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

On XX/XX/2021, I made two checks deposit via ATM at Chase, one check is {$50000.00}, another one is {$53000.00}, a total of {$100000.00}. 

On XX/XX/2021, I received a letter from Chase saying that my checking would be closed, they may be able to keep my account open if I have the information they requested, so I called XXXX on the letter. 

Chase said they couldn't verify those two checks, Chase asked me to go to the branch with the check maker ( the account owner ) in person so that they can verify the check maker 's identity. I said the POA wrote me the check, not the account owner, and during Covid-19, it's not safe to go to the branch in person, if there is any other option. Chase replied I can go to the branch to speak with a banker, so that they can make a conference call with the POA. 

On XX/XX/2021, I have an appointment at Chase XXXX XXXX XXXX XXXX with banker XXXX XXXX, XXXX called Chase Fraud dept, spent an hour, even though I provided the POA 's information ( phone number, name etc. ), Chase fraud depot said they are unable to verify the phone I provided, my account was restricted, they insisted I need to go to the branch with the POA in person. 

On XX/XX/2021, the POA told me those two checks were cleared in her account, so I called Chase again to see what chase need to verify. Chase went through the same process again, asked me to provide the POA information, then said unable to verify the phone number, need me to go to the branch with POA in person. 

On XX/XX/2021, I went to the XXXX branch with the POA, and spoke with banker XXXX XXXX, we provide all the documents and identification that Chase requested, XXXX XXXX called and scanned all documents to Chase Fraud dept. 

On XX/XX/2021, I log in to online banking, see the fund was available, so I called Chase to see if my account was unrestricted. The first Chase representative asked me to go to the branch with the POA again, they didn't receive any document from me. I told her I already went to the branch twice, she insisted I need to go to the branch with the POA. Therefore, I asked for the manager. The manager said my account was already closed due to the banker didn't call them on the day I provided documents, my account was closed and I would receive the cashier 's check for the remaining fund in my account. ( PS. I was in person at the branch and did see the banker talk to them over the phone ). 

On XX/XX/2021, I log in to online banking, my checking account disappeared. I can no longer access my bank statement and other documentation. 

On XX/XX/2021, I called Chase twice, each time hold for about 15 minutes then someone picked up the call, then calls got hang up twice. 

On XX/XX/2021, I called Chase again, they confirmed that I would receive a cashier 's check for the remaining balance in my account, but they were unable to provide the tracking number at this time. 

On XX/XX/2021, I received a cashier 's check for the amount of {$100000.00}. My account balance was XXXX, Chase didn't send me all my fund.
Product: Vehicle loan or lease

In 2015 I was involved in an accident, which resulted in my vehicle being deemed a total loss. On XX/XX/15 my insurance company, XXXX XXXX , paid Regional Acceptance Corporation {$12000.00}, the fair market value. Any deficiency was covered by my Gap Insurance with XXXX XXXX XXXX. 

I received information my account was paid in full. However, it is currently showing up on my credit report as a chargeoff with numerous late payments. This is inaccurate. 

I've requested a full accounting record from Regional Acceptance, and disputed this matter with the credit bureaus requesting this inaccurate information be completely removed from all credit bureaus. To date, I have not received a full accounting record of all charges, and the information is still appearing as a derogatory mark on my credit reports.
Product: Debt collection

Medical Data Systems contacted me to pay {$540.00} online. I have never done business with this company or know of any debt owed to them. 

XXXX ( EID = XXXX )
Product: Debt collection

Southwest Credit Systems refuses to provide information regarding the debt they claim I owe. Beyond that the debt they are attempting to collect is beyond the statues of limitation and is being reported illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I reviewed my credit report and was in shock and disbelief after discovering an auto loan account that was never mines and also appeared to be reporting inaccurate data or information. I've reached out to Transunion several times since XX/XX/XXXX with disputes ranging from dispute letters, Identity theft affidavits and a police report as the Federal Trade Commission suggest when you've been a victim of identity fraud. Upon researching laws under the Fair Credit Report Act I also realized that this account had not been blocked as per section 605b states once a consumer notifies a bureau he or she has  been a victim of identity theft. In addition, how can XXXX  currently be reporting the last payment of this account was XX/XX/XXXX WHEN IT CLEARLYSHOWS THE LAST ONTIME PAYMENT WAS MADE XX/XX/XXXX?? THAT IS OBVIOUS INACCURTE INFORMATION AND GROUNDS FOR REMOVAL FROM MY CREDIT REPORT ALONE. Transunion seems to have simply ignored my information ( Identity theft affidavit and Police Report ) since this account still appears on my credit file. I find these actions unjust and deliberate violation of the Fair Credit Reporting Act sections 609 and 611. After submitting all the necessary documents to support my claim, this account should not be reporting on my credit file period. I am well educated when it comes to consumer laws and rights of the FCRA and for XXXX to attempt to accuse me of using a credit repair company would be not only false, but a deliberate refusal to honor my request. I am filing this complaint in attempt to try to resolve this matter
Product: Credit reporting or other personal consumer reports

ChekSystems refuses to provide me with my consumer report despite entering all of my ID information and answering their XXXX  security questions correctly.
Product: Debt collection

I received a collection letter from Credit Collection Services XXXX XXXX XXXX, XXXX, MA XXXX. This is in connection with XXXX XXXX XXXX XXXX, a local telephone company that is widely known to engage in fraudulent billing. for years we had our service with them on a monthly fixed rate. All of a sudden, they started charging bogus charges. We contacted them and they admitted that these charges were not applicable. They promised to issue a credit. The promise never materialized. As this was going on for month after month, we were unable to get the credit on our account I closed this account and paid all legitimize charges, and deducted the overcharges. I also contacted the New York State Public Service Commission which told me not to pay any of the overcharges. Now XXXX placed me on collection through Credit Collection Services and contacted all 3 credit bureaus and my credit rating plummeted. I send a letter to Credit Collection Services and XXXX. The responded with a studied silence.
Product: Vehicle loan or lease

XX/XX/18 purchased car from XXXX XXXX XXXX & gave XXXX down ( CCM financial llc ) XXXX I spoke with CCM and asked them to take payment. 

XXXX they repod the car. 

XXXX I called CCM and asked why they took if they were supposed to take payment. From my debit card got hung up on & when I called again they were closed XXXX called again and got out on hold and then forwarded to a vm. Left vm XXXX called & requested the total amount due XXXX order to redeem the car, & planned to make the money gram payment same day, lady told no can do theyre deciding to close out my loan for good with no option for redemption and were unable to give me any more information and hung up on me. Called back and continued to be hung up on saying you dont have an acct with us we cant take your call XXXX I called for an explanation of why they werent wanting to let me redeem my car, and asked why I havent been called or sent any letters or anything and they said theyre not required to disclose anything to me since my acct is closed. 

XXXX I called to ask about my things that were in car and got hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpo
Product: Credit reporting or other personal consumer reports

Experian has been reporting a dlinquant account under my credit report which I do not recognize and no other Bureau show either. I have disputed the information on : XX/XX/XXXX to which they responded in XX/XX/XXXX - only responding that the line of credit from that company ( XXXX XXXX XXXX ) has certified the existence of the account - but didn't not provide any document. 
After calling to no avail, I reponed another dispute on XX/XX/XXXX, which resulted in XXXX charging off the account in XX/XX/XXXX. 
I reopened the dispute in XX/XX/XXXX and now XX/XX/XXXX to absolutely since the account still continues to produce additional charges that keep impacting my score with no resolution or element of proof from either Experian or XXXX. 

I have no idea what/who is XXXX ; and my Experian score is in the XXXX for the past year and a half when it was in the XXXX before that fraudulent account. 

More info on the aforementioned account : Account info Account name XXXX XXXX XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance - Highest balance {$1500.00} Terms - On record until XX/XX/XXXX 2029
Product: Credit reporting

XXXX XXXX, Activity Designator Should be " Paid and Closed '' The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2015, the Pay History was space filled with NR.
Product: Checking or savings account

In the whirlwind of the past XXXX months, where Chases abrupt and unexplained shutdown of my account precipitated a cascade of financial and personal upheavals, the complexities of my situation have only deepened. This shutdown, a stark and brutal cutoff, left me with no means to manage, much less repay, my credit card debts XXXX XXXX XXXX XXXX, XXXX, and Chase accounts. Chase, serving as my sole financial conduit in the United States, became a barrier to the very obligations I sought diligently to fulfill. 

The sudden inability to access my funds not only resulted in XXXX late payments but also underscored a grave oversight by Chase : the failure to issue a final check. This critical lapse has extended the tendrils of disruption into the very foundation of my life here, including my academic pursuits. Each month, as I reached out to Chase, I was met with a bureaucratic labyrinth that offered no respite or solutions, merely elongating my distress and deepening my anxiety and XXXX. These mental health challenges, spawned by relentless stress and uncertainty, have forced me into a leave of absence from my studies, jeopardizing my educational trajectory and placing me at imminent risk of deportation. 

My repeated inquiries and pleas for access or at least some form of resolution were continually disregarded. The late payments labeled on my credit history are not just markings of financial slip-ups but stark indicators of a failure by my bank to provide basic access and services. Now, with the absence of the final check, my financial stability is more threatened than ever, pushing me toward potential expulsion from my academic institution and the country. 

This situation raises critical questions about the responsibilities of financial institutions to their customers, especially international students and other vulnerable groupswho depend heavily on these banking services for not just financial transactions but their legal residency and right to study. The dispute over these late payments transcends mere financial inconvenience ; it touches on fundamental rights and the duties of a bank to act not just as a business, but as a custodian of trust and security in its customers ' lives. I am now at a juncture where resolving this dispute is not just about correcting my credit record ; it's about restoring my lifes path and securing my future in the United States. This plea for my final check and the reversal of the late payment records is a plea for justicean urgent call that Chase rectify the profound errors that have marked this harrowing chapter of my life.
Product: Credit reporting or other personal consumer reports

hello I am reaching out for the cause of a Dispute of Inaccurate Credit Report Items with Equifax, XXXX, and XXXX. I am writing to formally dispute XXXX items on my credit report, specifically XXXX XXXX and XXXX. While searching for a home for my family, I discovered that these items were inaccurately verified. Despite never having a contract with XXXX XXXX, and XXXX 's statement that they do not own the account, they continue to report to the credit bureaus. The credit bureaus ' investigation, completed in under 24 hours, failed to provide the investigation process or proof of contract with a wet signature, as requested. however, XXXX XXXX did remove credit elections! I kindly request that these items be removed immediately, as their inaccuracy is hindering my ability to provide a safe shelter for my family. I have attached relevant documentation. Thank you for your prompt attention to this matter. Please do not hesitate to contact me at XXXX if you require further information.
Product: Credit card

I received a letter in the mail a few months after applying and opening a united XXXX XXXX and amazon XXXX credit card with Chase. I always pay way more than required on the card, even sometimes making the payment the same week as a purchase. 

I received a notice that my accounts were going to be closed due to a " personal investigation '' on me. I was XXXX XXXX XXXX XXXX XXXX XXXX OVER 5 years ago! I have paid my dues, have completed all XXXX XXXX XXXX, XXXX XXXX XXXX. I have also worked hard to rebuild my life, build my credit, and was excited to make these progresses. No current investigations are going on, this is all old! I am not sure how my criminal record from so long ago has to do with my credit, if that's the case, it shouldn't have been open to begin with. When I called and requested information, nothing was provided, just told to refer back to my letter. I want to continue to build my credit, and make good with these credit cards. Not back track, because now not only will my credit score drop, because of the closed accounts, but my credit utilization will be significantly higher since those credit limits will be removed but the amount owed will not be. 

PLEASE help me keep these cards open. I've paid my dues, and punishing me for my past is not fair. Just decline my application, not approve me, then close all my accounts that are in good standing. On the application it doesn't ask my criminal history, so not sure how this has to do with my account being closed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion 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, TransUnions 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 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, TransUnions 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 TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I applied for a refinance with Elend and they took my credit card number and assured I would not be charged anything until the process was complete. They ordered an appraisal and charged my account before I was approved. They then tell me they may approve the loan in I took cash out. They just wanted to charge me more and make more money. They will not credit my account. They lied about it to get me to give them my account info. They said I ordered the appraisal.
Product: Mortgage

Specialized Loan Servicers LLC The company bought a loan from XXXX  XXXX XXXX and immediately started harassing me and trying to change the terms on the loan documents and agreements made with XXXX  XXXX XXXX. I have written letters and spoken to " agents '' who are rude trying to explain to them that I have a HELOC and do not have an escrow account. I have not had an escrow account in 20 years. I paid my taxes, late sometimes but I always paid them. XXXX  XXXX XXXX paid two years of taxes for me and told me they would add the amount on the back end to my balloon payment, trying to help me out. I was fine with that. As soon as Specialized Loan Servicers LLC took over they started pressuring me for the amount and sent a statement with monthly payment @ {$16000.00}. Then they took it off and I guess put it on the back end after I confronted them. Next they started saying I didn't have insurance and they did forced place insurance without giving me enough time to find insurance. They force placed insurance for @ {$8500.00} a year and set up an escrow. I found insurance 45 days later for {$2300.00} and I am paying payments. They sent a letter saying they would remove escrow but they didn't and upped my payments to include escrow for the 45 days and escrow for the {$2300.00} which I am paying directly. I continued to pay my monthly payments but they put them in a suspense account and refused to credit them as monthly payment and again put the {$16000.00} on the monthly payment which was now {$19000.00} for a deficiency in escrow. I have repeatedly told them I do not have an escrow account - never have and I am paying the insurance and will pay the taxes, even if late. They are now trying to foreclose in the middle of caronavirus pandemic. They have been trying everything to foreclose on my property since they got the loan. They think it's worth a million dollars which it is not because it needs lots of renovation bathrooms are from 70s and everything is old and run down. I see that you recently won a class action lawsuit against them. In forty years I have a XXXX  and deal with many banks and loan companies and this company is the worst I have ever experienced. They operate like criminals.
Product: Credit reporting or other personal consumer reports

I recently discovered my information was exposed in the Equifax Data Breach. I then noticed several fraudulent accounts impacted my credit report caused by the Equifax Data Breach. 

I am attaching a copy of the accounts to this complaint. XXXX XXXXXXXX XXXX XXXX {$3500.00}, XXXX XXXX {$4600.00}, XXXX XXXX XXXX XXXX {$3200.00}, XXXX XXXX XXXX XXXX {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reported to owe a debt to Bank of America. It is reported to my XXXX credit report. I have tried contacting the creditor and provided my social security number and yet they do not have any information. I did not open the account and have been given no evidence of the debt.
Product: Credit card

I have a XXXX. When choosing a credit card company, my wife and I are always careful to choose a company that has strong system to monitor unusual or suspect activity, which Chase clearly advertises. Also, our credit limit was to be {$24000.00}, but Chase enabled charges of up to {$55000.00} within the same cycle with daily transactions of up to {$10000.00} ( which would be both unusual and suspect ) without consistently alerting either my wife or me. We incurred more than {$60000.00} in credit card debt and were able to bring that amount to {$41000.00} with no means to make the minimum payments. We immediately reached out to Chase to explain our situation and believe that Chase should also be liable for the fact that they did not fulfil their duty of protecting their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I was going to take out my first loan on a car and the first time I was ever going to check my credit report. Transunion has me as deceased and after numerous calls to fix the issue, they have given me the run around. Below are dates and times. 
-XX/XX/XXXX : received denial letter for car loan as it said I was deceased. 
-XX/XX/XXXX called transunion and they said they would take care of it. 
-XX/XX/XXXXwent to social security office and they told me they were all good and it could be human error on transunion part and to follow up. 
-XX/XX/XXXXcalled transunion and the automated said my social security was under maintenance. 
-XX/XX/XXXX called transunion and they said they do n't have any documents regarding my social security and would need to file another complaint. 
Nothing is getting done and I 'm just tired of getting the run around with this company. I 'm not decreased and it 's the only company that has me listed as such. It really weighs on me because I was going to buy my first car and really waited til I was XXXX years old to do this. I wanted to be responsible and now because someone else 's irresponsibility, I 'm stuck and in their eyes, dead.