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

To Whom It May Concern, It was in late XXXX of 2017 when I attempted to use one my 3 chase cards, of which I used frequently and relied on daily, that my card suddenly started getting declined. Having always relied on chase and rarely having had any such problems, as I was sure I was a good customer who paid his bills and and did as any other, this came as quite a shock but I did not think much of it. It was only when I soon called in to inquire about the declined charge that my relationship with chase was suddenly torn into pieces and thrown away. It seemed as if in a heartbeat I went from a good customer to a customer which they care nothing about and are willing to throw out and forget about. I was told over that phone call, vaguely, that for reasons they can not disclose and will not disclose my accounts had all been shutdown, all my personal credit cards, bank accounts, and safety deposit box has been immediately and permanently shutdown! This unfortunate series of events caught me in a stage of shock where I had no clue what to do. All of a sudden it seemed as if a big part of my life revolved around chase and it was now all gone for reasons I did not even know or to this day will never know. I was told that I will get a letter to inform me about this and thinking that it will hopefully clarify what happened I was wrong. All the letter mentioned that I was no longer a customer chase wanted to do business with and therefore they abruptly shutdown all my accounts. Not only that but they went so far as to shutdown my mothers accounts as well which I found completely rude, unprofessional, and uncalled for. I always believed I was a good customer with chase who paid promptly and was risk averse if anything and I would at least like to know what I did wrong so I can avoid doing so with other banks in the future although I truly do hope to rebuild my relationship with chase if my accounts do get reinstated. These events have caused my credit score to drop and less attractive to other banks as it now shows my accounts were closed by the issuer and also ruined my average age of credits along with other things.
Product: Student loan

XXXX - Spoke with XXXX and setup payments of {$320.00} at the end of every month to get loan back on track ( recovering from layoff ). 

XXXX - Spoke with XXXX and was told that I needed to make a payment of {$1400.00} in order to keep the loans from default. I told her I would call back XXXX to make the payment. 

XXXX - Called and spoke with XXXX to make the loan payment of {$1400.00}. I was advised that the payment would need to be split into XXXX payments of {$970.00} and {$450.00} respectively. XXXX also advised me that it would be a good idea to move the date of the payment up a bit in case I had another emergency, that way I could contact them and workout some sort of arrangement before the end of the month to keep from being late again. I told her that I would consider it and call back if I wished to do so. 

XXXX - Received a call from XXXX stating that my loans were in default because the {$970.00} payment that I made on XXXX did not go through. I told him that they must have made a mistake because the funds were debited from my account on XXXX/XXXX/16. He said the he did not doubt me and asked me to email a copy of my bank statement to his supervisor XXXX XXXX. XXXX also stated that he would give me a call the next day after he heard back from XXXX. I emailed XXXX a statement a few minutes later after I got off the phone with XXXX. 

XXXX - Received a call from XXXX letting me know that my case had still not been resolved. Knowing that I had a scheduled payment at the end of the month I asked him if it would be affected at all by the current situation to which he replied " everything is fine. '' XXXX - I received a call at work letting me know that my loans had been defaulted because the XXXX payment came in late due to bank closure from the holiday ( meaning that the anybody who has an automatic payment setup at the end of the month is late ). Now my private loans with Navient are in default.
Product: Credit reporting

On XX/XX/2017, I disputed some hard inquiries on my Equifax credit report that I do not recall authorizing. I checked the status of the dispute on XX/XX/2017 and my results were ready. However, the date that the information was verified by Equifax shows XX/XX/XXXX. That 's the same day I initiated the dispute and I feel as if they did nothing to actually verify if the information was factual. The statement or response that I received back from Equifax is that the items were indeed factual. After viewing the results, I called Equifax and asked them their process of verifying that the information was correct and I asked how they were able to verify and investigate so quickly. I was told by 2 representatives that they do n't dispute inquiries and that I should just wait and let them fall off of my credit report when the 2 year time period is up, or either contacting the creditors. One of the creditors is a car dealership. I called the number on the report, but this particular dealership is no longer the same and has been bought by another company. I called Equifax again to explain this and I asked again their process of verifying the information, because clearly, an investigation was never initiated if they did not know that the dealership is now owned by another company. Again, I was told to wait until the inquiries fall off in two years. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) AND 611 ( A ) ( 1 ) states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received results in 2 days ( even though on the dispute status page, results were ready on XX/XX/XXXX ), one can assume that there was no investigation into the matter. I 'm at the point that I 'm frustrated because no one I 've spoken with at the credit bureau is even taking the time out to listen to my complaint. I am a single mother of XXXX who 's trying to rebuild my credit so that I may qualify to purchase a home. The hard inquiries on my credit report display as a sign of financial trouble when it 's not at all the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that I do n't recall authorizing. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information in my credit report. 

XXXX XXXX XX/XX/2015 {$700.00}
Product: Student loan

I have an approved borrower defense case for Sweet vs Cardona. I am full class. It is only for a portion of my student loan debt. XXXX contacted me and said my loan would be transferred back to them. I'm concerned if this will be all of my student loan debt ( only $ XXXX + interest is for the approved borrower defense ) or just the borrower defense amount? I've been waiting a long time for my PSLF counts to be updated ( XXXX eligible, XXXX qualifying, XXXX ineligible, and waiting for XXXX randomly missing months to be added that were on my approved ECFs and letter from Mohela dated XX/XX/XXXX ). I want my refund for borrower defense but also want no additional delays with my PSLF. Mohela tells me it's dept of ed that needs to apply my XXXX missing months to my PSLF counts, FSA says its Mohela . I resubmit everything and it gets marked duplicate. I want my credit for the XXXX missing months and my PSLF forgiven. I've worked is public service since XXXX and it should not be like this. I've contacted moehla ( told something different every time ) contacted FSA ( they say they don't handle PSLF and to contact Mohela, compliant with XXXX ( told they are acting in good faith ), filed with ombudsman XX/XX/XXXX ( haven't heard a word ). I've done my part, submitted everything, paid my public services dues, and tired of begging someone to fix my counts and free me of this burden that has tied me down.
Product: Mortgage

On XX/XX/XXXX my husband and I were given a verified pre-approval letter by Mr. Cooper for XXXX. 

On XX/XX/XXXX we were given an updated verified pre-approval letter by Mr. Cooper for XXXX. Mr. Cooper stated that this letter meant that we were through underwriting and our income, our financial statements, and all other income related items were reviewed. Our Loan Offer, XXXX XXXX stated this letter was " as good as a cash offer ''. 

We proceeded with the home buying process for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. We offered XXXX ( which was well below the ceiling of our approval ). We ordered and paid for a home inspection, paid an escrow deposit, paid a holding deposit home insurance ( California XXXX XXXX ), paid for the appraisal, the seller updated the septic tank, and made updates per the appraiser, and moved out of the property in anticipation of the upcoming close. We were set to close on XX/XX/XXXX. On XX/XX/XXXX, one day before the close of the home, we were told we were denied due to my employer type. I work for a XXXX XXXX XXXX ( XXXX XXXX ), and the Loan Officer told me the underwriter excluded my income. 

I had the same employer throughout the entire process. Nothing changed from the time they issued the " verified pre-approval '' until they rejected my income on XX/XX/XXXX. We spent one month working towards the close of the property and Mr. Cooper never once mentioned that my employment type or length of employment was an issue. This is poor business.
Product: Debt collection

This is an insurance claim with the loss of a vehicle. I made all payments on time. I was able to make a payment XX/XX/XXXX, of XXXX tried to make my monthly payment in XXXXXXXX XXXX XXXX and was forward to a collection agency. The collection agency informed me they now have my account. I was not informed this account has been transferred to a collection agency in XXXX XXXX XXXX  The collection agency is XXXX XXXX and XXXX XXXX XXXX XXXX XXXX spokesman
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a completely fictitious address that appears on my Experian credit report. XXXX XXXX XXXX, XXXX, PA XXXX that is linking me to a fraudulent account. I explained to both Experian that the address is fictitious. Experian has refused to remove the address from my credit report. Not only have I never resided at XXXX XXXX XXXX, XXXX, PA XXXX but the aforementioned address is completely fictitious.
Product: Debt collection

This collection agency is reporting a debt for the amount of {$3200.00} on My credit report. I previously disputed the account and the collection agency verified the debt to the credit bureau. As the consumer Being affected by this, I wrote to this collection agency requesting additional information and signed documents for the debt. They replied with a list of date of treatments. The letter is vague, it does not contain the medical provider name and address and no signed documents
Product: Checking or savings account

On numerous occasions I have looked at my account on line and everything is fine, this is usually after midnight.only to later in am to see that transactions posted the previous day, even though that same day they show no record of it online to me. This is a frequent thing. The date manipulation is a way of getting overdraft fees. Also I tried to find the rules governing my account on their website and they were not available to me. I have Truist bright checking. Contacted representative and they could not find it either until they did some research. It doesn't seem right that the rules of my account should be hidden away somewhere. Also I am not an original Truist customer, I am a transfer from SunTrust. This whole operation is questionable in my opinion. Yesterday I made an electronic deposit, to keep my account funded to cover bills. They deposited the funds then reversed them and put a 10 day hold on it calling it highly uncollectible. Each semester I put cash in to my daughter 's college account to cover costs and each semester she will get a refund check which she endorses to me. That's what these funds were. Also printed boldly across the front is the statement that you can call this number to verify funds and the telephone number. The reversal through me once again into a negative balance and set me up to receive overdraft fees. I am constantly seeing the manipulation of account to accrue fees. I thought something had been done to protect the consumer from these erroneous fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6600.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was on my XXXX  XXXX  today XX/XX/XXXX noticed there was some fraud and unauthorized things on my credit report I need fixed. First off on my transunion I never applied for a XXXX  XXXX card on on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX i did not give any authorization for any of these companies to look at my credit so this was done without my consent. 

Now as for XXXX  I have more fraud and unauthorized things I want off my credit file. XX/XX/XXXX I am getting hit with 2 hard pulls i never authorized. Also on XX/XX/XXXX I am being hit with 2 hard pulls I never applied or have any knowledge of. 

I just want all credit reporters to be aware and fix this problem thank you guys.
Product: Debt collection

this is a collection that does not belong to me, this company has reported this debt without validating the debt, in its attempt to collect the debt Transworld never properly did its due diligence in confirming the debt was mines, i have reached out but was always met with sarcasm, mean spirited debt collectors who only mission was to assign and collect on a debt never belonged to me.
Product: Credit card

I have a Mastercard with CapitalOne who routinely partners with merchants to promote cash back incentives It emailed me on XX/XX/year> for a 30 % cash back deal with XXXX that must be used to thru XX/XX/year>. I read all the fine prints and followed the instructions to a tee ( see attached documents ), only to receive just 12 % cash back when all was said and done. When I contacted CapitalOne on XX/XX/year>, its customer representative told me the merchant XXXX changed on them and theres nothing they or I could do. I asked them if theyd agree this is false advertising, they couldnt say no. When I displayed my disappointment and desire to file a compliant or lawsuit, they invited me to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reported as a delinquent payment for my Synchrony bank account even thought I have sent prove of payments. Issue started from day one with them when my first and second payments where put in on their end into the same month statement. Then due to discussions about this and waiting for resolution they took another payment as late and increase my monthly payment for about 30 usd with out letting me know. My statements where supposed to be received online due to my travel times and they never took my request ; I moved and did not received notice or statements requesting additional payment. For a year I was making my regular payment and two weeks ago that I contacted them because I need to re finance my home was told I was delinquent by consumer report agency. I call bank right away and was told to send proof of payment which I did and today I had to call them again and was told they will not fix this. 
I believe its very unfair and would like to take legal actions against bank now that this is causing me additional troubles to re finance my home.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX / Equifax XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX XXXX/ Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS HAVE BEEN REPORTING NEGATIVELY AND INACCURATELY ON MY CREDIT REPORT. THOSE ACCOUNTS HAVE BEEN DISPLAYING FALSE TRANSACTIONS NOT MADE BY ME. THESE ACCCOUNTS ARE NOT LIABLE TO ME AND I WAS UNAWARE THAT THEY WERE REPORTING ON MY CREDIT FILE UNTIL I STARTED MONITORING MY CREDIT FREQUENTLY. PLEASE REMOVE ALL THE DISPUTED ACCOUNTS THAT HAVE BEEN CAUSING SERIOUS HARM TO MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 XXXX
Product: Debt collection

I purchased a XXXX XXXX XXXX and financed it through Credit Acceptance in XX/XX/XXXX. I was involved in a car accident XX/XX/XXXX in which the insurance adjuster reported my car was a total loss. After payments from XXXX and Credit Acceptance GAP insurance were made to Credit Acceptance, my file with Credit Acceptance reported a {$0.00} balance on XX/XX/XXXX. 
Three months later, Credit Acceptance contacted me to indicate I owed a balance for months I no longer had procession of the car as it had been paid off due to a car accident causing a total loss of the vehicle. They said I was still responsible for payments event though I no longer had the vehicle and the insurance had been paid out and I was not informed of this and was negatively reported on my credit. 
Because of this oversight, they have damaged my credit thus causing hardship as I continue to heal from this accident.
Product: Debt collection

In XX/XX/year> I was furloughed from my job that I held for XXXX years at XXXX XXXX. Through NONE of my own decisions, choice or actions did I want to lose my job. The government shut us down because of XXXX. I was in no way shape or form prepared for what that entailed for the next couple of years. Prior to the pandemic, I had a XXXX % payment history, not XXXX single collection or negative mark whatsoever on my credit report, check and see for yourself. I didnt ask to be furloughed, I didnt ask for not a single bit of that traumatizing and life altering event in my life. Now the end result of not being able to pay my bills, about XXXX negative collections on my credit report, I lost my vehicle to repossession when it was so close to being paid off, I cant even get a loan or a bank account at this time. Im nothing but a huge risk to everyone. Why? Because I lost my job due to a global pandemic that I had no control over?! Thats insane. I absolutely feel like people who were in the same boat as me should be given leniency and these negative things be taken off of our credit reports immediately. This is not fair at all. XXXX has literally ruined my credit that I worked so hard for and now Im being punished extremely wrongfully due to something out of my control, a world wide disaster. I am currently back on Unemployment Compensation and I feel like this is such a huge issue for some of us and I will not stop fighting until we get the relief we well deserve. Please, mentally and emotionally and physically, XXXX has reeked enough havoc in our lives, now we have to live with this affect as well!? Im genuinely a good person and I would appreciate it so much if we could do something, anything, to help us people who are still being punished by that nightmare. Please take what I have said into consideration and I pray that you can put something into place to help us go back to a semi normal life again. Its been enough for way too long already as it is. Thank you for your time and understanding. Looking forward to hearing back from someone soon. Thanks again. 

***So now I have a pending judgment in XXXX XXXX XXXX XXXX XXXX XXXX Ohio from a debt buyer who is trying to put a judgement on my credit report from when I was out of work due to the Covid Pandemic. I will upload the court papers to this complaint. Im not sure why they are hitting me so hard now after XXXX years since the pandemic started but this is not right. And the original Debtor just issued me a secured Credit Card, I havent even received it in the mail yet for {$200.00} because Im trying to build my credit back up but the debt buyer is suing me?? How does that make any sense at all. Please help me with this!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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. 
The following companies listed below from XXXX through XXXX are showing missed payments in my credit report. I disputed the accuracy of the credit reporting with the Credit Reporting Agencies ( ie XXXX, XXXX, Experian ), they concluded without " Receipts '' confirming the accuracy of the reported missed payments that the information was correct. I have not received information from neither company nor Credit Reporting Agency confirming the accuracy of the reports. The following are the companies : XXXX. XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXXXXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX opened XX/XX/XXXX