified. However, the damage is the same and the alleged behavior of private predatory lending is the same. Navient currently holds my private loan. Sallie Mae engaged in illegal behavior and Navient wants to benefit. When Navient benefits then so does Sallie Mae.

I should be extended the same relief as those students who were part of the settlement. Sallie Mae had a partnership with my school. This compromised my loan and caused my financial aid office to work on the behalf of Sallie Mae and not me!
Product: Debt collection

I made several attempts to have property owner to remove an inaccuracy. The property owner XXXX never responded. 
Now, Columbia Recovery is trying to collect a debt thats not validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that I have XXXX collections. The status for both is open and past due. A collection account can't be open and therefore it should not be reporting open. The fact that it is in collections means it has been charged off. A collection is by default late and past due. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Debt collector Acct # XXXX Alleged amount balance - {$360.00} Alleged Original Creditor- XXXX XXXX XXXX XXXX Alleged Original Creditor Acct # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Debt collector Acct # XXXX Alleged amount balance - {$1400.00} Alleged Original Creditor- XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX Acct # - XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in to be removed.

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

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

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 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, Equifax '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 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against Chase Bank for unjust closure of business accounts and withholding funds Dear Sir/Madam, I am writing to you to file a formal complaint against Chase Bank regarding the recent actions taken against my business. I am the owner of [ Your Business Name ], a [ Your Business Type ] business that has been operating successfully for I have been a loyal customer of Chase Bank. 

On, XXXX XXXX I was told by Chase Bank informing me that all of my business accounts with them were being closed without any specific reason provided. This sudden and unexplained closure has severely impacted my business operations, as I rely on these accounts for day-to-day transactions, employee payroll, and purchasing essential products and services for my business. 

What is even more concerning is that Chase Bank has failed to release the funds held in these accounts, leaving me unable to meet my financial obligations, including paying my employees and purchasing necessary inventory. This has not only caused significant financial strain on my business but has also damaged my reputation with suppliers and employees. 

I have made several attempts to contact Chase Bank to seek an explanation for the closure of my accounts and to request the release of my funds, but I have received no clear response or assistance from their customer service team. The lack of communication and transparency from Chase Bank in this matter is unacceptable and has left me feeling helpless and frustrated. 

As a small business owner, I rely on the services provided by financial institutions like Chase Bank to support and grow my business. The sudden closure of my accounts without justification and the withholding of my funds have put my business at risk and are causing undue hardship for me, my employees, and my suppliers. 

I am reaching out to the Consumer Financial Protection Bureau to request your intervention in this matter. I urge you to investigate the actions taken by Chase Bank against my business and to ensure that they comply with all regulations and guidelines set forth to protect consumers and small businesses like mine. 

I am seeking your assistance in resolving this issue promptly and in securing the release of my funds so that I can continue to operate my business without further disruption. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX Owner Manifestation Of The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address and SSN Card.
Product: Checking or savings account

On Saturday, XX/XX/XXXX at around XXXX XXXX, I went to the Chase Branch ATM on XXXX XXXX in XXXX XXXX XXXX. I withdrew {$100.00} and then left. The next morning, I checked my account to see how my budget was going and I noticed that there was {$900.00} missing from my checking account. I immediately called Chase to report the stolen money and request a new card. I received an ATM reversal from Chase a few days later. However, on XX/XX/XXXX, I received an update to my situation that stated the reversal had been reversed and that Chase was holding me accountable for the unauthorized withdrawals. 

I went into the Chase branch on XXXX XXXX on the XXXX of XXXX, XXXX and informed them of my situation. The branch manager helped me fill out a petition to reopen the claim and attached the police report that I filed to the document. The petition to reopen the claim was denied and the reason given was that I had made purchases in the region and used the ATM before. I tried to explain that I am a student who lives in the area but they were unwilling to look into the situation further. Since then, I have called Chase multiple times and asked them to look at the security footage from the branch and they have refused, claiming that I would need to open a lawsuit against them for that to happen. The last time I talked with them was XX/XX/XXXX and I have not received anything else since then. Throughout this process, Chase has been unresponsive and has put as many roadblocks in my way as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold my loan and it is showing on my report that it is an open loan I have contacted them twice to remove it and they have not. It is stopping me from trying to refinance
Product: Credit reporting or other personal consumer reports

My credit report contains several billing errors, particularly late payments that arent accurate. Id appreciate it if you could address these inaccuracies and update my account appropriately.
Product: Debt collection

In XX/XX/XXXX, Credit Collection Services furnished negative information to the credit bureaus about an alleged unpaid debt to XXXX XXXX for Date of Service XX/XX/XXXX. I have already paid this debt. Below is evidence of my payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The labwork was sent to XXXX XXXX for processing. On XX/XX/XXXX, I logged into XXXX XXXX 's website and paid all outstanding bills listed. As you will see in EXHIBIT XXXX, I paid a total of {$130.00} for four separate bills on that day, one of which was a bill for {$99.00} and XXXX XXXX XXXX XX/XX/XXXX. The receipt I received for this payment is attached as EXHIBIT XXXX. I've also included my credit card statement ( EXHIBIT XXXX, page XXXX ) showing that I made this payment to XXXX XXXX on XX/XX/XXXX. 

Since then, I have regularly logged in to XXXX XXXX 's website to pay any outstanding bills, which can also be seen in Exhibit XXXX ( e.g. Exhibit XXXX shows I also paid bills on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). After paying XXXX separate outstanding bills on XX/XX/XXXX, I logged into XXXX XXXX patient portal the following day to make sure all bills had been paid and that I had proof of the same. As you can see in EXHIBIT XXXX, the XXXX XXXX website, which listed the most frequent bills I had paid, indicated ( in the top left corner ) that " You have no bills due at this time. '' I called Credit Collection Services on XX/XX/XXXX and explained the above but was only told that, " XXXX can guaranty this bill was not paid. '' The representative stated that because the bill I paid was for a different amount than the amount he was attempting to collect, this was proof that a bill was outstanding. I asked if he could provide me the XXXX XXXX XXXX number for the outstanding bill so I could compare it against the specimen number on the bill with the same date of service that I had clearly alreayd paid. He could not. Following this call, I submitted proof of my XX/XX/XXXX payment via the Credit Collection Services website. I am asking that they immediately delete the negative credit information and stop attempting to collect from me.
Product: Payday loan, title loan, or personal loan

This online credit loan company needs to be shut down! They are taking advantage of consumers who are trying to rebuild their credit after a bankruptcy! They are given high interest loans ( 126  % ) interest ra tes! They can not be taking advantage of the  XXXX    XXXX   and  XXXX   XXXX  personnel who need money to pay for bills and financial hardships that arise!     I will not pay this loan back in the amount of  XXXX . If they lower the interest ra tes to 10-15 %, then I will pay have the loan back! This company is a modern day, moffia loan sha rking company!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are ran as a chargeoff. But I never received the 1099 cancelation of debt form. And because of that These accounts is inaccurate and they have to be removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed My American express account after XXXX years of on-time payments due to them dropping My spending limit from {$50000.00} to {$500.00} for NO reason. The XXXX card costs {$550.00} annually, so I asked for My annual membership fee back. They sent a check, I deposited it. XXXX months later I get a statement for {$660.00}? I closed the account on XX/XX/20, Inquired about the debt, they said they sent a " XXXX Check '' that was cashed? That never happened! I asked to have an image of both signed checks sent to Me and they never did and still have not. It was sent to a debt collector and My credit is still suffering because of their mistake. I hired a XXXX to force the end of this and he got nowhere as well. I have sent letters to corporate, no reply, spent hours on the phone, hired a XXXX with no progress. I have spent more money proving My position and it is still costing Me money every month on other accounts because of My credit rating. 
Please Help!
Product: Student loan

Navient claims that I have used 48 months of in-school deferments and I have n't been in school for a full 48 months yet. I have had financial hardships while XXXX children and placing education on hold, periodically. Navient is harassing my co-signer who have been trying to pay the loan. I am currently seeking employment, however, I have no job. I have asked Navient if I can pay $ XXXX/month, but they refuse to accept my payments. Again, at this time I can only afford {$50.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT THREE LETTERS TO THIS COMPANY ASKING THEM TO REMOVE THESE CREDITS FROM MY REPORT BECAUSE THERE IS NO CONTRACT WITH THESE COMPANIES ; THEY ARE SHOWING THE ACCOUNTS AS CHARGED OFF AND CLOSED ; AND UNABLE TO PROVIDE PROOF OF DEBT. 
UNFAIR REPORTING XXXX XXXX XXXX ( REPORTING OPEN DATE AS XX/XX/XXXX ) XXXX XXXX XXXX ( REPORTING XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNIVERSITY XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

i am having a problem with getting discover card unsecured i have had it secured since XX/XX/XXXX and they said would start reviewing my account automatically the XXXX of every month since XX/XX/XXXX i have paid all my bills on time every month with discover and all my bills on time every time i call them they tell me same automatic review thing. i put down a XXXX deposit and want to be unsecured on this card. they were very rude and unprofessional to me for asking and i didnt appreciate it discover talked to me like i was stupid for asking
Product: Debt collection

I write to complain that despite dismissals of illegal lawsuits, service of process deliberately continues as set forth on the attached. Comply with obligations by returning the summonses with a filing marked unserved and returned as case dismissed as actively pending in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Since discovering inaccuracies in my credit report related to a lease account, I have repeatedly contacted Experian to correct the errors. Specifically, they have incorrectly reported the account opening date as XX/XX/XXXX instead of XX/XX/XXXX, the XXXX terms as XXXX month instead of XXXX months, and the account type as individual instead of joint. Despite providing Experian with a copy of the XXXX agreement and detailed payment records, they have consistently failed to rectify these errors, claiming the information meets the requirements of the FCRA. This ongoing issue suggests a failure to properly investigate my dispute and correct the inaccurate reporting, which continues to unfairly impact my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that the companys didn't make sure was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, I find that untrue when there are several inaccuracies showing on my report. 
As a consumer, I request to know all the measures that were taken to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 
I have asked the credit berues for their results and they have failed to show proof or delete/update the items I personally told was inacurate.