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

On Friday, XX/XX/year>, US Bank locked the bank account for my nonprofit, preventing me from logging in online or via the mobile app and preventing me from accessing my balance. I called the bank 's customer service line and they told me the account was " flagged for closure '' and I would receive a letter via US Mail along with a cashier 's check for my balance. I have never received the letter or the cashier 's check. I have called the bank and the branch assigned to my account seventeen times over the past two weeks and spoken to multiple representatives. They will not escalate me to a supervisor or provide any additional information. They say I just have to wait to receive the letter and the cashier 's check for my balance. When I call the branch manager assigned to my account, I was able to speak to him one time to explain and he said he would get back with me before the close of business on the same day. He did not contact me that day. A few days later, he emailed me a screenshot of his internal system without an explanation and said he was going to escalate it further for more information. That was seven days ago and I haven't heard anything since. When I call him now, I always get voice mail and leave messages but he doesn't return my calls or my emails. I have called him several times. One time he asked me to hold and left me there for more than 15 minutes without ever returning. Another time I tried to call him, he hung up on me immediately after he answered the line. I have tried multiple other customer service numbers without any success. One of the bank representatives I spoke with told me a check I deposited on XX/XX/XXXX has " been returned '', but that's highly unlikely since the company who wrote it to me is a very large corporation with plenty of funding. If it is true the check was returned, that's okay but I need to have that information so I can go back to the company and ask for a replacement. Unfortunately US Bank won't give me any further information. They've seized my account and are holding all the funds ( even those unrelated to the deposit in question ) without any explanations or resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Dispute of Inaccurate Information Under Section 1681o of the FCRA Dear Sir/Madam, I am writing to file a formal dispute concerning inaccurate information on my credit report, pursuant to Section 1681o of the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit report and found the following entry to be incorrect : Account Information to Dispute Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Reported Issue : Inaccuracy of reported information Reason for Dispute : The financial institution, Experian has engaged in billing practices that violate consumer rights as established under Law 1081O. I was charged fees that were not clearly disclosed at the time of agreement and have not been adequately explained upon my request for clarification.

I am requesting that the inaccurate information be investigated and corrected in accordance with my rights under Section 1681o of the FCRA. I believe the information reported to the credit bureaus is incorrect, and as such, it is affecting my credit score and ability to access credit. 

Please note that I have already attempted to resolve this matter directly with the credit reporting agencies, but the issue remains unresolved. I am now requesting your assistance in investigating this matter further. 

In line with Section 1681o of the FCRA, I kindly request that the CFPB review this issue and help facilitate the necessary corrections to my credit report. Please provide written confirmation of your actions and findings. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have request several times to have this information corrected to no avail its XXXX and its still reflection on my credit file. Also Equifax XXXX especially and XXXX has very old accounts on my credit report from XXXX XXXX XXXX XXXX which are very old even if the account says closed I have ask those old accounts to be removed from my credit file to no avail they still are listed and I want them removed. I only have XXXX name XXXX XXXX XXXX I only have XXXX address XXXX XXXX XXXX XXXX, I want all other names and address removed from my credit file and forward me a new copy of the credit report. Sue to the new Law these bureaus are not practicing the law and I want them hel accountable for not proper handing and misusing my credit file. Consumers must be provided with all sources for the information included in their file, including from the original and other sources, so they can correct misinformation. Consumers only need to make a request and provide identification to get their report rather than using specific language or lingo. The report must be presented in a way an average person could understand and include the sources of information. 

The CFPBs advisory opinion has no effect on formal rulemaking but highlights the bureaus top concerns. It comes as the CFPB considers expanding and updating federal credit reporting standards under the Fair Credit Reporting Act. 

This is a statement from CFPB and I want my credit report fixed properly this time. Fix it and send me a new credit report reflecting the changes.
Product: Vehicle loan or lease

I had a lease with Hyundai that ended in XX/XX/2019. I returned the car and everything was fine. I never heard from Hyundai again.. Then one day i get a phone call from a collector stating that i owe Hyundai {$430.00} for fees at the end of the lease. I immediately paid the amount they claim i owed. Then i went to apply for a mortgage and my credit score had dropped from an almost perfect 800+ score to a XXXX! I was extremely surprised and unaware why. When i looked into it, it was because Hyundai reported that i was 30 days late in XX/XX/2019, 60 days late in XX/XX/2019 and account Charged off in XX/XX/2019. I have NEVER been late on anything on my credit report EVER. Hyundai NEVER called me to let me know i was late or even owed them any money at all. I never got any bills in the mail from them either. This is not accurate information and is completely unacceptable.
Product: Checking or savings account

Chase bank, no day wrong for this man they know they wrong they know they wrong didnt give that money up and not that man is gone
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am so frustrated about XXXX company and how it works their system. honestly, I tried everything that I can and even sent them the statements. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX My account number is XXXX opened the account XXXX 2017 This is what they are sending me the last two months. XXXX has completed your dispute for Confirmation Number XXXX and nothing changed Please fix this issue. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in  XXXX  I had a water main burst on my property, which caused my crawl space to flood. This caused quite a bit of damages, which my homeowner 's insurance refused to cover. I had several companies give me quotes for repairs, and settled on  XXXX   XXXX   XXXX  because they were the only ones who offered a payment plan.     I first had my load processed with  XXXX   XXXX , and my payments started on  XXXX  of  XXXX . The interest rate was something ridiculous, ner 18 %. I paid a large lump sum payment on my first payment, and my plan was to refinance the loan with another company for a lower rate. This large payment essential paid my account forwa rd 2-3 years as we ll. The first problem arises on m y CBR, sh owing a debt of ove r 20k, whic h is incorrect. My loan was only for  XXXX . I have attached a document with a screenshot of this information. I have filed a complaint on this with the CO Attorney General on this matter.     Aft er 4-5  months,  XXXX  transferred or sold this loan to  BB & T, w ho claim I mis sed 3 pay ments, and then charged off my loan. I have attached a second document showing this on my CBR as well. Loans I thought were only to c/o a fter 180 days  of delinquency? This loan only show s 3 m issed payments, which I do not believe were missed as the lump sum payment I made in the beginning should have still covered the period when the loan charged off. Showing  XXXX  of  XXXX .     I have been trying to get this issue resolved for almo st 2 yea rs. I have n't received a bill in near ly 3 ye ars, and in the past it had been nearly impossible for representatives f or BB & T t o locate my acct when I called in etc. In the time since the loan charged off I finally received a few phone calls, and set up a payment plan with the company ; however after months of being on the plan I received a letter stating, they can no longer auto debit my acct. I tried to contact the company and had the same issues locating my acct. Until recently I have n't heard from  BB & T  until recently I began getting calls again, and the loan is showing delinquent on my  CBR a gain. The loan has not been sold to a  3rd party , its still w ith BB & T an d when I spoke with a supervisor they said there was nothing on my account in regards to the payment plan I had been on for months.     I think this is wrong, and I need someone to help me with this issue. As I said earlier I have been trying to rectify this for quite some time, I have n't received a bill in ne arly 3 y ears, and never received a final demand letter etc. As you look into this I think you will find some wrong doing or negligence on  BB &  Ts part, along with incorrect  CBR  reporting. Any help or advice would be much appreciated. On the attachments I have provided you can see the incorrect balance reporting ( difference between  XXXX  amount an d BB & T )  and where it shows I only missed  3 p ayments, then the loan C/O.
Product: Student loan

I borrowed approximately {$20000.00} years ago. When I was XXXX, I went on an Income-Based repayment plan. I paid {$67.00} per month based on my income. The plan allowed me to pay based on my income until I was XXXX. I am currently XXXX. 

ED Financial, a student loan borrower 's nightmare, and most likely a scam company, called me and " persuaded '' me to " consolidate '' my loans over the phone ( no signature ), even though they had already been consolidated years ago. I now owe {$65000.00} according to ED Financial. They want me to pay {$500.00} per month until I'm XXXX. This is absurd. 

Loan terms, if they are changed, can not be to the detriment of the consumer, which this clearly is. I am also challenging the amount that I owe on my student loans. ED Financial pulled this number out of thin air, and I know this because their own customer service rep could not provide my loan history. 

I have applied to continue my IBR plan as it was in the past, but apparently this issue is working its way through the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company, XXXX XXXX XXXX  ( XXXX ), reported with Equifax and XXXX  that I paid my XX/XX/2020 mortgage payment 30 days late. I filed a dispute with Equifax and XXXX   disputing that error, but XXXX sent them ( Equifax & XXXX  ) a response saying I did pay my XX/XX/2020 mortgage payment 30 days late. However, XXXX reported inaccurate information on my credit report because, I did not pay my XX/XX/2020 mortgage payment 30 days late. XXXX received my XX/XX/2020 mortgage payment on XX/XX/2020 so, it was NOT 30 days past due. 

I have copies of my simply free checking account statement ending in XXXX with XXXX XXXX XXXX XXXX, which demonstrates that XXXX received their XX/XX/2020 mortgage payment electronically on XX/XX/2020 in the sum of {$2600.00}. I also have a screen shot of my XXXX online account activity, which shows that XXXX acknowledges that they received on XX/XX/2020 my XX/XX/2020 mortgage payment. These documents support my position to correct my credit file, but XXXX has been uncooperative and is killing my credit. I am just so confused and upset about this situation. My credit score dropped over 55 points.
Product: Credit reporting or other personal consumer reports

I have some inquiries that I am unaware of on my credit report and have no knowledge to at all and I also have some closed accounts that are still on report that need to be removed. 

Below are inquiries that I am unaware of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Down below are paid closed accounts and collections that need to be removed as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are closed paid accounts but still under late payments and need to be removed.
Product: Debt collection

Back in XXXX My husband got a Chase Credit Card and I was on account. He was sent to prison for XXXX my child. While he was out and going to trial he had taken all Credit Cards and maxed it out at a Balance of XXXX. The bank sold it to a collection agency I never knew the court date so I could go to court and this company got a judgement. I have been extremely low income all these years and This agency keeps taking it to Court tacking on more fees. This debt is now over 10 years old and XXXX dollars. My ex died in XXXX and this company has started trying to garnish me. The only legal thing I am allowed to do is go and get a hardship again. I need help this debt was never mine and they haven't been able to get money because I don't make enough and all it is doing is adding huge interest rate fees at this point.
Product: Mortgage

Previous complaint numbers XXXX and XXXX against Chase Mortgage, XXXX Office, XXXX XXXX XXXX, XXXX, OH XXXX. The second response states that on XXXX XXXX, XXXX I was approved for a short sale through XXXX XXXX, XXXX ; however neither me nor my realtor were informed of am expiration date adsociated with the approval. This was not communicated to my either of us until after the escalations and complaints. The response also states that on XXXX XXXX, XXXX, my realtor was informed that my file wad being assigned to a specialty team that handles military files. This is a lie. At no point did Chase inform me or my realtor that my file was being assigned to a " specialty team '' of any sort, specifically a team that specializes in assisting the military. With that, why would my file bw assigned to a specialty team AFTER the experiation of the short sale? Chase also failed to follow up with my realtor in a timely manner further contributing to the loss of my buyer. Chase. On numerous occassions, my realtor used XXXX system to request a call back or follow up on corrections that were submitted. This never happened. Instead, Chase mailed letters to my residence in XXXX and subsequently XXXX XXXX. These letters were received 7-10 after an information request. Throughout the duration in this process, Chase did not conduct any inspections on the property ; however, Chase erroneously reported that although vacant, my property was not being maintained and did not have electricity. This happened on several occassions. As a result of this, both my realtor and I had to call Chase to inform them that although the property was vacant, it was maintained with electricity and lawncare. My realtor inquired as to who and when the inspections from Chase occurred since this type of inspection required someone to physically go into the home. To date, Chase has not provided the name or dates of those inspections. As a result of this erroneous information reported by Chase, my home issurer at the time XXXX elected not to renew my homeowners issurance upon expiration. I am still trying to find a local insurance company at this time. The hardships caused by Chase mortgage is indescribable. Because of the military, I have relocated twice since begining this short sale process ; however Chase mortgage refuses to accept any responsible for the hardships caused to me and my family as well as that of a potential XXXX homeowner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for investigation letters were sent out to the credit bureaus on XX/XX/2022 via certified mail, to verify accuracy, consistency and completeness of an account. 

Letters were received by all the bureaus no later than XX/XX/2022 per certified mail. I have received responses from XXXX and Experian. I have not received a response from XXXX. 

It has been more than 30 days and as per my latest credit report dated XX/XX/2022, there are still inaccuracies, inconsistencies and incomplete information. 

As per my latest credit report, discrepancies are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Term length -Two year payment history. 

Documents attached included : -Request for investigation letters ( 2 forms of ID included with letters ) -Certified mail stubs -Credit report dated XX/XX/2022 ( Discrepancies highlighted ) -Request letter to update personal information ( 2 forms of ID included with letters )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have become aware that that the credit reporting agencies may not be in compliance with certain provisions of the Fair Credit Reporting Act ( FCRA ) and how it is reporting my credit information. In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee. I sent a certified signed affidavit to US bankruptcy court and asked if they shared and information with any of the three major crediting reporting agencies. They replied saying they did not give any information of my bankruptcy status to any of the three major credit bureaus and i attached a copy of that letter to another affidavit and sent one to each of the credit bureaus. I also did not express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my bankruptcy information from public records which is legal to obtain but they are not in compliance with the Fair Credit Reporting Act to report those findings on my credit report. I also received a letter from XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that their client XXXX XXXX XXXX XXXX XXXX has ceased collection of the account and submitted a trade line deletion request. That mark still shows on my credit file. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX did send a letter to the three major credit bureaus to removed it from my credit file.

The Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. 

I could not find a place to stay because that was on my credit report and reduce my score. I find it very difficult that I can not find a place to call home in a reasonable area do to the inconvenience of the misuse of my personal credit information
Product: Credit card

I have the discover app on my phone. I set up notifications and enabled my fingerprint for convenience. Everytime I go to login and double check activity usage, my balance, pay my balance and XXXX, the app tells me my password is incorrect and shuts me out. Its a whole 30 min process that I don't always have time for. I've had this account since XXXX and this is my experience 90 % of the time. I tried emailing someone to try and get a resolution but the website says to login to get more contact information. I'm frustrated and worried with the lack of access I have to my account. I can't ensure my balance isn't negatively affecting my score nor keep an eye out for unusual activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late payment from this account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised the credit agencies many times that the statue of limitation is expired and this item is still on my credit report. My next step is to hire a consumer law attorney XXXX XXXX - XXXX XXXX  Equifax XXXX  Date Opened XX/XX/2007 XX/XX/2007 XX/XX/2007