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

I deposited a {$10000.00} check into a joint checking account that my step-brother and I hold with Chase Bank. The check was an living trust gift to my step-brother from his XXXX year old biological father. The deposit erroneously generated an over-draft alert on XX/XX/XXXX and USPS letter on XX/XX/XXXX sent to my address in XXXX. I watched the account online daily for the check to clear to have access to funds to pay bills. On XX/XX/XXXX, the check still hadnt cleared and I was denied access to my online account. On XX/XX/XXXX the check had cleared ( available balance ) but still no access to account. I called Chase customer service 3X XX/XX/XXXX ( 30-45 min per call ) and visited a local branch but was told the bank was closing the account with the excuse that they were suspicious of the check and wanted to talk to the maker of the check even though it was available balance online but I had no access to banking services. I arranged for Chase to speak with check maker at XXXX XXXX EST. Chase CS employee would not call maker of check because it would be XXXX PST where maker resides in XXXX despite makers request. So Chase eventually contacted maker at XXXX XXXX  ESTXXXX XXXX PST to learn check was legitimate After this step was completed, Chase CS still maintained that the bank had decided to close the account and it was irreversible. We have been an account holder with Chase for 9 years with no issues. The account receives my brothers direct-deposit Soc Security check on the XXXX of each month. The erroneous over-draft alert was never acknowledged by Chase. Now, Im waiting to receive balances from 2 closed accounts sent to XXXX address while Im in XXXX for the winter. I think its important to note Chase will have the {$10000.00} in funds in their possession for approximately 3-4 weeks while denying me access to online account which will eventually be closed.
Product: Credit reporting or other personal consumer reports

I entered into an XXXX loan in XXXX of XXXX in the amount of {$350000.00}. The loan facilitator was XXXX XXXX XXXX  XXXX XXXX XXXX FL. 

In XXXX of XXXX I filed XXXX XXXX  personal bankruptcy and lost my business. 

In XXXX of XXXX the bankruptcy was XXXX. 

After a couple of years of grinding I was able to salvage my credit. I sold my house and entered into an agreement for a construction loan with XXXX XXXXXXXX XXXX  in XXXX Arkansas. They pulled my credit report and other than the bankruptcy showing up, it was fine. We knew the Bankruptcy would be there. We entered into an agreement for construction in XXXX of XXXX. 

XXXX of XXXX I get a call from XXXX XXXX Bank asking if I had taken out an XXXX loan. I said no, but I had one that was included in my bankruptcy. They advised that the XXXX has reported an outstanding debt on my report. I began the process of trying to have that removed from my report because it was included in the bankruptcy. After months of no satisfaction, XX/XX/XXXX I retain my bankruptcy attorney to assist. My attorney contacted XXXX and was told that they can confirm it was a mistake and it would be rectified on the next reporting cycle. It was never rectified. We attempted to contact the XXXX again about it, but our contact is not responding to us. 

XXXX I submitted a formal complaint to the bureaus. The results came back as accurate. Knowing its not accurate on XXXX I uploaded the supporting court documents and submitted them online and by regular mail. It wasn't long after that that the report was corrected. Then in early XX/XX/XXXX I received notice that derogatory reports had been made to my report. I looked it up and the XXXX had AGAIN reported the loan as outstanding. On XX/XX/XXXX I submitted my dispute with the documentation and again it came back as accurate. It's definitely not accurate. 

I think the mistake is in the fact that the facilitator XXXX XXXX XXXX and the XXXX used different account numbers for the same account. It's probably internal only for them but it's causing me problems. I need this removed from my report as it was most definitely included in the bankruptcy and XXXX XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX credit card Through MY SYNCHRONY Marked a late payment than notified the public of a late payment taking my score down over XXXX XXXX, when I called and explained the financial institution " XXXX '' I use for personal and business was delaying my checks being deposited as if XXXX XXXX XXXX purposely are delaying cleared checks so I can fall behind on payments, XXXX XXXX said the late payment was reversed I also stated they illegally put my info out to other companies they again said they would correct the issue that I needed to dispute the " the XXXX XXXXXXXX XXXX credit card with SYNCHRONY Bank to correct the issue and nothing has been corrected.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter via certified mail and going regarding some discrepancies and inaccurate information on my consumer report! I requested that they break down and prove the accuracy of these reported items. Under 15 U.S.C 1692G I have a right to a full investigation on these items and they haven't validated no debt! I haven't received any correspondence from the agency except a stalling letter from XXXX asking if it was really me who sent the letter.
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 XXXXXXXX 15 USC 1681 Section 604 A Section 2 It also a consumer reporting agency can not furnish a account without written instructions 15USC 1681 602 A States I have a right of privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX has violated my rights. 

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 instruction.
Product: Debt collection

I have hospital visit bills on my credit report which are negatively affecting my quality of life. I have been a XXXX recipient since XX/XX/XXXX and am currently XXXX due to medical reasons. I checked my credit today and found that XXXX XXXX XXXX XXXX has negatively impacted my credit report. I am under federal income guidelines as not being able to pay for medical care, hence I qualify for XXXX When doctors and hospitals only get a portion of what is billed through the process of capitation, they then turn around and harass people who are already socioeconomically impacted. This is not fair AT ALL because it is hindering me to find housing, obtain utilities, and is causing undue stress  which lowered my quality of life. I do not understand how being poor and underprivilaged means I can not obtain housing during homelessness, services and utility assistance, and any potential job I may apply for. This is also negatively impacting me to find affordable car insurance, obtain a cell phone, or even WANT to visit an ER/Hospital when needed due to the possibility of the medical insurance not covering the billed amount and the debt being sold to an agency for pennies on the dollar and then the agency harassing me and ruining any chance at an education, suitable housing, and even vital utilities such as water, and electric.
Product: Checking or savings account

closed b.o.a account # XXXX XX/XX/2023 remaining bal XXXX said id have check in XXXX days.waited XXXX days no check. called again said id have check in XXXX  days waited XXXX days no check. tonite was my XXXX phone call cust rep said i have to go to branch office XXXX XXXX hours from me
Product: Checking or savings account

On XX/XX/XXXX, Associated Bank put my account under review. I understand that this happens but I have still not been provided with a reason and the Account Manager, XXXX XXXX, has refused to answer any of my calls. It is XX/XX/XXXX and I don't understand why I'm unable to access my account without any information. This is extremely poor customer service. Further, I opened my account on XX/XX/XXXX and I haven't even received a debit card yet. When this matter with my account is resolved, I will be closing my Associated Bank account.
Product: Credit reporting or other personal consumer reports

Hi there, I filed a dispute on XXXX due to missing and incorrect information. XXXX did not do its due diligence to follow up with issues I brought forth in a legal and complete manner. I was recently notified that CFPB has filed a lawsuit against XXXX for failing to conduct adequate investigations of disputed information in credit reports. This aligns completely with my current situation. XXXX has not made an attempts to remove, nor correct any information. I am now being hounded with daily calls by debt collectors. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a new place to live as I am currently displaced due to the LA wildfire evacuations. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Conformation Number : XXXX To whom in May Concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. Other Accounts : XXXX XXXX XXXX XXXX XXXX  ( Please see attachment ) Revolving Accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Installment Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Please add my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

Request several debt validation letters no response amount of claim was {$4700.00} I do not know the original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has wrong addresses work place on my consumer report and should only have my correct name on report XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) any thing other than this should be changed or fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting yet another CFPB Complaint requesting the deletion of the fraudulent items off of my Credit File. Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2023, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible : XXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00XXXX XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXX {$0.00}. Also, the Credit Bureaus have been claiming that the disputed accounts belong to me without sending me any documents to support such claims.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute regarding incorrect information on my credit report and its been past the allotted time of their investigation but they have yet to fix my issue and the incorrect info on my report.
Product: Debt collection

XXXX XXXX XXXX recently reported a {$460.00} collection account on my credit report. Prior to this account appearing on my report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
Product: Checking or savings account

On XX/XX/XXXX my son-in-law attempted to XXXX rent monies to my account at Navy Federal Credit Union in the amount of {$2200.00}. XXXX XXXX rejected the transaction, marked my account for fraud and subsequently closed my account. When I called to inquire about why they refused information. I was told " the decision is permanent and there is no reason to transfer the call ''. I have filed an appeal and provided documentation proof of these transactions for the last two years. I have a direct deposit that has gone into this account, thus monies sitting in this account. I've been told they will not give me my money I will not get access to it either. They are essentially holding money that does not belong to them. I spoke with a supervisor in fraud who told me this this morning XX/XX/year>. She refused further communication and disconnected the call. I want my money.
Product: Mortgage

Chase foreclosed on my home illegally while dual tracking claiming repeatedly they had no interest in the home they were a servicer that had transferred the servicing to another company. They then had my home sold at Auction and purchased it for {$500.00}, when I called their Executive offices they told me '' WE CAN PURCHASE A HOME FOR WHATEVER WE WANT YOU SHOULD HAVE PAID YOUR MORTGAGE '' They took the home through eviction then turned around and listed it for {$140000.00} not even 3 weeks later. So they got paid through insurance for the mortgage as a bad debt wrote off the debt bought the home for {$500.00} then are reselling it for {$140000.00} more and still trying to collect on the original {$120000.00} loan as an outstanding debt. 

HOW DOES A SUPREME COURT JUDGE ALLOW THIS TO HAPPEN HOW ARE THE BANKS ALLOWED TO GET AWAY WITH THIS ESPECIALLY WHEN THE FORECLOSURE WAS NEVER DONE PROPERLY TO BEGIN WITH.
Product: Checking or savings account

I called to cancel and transfer my CD during the " grace period ''. After several go arounds with 3 different reps and an extended hold time with the last rep. I was told the money was placed in to my checking account and would show in 2 business days. This never occurred, I called back over a week later because the money was not in my account. I was told I was past my grace period and would need to go in to a branch or write in to have my account closed and cancelled. I was told there was no record of my call whatsoever and that Wells Fargo, does n't keep or complete account notes on accounts so there would be no way to see notes. I mentioned I was going to file a complaint and close all of my Wells Fargo accounts over the coming months. What a terrible customer experience and waste of time.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I am formally requesting their removal within XXXX days. Enclosed are the necessary documents for your review and consideration.
Product: Debt collection

Company issued a IRS form XXXX " cancellation of debt '', but are still trying to collect. They are also reporting a balance to the credit reporting agency 's each month.
Product: Checking or savings account

All of the following transactions were not authorized by myself- Chase Bank have not refunded these. I have raised a report with XXXX XXXX police department. I would like the transactions to be refunded as i did not authorize these transactions and i when these transactions occurred i was on XXXX XXXX 


XX/XX/XXXX XXXX XXXX - XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card- {$140.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX CA XX/XX/XXXX ( ... XXXX ) Card- {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX XXXX XXXX XXXX ) Card- {$350.00} XX/XX/XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX - XXXX XXXX  XXXX XXXX NV XXXX XX/XX/XXXX ( ... XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( XXXX XXXX XXXX XXXX {$43.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX ) XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX ) Card- {$98.00}
Product: Money transfer, virtual currency, or money service

Got a email from a company about Paypal. It is a scam I don't have paypal. Called the number back and it works. So here is a idea track the number down and go after these people. The number is XXXX like I said they answer the number.
Product: Credit card

I got a letter saying only a partial of the {$700.00} was credited to my charge card and I had a XXXX balance. However, I had PAID all those fraudulent charges so I should have a credit balance. I have tried to call the company and have gotten no return call. 

They sent me a new credit card number the fraud charges were on the old card number
Product: Consumer Loan

XXXX XXXX XXXX email XXXXXXXXXXXX I am writing to these person to get my mother 's check from the settlement with Ally. She was promised XXXX in a letter and no one deposited the money in her autoloan, mother sent the next payment minus the XXXX promised and this company kept on charging her late fees every month to the point she is soooo behind. I helped her fill out a form on XXXX or XXXX, we have a copy and they were ( ally ) supposed to give her that money in her loan. Anyway, she is still paying an exhorbitant amount in interest more than anyone can go to pay for a car loan, this has ruined her credit, making her unable to refinance her home and affected her emothionally. When we complain, they threaten us that will impact our credit more and more. Where is the money, they promised us? They gave us a number XXXX XXXX XXXX and it says that in a recording you got all the money left for you guys to use at the CFPB which may be mom 's too. 
Anyway, she is concerned about the credit and the money. She wants the credit information revised to show the XXXX in XXXX 2015 when she was DUE that money and that would have made a lot of difference, she has paid the loan over already if you take into account the late fees, and the interest rate. She does not speak XXXX as her tongue. I am from XXXX. We can not even refinance it due to the impact of the ally fees into the " lateness '' of the payments because of that supposedly money will help people like us. We use the car to work
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 I received a vmail from XXXX XXXX ... she left all types of information on my voicemail the voicemail was stated as " XXXX XXXX my name is XXXX XXXX XXXX XXXX contacting you in reference to your pending case being filed. By Law I have to make you aware that once case XXXX is filed it will become a matter of public record and there is an order of location issued for you. Since I was unable to reach you by telephone. I was instructed to contact the employer and speak with the supervisor as it looks like this is now a place of location to bill your negligence on your end on this case. Now you do have the legal right to contact the filing party that is responsible for handling your case with any questions. However XXXX please be advised once the case is discharged from their office all rights are to be forfeited the phone number listed on your paperwork to contact their office with any questions is XXXX XXXX XXXX you have been legally notified by telephone and i will have you located unless I am told otherwise. Good Luck. '' You cant contact people like this and what if that wasnt my voicemail.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquire 's and accounts ... .I also attached supporting documents. In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within XXXX  days of receiving this letter. Please provide an updated copy of my credit report to the address provided above. As per the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. Thank you for your attention and assistance in this matter.
Product: Debt collection

I am filing this complaint regarding an issue with a collections account reported by CREDENCE RESOURCE MANA. The account was either inaccurately reported or is being handled improperly, causing significant harm to my credit and financial well-being.
Product: Credit reporting or other personal consumer reports

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX