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

I got a check signed over to me from my cousin with the amount of {$30000.00}, because she was unable to deposit it because she doesnt have an active bank account to deposit into so I happy to help her, we went up to chase to deposit it and it went thru check was on hold for XXXX business days from XXXX to the XXXX. I randomly received a letter from chase in the mail telling me my account is restricted and could be closed if I didnt contact them as soon as possible, once I called they told me the reason behind the restriction which was about the check that got deposit they told me I had to provide them with the number of the person who signed the check over to me so they could contact her and verify it I provided them with any information they needed and they told me the number I gave them to contact her wasnt under her name but it actually is under her name because she contacted her cell phone provider confirmed that is was multiple times chase still told me her number wasnt under her name everytime I called now they saying I have into the XXXX to verify or they will close my account permanently and want release my funds into than I dont know what to do at this point I have things to do I cant even XXXX shop for my kids because they have my acc restricted
Product: Credit reporting or other personal consumer reports

I am writing to demand that [ SBNASELFLNDR ] immediately cease the improper reporting of late payments on my credit report. The reported late payments are inaccurate and do not reflect my actual payment history. This erroneous information is causing undue harm to my credit score and financial reputation. Under 15 USC 1666b of the Fair Credit Billing Act, I have the right to challenge these inaccuracies and request prompt correction. I insist that you investigate this matter immediately, remove any incorrect late payment entries, and provide confirmation of the corrections made to my credit report. Failure to address this issue in a timely manner will compel me to pursue further legal action to protect my consumer rights. In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions. The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ SBNASELFLNDR ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation. I did not give written authorization for this account to be furnished on my consumer report.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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 is my six request I have sent and nothing was done.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit card or prepaid card

I was a Wells Fargo customer and want to inquire about the lawsuit the are ordered to pay restitution to customers.
Product: Money transfer, virtual currency, or money service

I contacted wells fargo to cancel a direct pay payment that had not been sent out yet. I spoke with a rep on a recorded line and she advised that she was able to cancel the payment. We had a several minute long recorded call. The next day I logged in & saw she canceled the wrong payment. I contacted the bank immediately and they saw the previous days reps notes and that she canceled the wrong payment. I was advised they were going to contact the other bank, have the payment reversed, and that I should see the deposit in a few business days. The refund did not arrive. I called a week later and was advised I need to file a claim and was given claim number XXXX. After speaking with several different reps and was advised that Wells Fargo denied wrongdoing and rejected the claim. I was advised that I could appeal to the executive business office so I did an appeal and received reference number XXXX. I never received a call from the rep contact number XXXX ( XXXX ) XXXX after speaking with the switchboard operators 1 once a week ( since XXXX ) and was advised each time she was either not at her desk and she would get the message, she was on another call and would get the message, XXXX and her supervisor would be advised that haven't ever received a call back. I have yet to receive a call from anyone at Wells fargo. XXXX without any input from me or confirming the audio recording of the call with the initial rep ( to cancel the payment ) issued me a {$50.00} customer appreciation credit which was foisted upon me without acceptance ( directly deposited into my account ). As of todays call I was advised that XXXX was not at her desk and her supervisor was on a call and it might be better for me to resubmit the claim. The new claim reference number is XXXX. The switch board number I call XXXX. While the operators are very kind they are some of the slowest talkers I have ever spoken with and repeat & reiterate details ad nauseum. Reading details of the calls that I made and what transpired on each call ( which accomplished nothing ). Reading the denial letter that I holding. Honestly felt like an annoy tactic.
Product: Mortgage

We recently purchased a condo in XXXX XXXX, CA. Our lender : Caliber Home loans. Mortgage payment were set up as a direct deduction from my bank account. Since we travel extensively, I returned to the condo on XXXX XXXX and found several delinquency notices presumably to me from a company called XXXX. They bore an incorrect middle initial. We were never informed by XXXX or XXXX of any changes to our loan. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being told by Chase Bank (JPMCB CARD) that I have a XXXX   balance on an account with them. This was discovered during a background check for employment. I called the company and they continue to state that the account is fraudulent (dated XX/XX/2019) but they continue to refuse to send me any written confirmation of what they are verbally telling me. I am disqualified from getting this particular job if I cannot 1. prove they are telling me it is fraudulent 2. I cannot set up payment arrangements to resolve the debt. Neither of these options have been made available to me over several calls and faxes.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into several inaccuracies on my credit report. On multiple occasions, I have disputed the erroneous accounts listed on my report and have requested thorough investigations, but I have yet to receive a satisfactory resolution. 

The presence of these incorrect accounts is causing significant damage to my credit file and adversely impacting my financial health and overall quality of life. These issues have resulted in numerous hardships, and despite my continued efforts to rectify them, no corrective action has been taken. 

I am now requesting your urgent assistance in conducting a detailed investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to ensure the accuracy of my credit report and to update the information accordingly without further delay. 

Please treat this matter with the utmost priority, as restoring the integrity of my credit file is essential for me to regain control of my financial standing. Your prompt action and cooperation in resolving this issue will be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your swift response.
Product: Student loan

I called Nelnet, to discuss my options related to Covid-19 deferrals. When I spoke to the representative, he told me that my loan was not held by the Federal Government so I did not qualify for the federal student loan deferral program. He then explained that Nelnet had a separate program for private borrowers. The program terms were the following : 1 ) three month pause in payments 2 ) no change in " borrower incentives '' on interest rates 3 ) interest would accrue at the same rate, including the borrower incentives, even though no payments were being made.

4 ) Payments resume XX/XX/XXXX at the same rate as before. 

I agreed to the deferment on the terms as I have outlined them above. 

Today, I received notice that my borrower incentives were removed from my account. When I called the lender to discuss this, I was told that I could either withdraw from the deferral program or pay the higher interest rate. I explained that the employee promised me several times that my interest rate and borrower incentives would not change, and that I would not have agreed to the program if the rates increased. Nelnet refused to change my interest rate or add my incentives back onto the account unless I agreed to exit the forbearance program. 

Given that we are in the midst of a global pandemic, my family has faced several additional costs. I have already allocated the money that was to be paid to Nelnet to other sources. All I am asking Nelnet to do is to stick to their original promise. To do otherwise is deceptive, dishonest, and should be illegal.
Product: Mortgage

I applied for a home loan purchase with XXXX XXXX XXXX   and received a pre-qualification from their lender Home American Mortgage of XXXX. My initial home purchase choice was their XXXX XXXX priced at XXXX. On XX/XX/XXXX I received call from XXXX XXXX  (Home Loan Originator) who thought she was contacting XXXX XXXX (Sales Associate) stating "There is no way we will give her this loan for XXXX  I told her we will only give her the XXXX". When I told her she was speaking with XXXX  she then backpeddled and stated that she thought she was calling XXXX  and she would have XXXXXX/XX/XXXX contact me. I accepted their terms of offering me the XXXX XXXX as she stated that was what I qualified for. I provided all of my documents on XX/XX/XXXX and my credit was pulled on that date. My deposit was received on XXXX XXXX 2019. I have signed docs and as of XXXX XXXX, 2019 I received a call from both XXXX XXXXXXXX (Home American Mortgage) and XXXX XXXX (XXXX XXXX   XXXX) stating that are withdrawing the offer and denying loan. No new information was provided they same information they had at the beginning (XXXX XXXX, 2019) is the same information providedXX/XX/XXXX XXXX, 2019. They are holding my deposit of XXXX and XXXX   processing fee. As an XXXX XXXX, single woman I am being treated unfairly in comparison to others seeking housing. They have consistently asked my boyfriend to co-sign of which I have stated from the beginning that I do not have a co-signer or co borrower.
Product: Debt collection

Contacted me with two repeat calls that I did not answer ( did not leave voicemail ). 

I answered on the third call. Asked my name and tried to verify me using an incorrect social security number. 

Would not state the nature of the call or type of company that it was for privacy reasons. Caller stated he was with EOS CCA. 

Tried to indicate the address they had for me - which was not an address I have everhad, but IS an address close to my current location. 

Would not provide any information about why he was calling or what the company was until I would provide social security number.
Product: Debt collection

I recently pulled a credit report and saw that XXXX XXXX XXXX XXXX XXXX is reporting to be collecting on an alleged debt. After research, I am unable to find a licence in the state of Florida on the Florida office of Financial Regulations  website. How are they legally entitled to collect on the debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am totally dumbfound of this. I have no idea what is going on over there at the CFPB. I have submitted this complaint & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. This is so bothering on my part! The following accounts listed below were opened due to identity theft. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b... Thanks XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Credit reporting or other personal consumer reports

We certified mailed the following letter to XXXX  on XX/XX/year>. XX/XX/year>XXXX XXXX XXXX XXXX Credit Bureau Management XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I'm writing to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to XXXX resulting in partial payments. Prior to XXXXXXXX XXXX  security breach, we made overpayments to our XXXX account through XX/XX/year> and NEVER had a late or delinquent payment. 

XXXX XXXX  security breach occurred in XXXX and lasted for weeks. I contacted XXXX and explained our dilemma with the understanding that my telephone call was noted with an extended grace period. I was surprised to find that the grace period was not extended and that XXXX falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account should be in good standing again with additional monies paid. 

Please amend and provide a good will adjustment to Experian, XXXX  and XXXX for the aforementioned reasons. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten instructions.
Product: Credit reporting or other personal consumer reports

Multiple attempts to resolve the fraudulent and inaccurate information on my consumer report have been unsuccessful, leaving me in an increasingly distressing situation. As a victim of identity theft, I never authorized these entries to be associated with my name, yet their continued presence has caused profound disruption to my life, generating significant stress and XXXX while undermining my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to correct this issue over the past few years. I last spoke with Experian and XXXX on XX/XX/2023 regarding a charge off account with XXXX in the amount of {$0.00} I I have been informed by this company to contact Experian and XXXX regarding this issue. There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dispute resolution process, along with fraud and deceptive unethical practices, has caused me to lose my new construction home. My credit fell XXXX points and then XXXX  and XXXX  dismissed legitimate pleas for assistance and consumer protection. 
XXXX  verified the collection as legit ; despite the mountain of evidence I have submitted to collaborate my claim. I do not owe any money whatsoever, and XXXX XXXX XXXX along with XXXX XXXX XXXX are committing egregious acts against consumers and NO ONE is doing anything for the victims. 

Amer-assist, XXXX, and XXXX  MUST KNOW what is going on with these companies and I have proved that I owe nothing for the XXXX XXXX. 

I believe that I am owed damages for my XXXX XXXX and XXXX XXXX perpetrated by these plastic things which aren't even a real product, gives no results, and caused harm to me. I even joined a class action against XXXX XXXX. 

I have literally been XXXX XXXX XXXX XXXX XXXX out of a home and a dream by this injustice!!!!! And I can't get anyone to listen or rectify a single thing!!!!!! 

All of these companies, along with the CSR 's should be ashamed of themselves. They should tell my children why the system is so backwards, that we lost our home over some XXXX XXXX  that was illegally financed and damaging not only to my mouth, but to MY LIFE!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX I have been in contact with both credit reporting companies numerous time regarding the fact that my social security number is incorrect. I have sent in my Identification Card as well to correct this issue. It has not been corrected and in return, I have had trouble getting a loan at the bank. I have went to the Social Security Administration and obtained an official letter stating that my social security number was correct and sent that as well. My credit information remains incorrect and neither company has made steps to fix this issue.
Product: Debt collection

File number XXXX. This company has been contacted, and cooperated with law enforcement concerning this load that originated as a result of identity theft. This company has had correspondence with me regarding this, but have asked specifically for a police report, which is not supplied in the case of identity theft such as this. Law enforcement explained this to them while serving subpoenas to them. They still placed this debt on my credit report fraudulently.
Product: Checking or savings account

I attempted to put in a trade for NOK using Schwab 's brokerage services and a pop up notified me the trade was halted, so I cancelled but the trade went through an hour later when the stock tanked. Schwab has not provided a resolution for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times I have tried both online and via phone call to get my FREE credit report from Equifax. Today, XX/XX/2018, I tried again with no success. 

When I called Equifax 's number, XXXX, I was told I needed to get my report through XXXX XXXX ( NOT Equifax ). I was unsuccessful setting up a XXXX XXXX online account due to problems with their website, so no report was sent. 

When I tried to get an online copy from Equifax, www.equifax.com/fcra, I was denied ( no reason given ) and was given instruction to contact Equifax. Contacting Equifax just puts me back to creating a XXXX XXXX account. It 's a loop to no where.
Product: Credit card or prepaid card

I have been a member with American Express for over 4 years and always have had problems with them they never want to help you in the moment of need or waive fees for that same reason I closed two credit cards with them, but they cancelled my plenti credit card without my authorization or at least explaining why they did only stated because they will no longer offer Plenti rewards, and they are still charging interest and fees for an account that was cancelled by them. Please help this is unfair and at this moment I am unable to continue with the payments yet I do not want ruin my credit score.
Product: Credit reporting or other personal consumer reports

Trying to have XXXX remove all old collections from credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX XXXX XXXX - XXXX, MN - XXXX ) reported a 30 day delinquency on my three credit reports for XX/XX/scrub> 2024. My XXXX payment was due on XX/XX/year>2024. The payment was made on XX/XX/year>2024 and proof is attached. I have never been late on this account