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

I opened a checking account through chase bank. My grandfather had his retirement direct deposited into the account, Chase then closed my account for fraud suspicion. I contacted Chase bank and they advised they will release the funds and re open the account after I bring my grandfather into the bank to verify information and his identity. Myself and my grandfather walked into the bank they took copies of his id and social security and he signed verification that his retirement payments are not fraud. Chase then re opens my account with new account number and everything and deposit funds into account so we can withdrawal. A month later my grandfather whom has already been verified by the bank IN PERSON and verification was recorded by making copies by banker XXXX in XXXX, WA my grandfather signed over his retirement check to me for deposit into my account while he would be in hospital ( my grandfather lived with me and his checks helped pay for the bills ) Check was deposited, chase didnt flag anything they just waited the full 10 days for the check to clear and the check did clear by retirement and of course my grandfather the funds were posted to my account a little over {$3200.00} and after the check cleared they closed my account and advised they will be mailing funds to address on file. I received a check in the amount of {$100.00} from my savings account and no check for the {$3200.00} in my checking account. I called a few more times and was told the same thing and that they can hold the money for up to XXXX. Well its now been 2 YEARS!!!! My grandfather has passed away from his battle of multi organ failure. I call yet again and they advise me that yes they have the {$3200.00} and they will not release it to me because they dont believe the funds belong to me. I advised that everything has been verified and they said that dont matter and now that my grandfather is deceased and cant verify AGAIN they will be holding onto the funds because they cant send the funds back because check cleared, they cant send to my grandfather because he is deceased and they dont believe that the funds belong to me. Even after we verified. They manager just said sorry there is nothing she can do for me. So now where does that leave this situation?? So Chase gets to keep mine and my grandfathers money because they THINK it could be fraud!! Even after verification and now 2 years having passed!! Do I need to get a lawyer because the only people being fraudulent is CHASE bank!!! My family is having SEVERE financial hardship currently and this is causing an even more hardship and more strain to my already diagnosed mental state.
Product: Student loan

XX/XX/XXXX - XX/XX/XXXX : My federal student loan was being serviced by American Education Services ( AES ) XX/XX/XXXX : President Biden announce Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) XX/XX/XXXX : I submitted my TEPSLF application and consolidated my federal student loan with FedLoan, as per the U.S. Department of Education 's instructions. 

XX/XX/XXXX : I received a letter from FedLoan reporting the outcome of my PSLF eligibility. Even though I had over 10 years of qualifying employment and have made payments on my student since XX/XX/XXXX. However, FedLoan informed me that loan payments made between XX/XX/XXXX through XX/XX/XXXX were not eligible. No explanation was provided. 

XX/XX/XXXX - XX/XX/XXXX : After series of back and forth with the FedLoan Office of Consumer Advocacy ( OCA ), in XXXX I discovered the real reason as to why the payments I made between XX/XX/XXXX through XX/XX/XXXX were excluded from the PSLF count. FedLoan informed me that according to the National Student Loan Database System, my loan was purportedly in " deferment '' status. I informed OCA that this information was inaccurate and I provided proof of loan payments made since XX/XX/XXXX, but FedLoan indicated they couldn't do anything about it. 

XX/XX/XXXX, I reached out my former loan servicer, American Education Services, to get an explanation. AES loan counselor, XXXX, acknowledged the reporting error and clarified that my loan was only in deferment for one year between XX/XX/XXXX through XX/XX/XXXX, and the record shows that I have been making my monthly loan payments since XX/XX/XXXX. She escalated my case to another team for review and reconciliation, but today I received an email from AES Customer Service indicating that they can't do anything to fix this error and referred me back to FedLoan to update the status in the national student loan database system. However, FedLoan has been less than accommodating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the balance in full and the company is reporting it late and over the credit limit and yet the account is CLOSED. This is a violation of my rights to privacy and fair reporting of correct information. My limit is XXXX and I paid that amount and yet the reporting reflects 1, late and 2 over the limit
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for your and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Mortgage

Caliber Home Loans bought my mortgage XX/XX/XXXX. I had relocated and listed the home on XX/XX/XXXX in a short sale with XXXX. Caliber sent a deputy sheriff to my new apartment and served foreclosure papers to me XX/XX/XXXX. XXXX later, XX/XX/XXXX, XXXX and XXXX sent a letter to me cancelling the foreclosure hearing of XX/XX/XXXX. How do I find out what is going on? This worries me because no one will tell me why the hearing was even scheduled and now why XXXX has been cancelled. Property address is XXXX nc XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries do not belong to me nor did I authorize them : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX opened XX/XX/3018 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, My credit report stated I had an collection from ( credit XXXX bank sold to XXXX XXXX XXXX # XXXX listed multiple times on my credit report. on XX/XX/XXXX, I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. XX/XX/XXXX, XXXX purchased debt ( violations : proof of debt with wet signature. ) XX/XX/XXXX, I Disputed this collection again with XXXX, XXXX XXXX XXXX  XX/XX/XXXX. Creditor removed collection account from XXXX & XXXX and XXXX time on XXXX  only. I requested to be removed on all bureau. creditor sold debt to Debtor and Debtor failed Request. Debtor purchased debt violations : proof of debt with wet signature, XX/XX/XXXX, I Disputed this collection with twice XXXX  XX/XX/XXXX, XXXX reported the collection account on XX/XX/XXXX with the same account On XXXX and XXXX  as of XX/XX/XXXX. ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. XXXX  payment status is late 120 days on a collection account XX/XX/XXXX, Debtor has reported the collection to XXXX  ON XX/XX/XXXX Debtor has not responded to my request or updated my account on XXXX  and XXXX. This XXXX and XXXX 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately.debtor failed to update the comment section that i disputed this account. debtor and bureau deleted the information on XXXX  AND XXXX and reported the account as of todays date XX/XX/XXXX. Creditor ( XXXX XXXX XXXX removed from XXXX  sold the debt to XXXX and then XXXX reported the collection on my account and did not update in the comment section that an investigation was completed
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX**** and ( Original Creditor : XXXX XXXX ) XXXX
Product: Mortgage

This is partly the same as the complaint I submitted for my other lender, which is under complaint # XXXX. This one has fewer attachments. SWBC 's involvement is described best in the attached motion for remand in paragraphs numbered 1-8. 

I have initiated a legal complaint with my former lenders ( SWBC Mortgage Corp. and XXXX XXXX XXXX, XXXX ), which are case # XXXX at XXXX XXXX XXXX XXXX XXXX ( inactive - removed to federal court ) and Case # XXXX with the XXXX XXXX XXXX XXXX XXXX Tennessee XXXX XXXX ( active ). I've intended on reporting both lenders for some time, but my health just wasn't in a place that let me do so. 

The essence of my complaint includes a minimum of T.C.A. violations, fraud, and breach of contract. 

I say a minimum of the above, because these are the only ones that I know I can prove. I'm attaching the amended complaint, which is super long, and the motion to remand, which has a summation in paragraphs numbered 1-8. I'm attaching the exhibits associated with these paragraphs. Please feel free to reach out to me for others. I can email them to you. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  loans are appearing on my consumer reports and I have not validated any of these debts. I have sent it letters to the consumer reporting agencies and am now waiting on a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS LOST/STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

A MERCHANT IN THE INTERNET ADVERTISED A BEAUTY PRODUCT FOR FEMALES THAT WHEN APPLIED TO THE FACE WOULD HELP THE APPEARANCE BY REMOVE OLD AGE SPOTS, ETC. THEY WOULD SEND SAMPLES OF THE CLEANING CREAM AND A " MOISTER TO APPLY BEFORE THE MAKEUP. WE ONLY HAD TO PAY THE SHIPPING CHARGE OF {$4.00}. WE ORDERED THE SAMPLES AND WE CHARGED OUR BANK OF AMERICA CREDIT # XXXX XXXX XXXX XXXX. WE RECEIVED THE ITEMS WITH OUT ANY CORRESPONDENCE OF ANYTHING. THE WRITING ON TH ITEMS COULD NOT BE READ WITHOUT THE XXXX XXXX TELESCOPE. WHEN WE RECEIVED OUR CREDIT CARD STATEMENT WE WERE CHARGED $ XXXX ADDITIONAL FOR THE SHIPPING AND WE RECEIVED TW0 CHARGES OF ABOUT {$98.00} FOR EACH ITEMS. WE CALLED THE MERCHANTS AND THEY TOLD US THAT WE HAD TO RETURN THE ITEMS WITHIN 14 DAYS IF WE WERE NOT SATISFIED OR WE THEY HAD THE RIGHT TO CHARGE US THE COST OF THE ITEMS. WE TOLD THEM WE PURCHASED " SAMPLES '' ONLY. THEY TOLD US THAT WAS THEIR POLICY PERIOD. WE CALLED THE BANK OF AMERICA CUSTOMER SERVICE AND THEY TOLD US WE HAD TO PAY THE AMOUNTS PERIOD. WE WROTE MANY LETTERS TO THE BANK AND EXPLAINED THAT WE PURCHASED " SAMPLES. 

WE TOLD THEM THAT THIS WAS A SCAM AND WE WERE NOT GOING TO {$200.00} FOR SAMPLES AND WE RETURNED THEIR CREDIT CARD. 

THEY HAVE CONTINUED TO CHARGE US LATE FEES AND INTEREST WHICH TODAY TOTALS {$440.00}. WE BELIEVE THIS IS A SCAM AND BANK OF AMERICA IS A CO-DEFENDANT OF THIS SCAM. IN MY XXXX YEARS I HAVE NEVER HEARD, EXPERIENCED, OR READ WHERE YOU BUY A SAMPLE AND LATER YOU ARE CHARGED THE PRICE OF A NON SAMPLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on both XXXX and TransUnion information that shows inaccurate and conflicting information. Not only have I been shown any information verifying the account does belong to me and not my adult son, but I have yet to see any payment history, any documents with my name on them, or any proof this is actually my account. 
Also, the information being reported by both, is different! They both have two different open dates, and two different active dates. They can both be wrong, but they both can't be right! 

Please remove this account from my credit report, as it is hurting my score. If you are unable to verify and report XXXX percent accurate reports, I want them removed.
Product: Debt collection

They claim this amount due was for a bill incurred during XXXX. However, I have went back many years on my credit and had seen where several collections companies have passed this around. I called and asked if this debt was time barred and they stated they had no idea what that meant and refused to even acknowledge the terminology. I then called the company of who the debt is owed and after much time they determined this debt was from XXXX and written off. Well passed the statue of limitations. The company where debt was owed agreed with me and is sending them a letter to show account balance owed XXXX and they did not hire them to pursue this further.
Product: Mortgage

Our home owners insurance is made with our monthly payment to Ocwen financial service. The invoice from the insurance company is sent out in XXXX, and is due XXXX XXXX. As is the case this year and the past two years, Ocwen does mske the payment prior to the home owners insurance policy lapses.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the customer consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

They have contacted my employer and my references at least once every two hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially called XX/XX/22 to close the account due to being unable to do so through app. On the application it stated that I owed a balance of {$0.00} on the payday loan but still could not close account. I called 2 more times until the company admitted it was an application error they were aware of on XX/XX/22. They have been charging me a membership fee of {$19.00} per month for 7 months. The account shows in collections when the payday loan I obtained through the MoneyLion Application has been paid off for some time. They are unwilling to refund me more than 2 months and have falsely reported money owed on my credit.
Product: Credit reporting or other personal consumer reports

A few day ago first national bank called me and left a voicemail and said I was going to jail if I dont sign a paper stating that I will come to court they said they have my job address and there coming to serve papers at my job within 24 hours they called me more then twice they sent me fake court papers to be in court on the XXXX and that was on a Sunday and they called my son house asking questions about me and your not suppose to call no one but my significant other
Product: Checking or savings account

I opened a high interest 360 savings account at Capital One over a decade ago ( prior XXXX XXXX ) to hold my XXXX XXXX XXXX. During the last 10 years I periodically read about high interest savings accounts to see if I should switch my account but saw that Capital One 360 savings was one of the highest high yield savings accounts. I parked my savings in this account and didn't touch it except to deposit more every now and then. Two weeks ago, around XX/XX/XXXX I decided to use the savings for much needed house repairs. I noticed that the interest payments seems very low, and at a much lower rate than advertised on Capital One 's website. I then learned that Cap One had changed the interest rate on my 360 account years ago, and simply created a new product. I was furious. This is XXXX of dollars. 

A friend forwarded the CFPB 's complaint against Cap One about this very practice. I tried calling Cap One to resolve this issue, and am still on hold, being assigned a case manager, etc.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion, XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to permanently remove the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report anything using my info pursuant to 15 USC 1681 4
Product: Debt collection

The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXX. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is.
Product: Mortgage

Called XXXX XXXX they said they are not suing me. Hired a private investigator. He said trust claiming ownership does not exist, tax numbers also do not exist, people signing documents are not employees of the company they are claiming and are actually employees at the time of XXXX XXXX XXXXXXXX. Actual company loan was took out from ceased existence in 2007 and forfeited their license in 2007 to do business. Documents submitted to initiate case and to support their case are from another non named party called select portfolio servicing. They are a non named party and their power of attorney is actually a limited power of attorney which strictly prohibits any participation in legal matters. 
Also the documents filled in the courts have been altered, do not comply with the express conditions precedent of the trust founding documents, and fail REMIC laws.