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

Hello my name XXXX XXXX XXXX. I have an account with Chase Bank. I am writing this letter to inform you of a harsh and uncalled for experience that was meted to me at a local chase bank on XXXX XXXX XXXX XXXX, XXXX Texas XXXX on Saturday XX/XX/2018. 
I went to this location ( XXXX XXXX XXXX XXXX, XXXX Texas XXXX ) to withdraw money from my account. The amount I wanted to withdraw was a little over ten thousand dollars. 
Before going to the location, I checked my online access and it indicates the availability of the funds. However on getting to the location, I was surprised that the Chase Bank representative on duty XXXX XXXX XXXX informed me that the funds can not be disbursed to me. I asked to find out if there was any hold on my account but she informed me that there was none. She gave no special reason why the funds can not be made available to me. 
Even after giving her all the required valid identification, she still refused to disburse my funds. 
I left that location and drove ( few minutes ) to the XXXX / XXXX XXXX location ( XXXX XXXX XXXX, XXXX, TX XXXX ) which is within a 10 minute drive interval. The funds were made available to me at this location ( XXXX XXXX XXXX, XXXX, TX XXXX ) without any difficulty. 
The whole incident did not feel alright especially considering why XXXX XXXX the Chase manager refused to disburse my funds. 
My observation is that XXXX XXXX XXXX attitude to me is a text book version of racial profiling. She did not have any reason for denying disbursing my funds. She never complained of not having the said amount to disburse. I feel racially profiled by the Chase Bank representative. Since Chase Bank has the same policy overboard, why did the other branch down the street disburse my funds without asking questions in a 10 minute interval? I feel the Chase Bank representative is choosing and picking her customers based on her personal mundane reasons. She may have been wondering why I was withdrawing the earlier stated amount of money. It is because of this reason that I am bringing this to your attention. 
Sincerely, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had XXXX XXXX showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XX/XX/2018 and they still are illegally reporting this as a closed account with a negative balance.
Product: Credit card

There is a charge on my credit report from HSBC that is over 10 years old. I have contacted the company and asked for the contract showing this is a valid debit and they have refused to send what I am asking. All they have sent me is a statement telling me this is a valid date, but no signed contract.
Product: Mortgage

Hello, Our mortgage is in good standing and was recently transferred to a new provider. 
We requested specific information regarding our accounts PMI. We wanted to know what our monthly cost is and if it could be eliminated from our account due to our good standing and additional principle. In the event our account did not the correct debt ratio, We wanted to know how much additional principle would be required to eliminate PMI. We called to make this request and was told to contact the organization through their website. 
We contacted several times through the website, received a tracking number and an automated message stating we would hear back in 5 business days. this has been ongoing for 2 months.
Product: Debt collection

I am just now finding out about an additional account that was opened fraudulently using my information again. This is the fourth one since last month. LVNV FUNDING LLC has made no attempts to contact me to let me know about this debt or give me the opportunity to dispute it. If they had done what they are required to do by law, I would have immediately told them the debt was fraudulent and a result of identity theft and provided them an updated police report. I have both an FTC and police identity theft report filed detailing my identity theft. I just updated the FTC report today to include this new debt that I am just now discovering through this debt collector, the police report will take longer to get an updated copy. I am a victim of several data breaches including but not limited to ; XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX XXXX XXXXXXXX ( XXXX ). All have left me battling identity theft and ransoming things popping up on my credit for YEARS. There is, again, an active fraud alert on my credit accounts.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} 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

On XX/XX/XXXX, I sent a request/ letter of demand to have these account removed on the legal grounds that it is false and inaccurate, and yet it remains on my report. 
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  This account has over 8 consecutive 90-day late reporting, how can I be 90 days late every month FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
As per my legal right, either permanently delete this account or provide me with ( XXXX ) the description of the procedure you used, ( 2 ) the name and address of the business that verified this information, and ( 3 ) the telephone number you used to verify this information. 
I dont believe you can provide the above verification, because the information itself is FALSE and the furnisher would not verify false information! 
I expect to receive a prompt response confirming the deletion of this inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank does not follow Regulation B and literally asks about marriage status for credit reporting, does not report authorized user on a credit card to my credit report even though I have provided my ssn and they are by law supposed to do that, supervisors never call back and agents purposefully avoid getting a supervisor and go so far as to disconnect the call when I request a supervisor or who their primary federal regulator is. This happened to me today with an agent XXXX who would only provide her first name and refused to provide an ID number. I am a credit card agent for a major XXXX Bank and International so am very shocked by all of this.
Product: Credit reporting or other personal consumer reports

hello i recently sent a letter to experian on XX/XX/2024 in regards to some accounts they have listed as charged off. I asked for them to send me the method and information they used to investagete these debt collectors.
Product: Mortgage

My loan was transferred to SN Servicing Company on XX/XX/2022. I was charged a late fee prior to the end of my forbearance. I received a statement regarding my escrow account. The letter stated that the escrow account was negative {$3000.00} and that the additional payment was {$200.00}. I requested an escrow analysis on XX/XX/XXXX according to my RESPA rights. I have not received a response from the mortgage company and it has been almost two months. I have continued to make the additional payment with no response from the company. The mortgage company also charged me a late fee in XXXX for not including the additional payment for the escrow shortage.
Product: Credit reporting or other personal consumer reports

In continuance of my previous dispute against Transunion Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within XXXX  days now this account in violation Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account was in dispute within XXXX  days now this account in violation.
Product: Debt collection

They will not stop calling me. Telling me I'm approved for a consolidation loan to pay off debt. They call from all different numbers every time so I can't block them but the call back number is always the same. I have selected to have them not call anymore but it didn't work. They call at least twice a day sometimes up to 6 times.
Product: Checking or savings account

On XX/XX/XXXX my wife, who is a joint account holder on all my Discover Bank accounts, called Discover Bank to activate a new debit card, at which point she was informed that of all our accounts at Discover Bank had been closed ( this includes two joint savings and two joint checking accounts. We have no credit card accounts with Discover Bank, and owe them no money ). My wife asked to speak to a supervisor who informed her that our funds would be sent via check within 60 days. The supervisor informed her there was no indication of any illegal activity or fraud. The supervisor would not explain why the accounts were closed without notice. The supervisor stated that we would not be able to transfer our funds to another bank and that we would have to wait for a check to be issued. 
We called Discover Bank again to expedite the payment due to financial difficulties we were facing, and the Discover representative stated that a check would be sent to us on XX/XX/XXXX. 
When we called on XX/XX/XXXX to confirm that the check had been sent, we were informed that the check had not been sent. We again asked to speak with a supervisor who informed us that there was no legal issue and that they would get the check expeditated within 2 weeks, and that a check for {$11000.00} would be sent by XX/XX/XXXX. 
When we again called to confirm whether the check had been sent, Discover Bank informed us that the check would be sent shortly after XX/XX/XXXX. 
When no check arrived in the first 2 weeks of XX/XX/XXXX, we attempted to follow up with Discover on XX/XX/XXXX and were told that a representative from Discover bank would reach out to us on XX/XX/XXXX. The agent informed my wife on XX/XX/XXXX that the check should be mailed out on XX/XX/XXXX. When I called Discover Bank later on XX/XX/XXXX to confirm that this was indeed the case, the representative, whose name is XXXX, informed me that the earliest we could expect the check was XX/XX/XXXX because checks would only be mailed out 60 business days after the last deposit was made to our accounts she informed me that the final deposit date was XX/XX/XXXX. I asked to speak with a supervisor and was informed after an hourlong hold that no supervisor was available. I asked to have a supervisor call me to explain the continued misinformation and to confirm when our funds would be sent. The representative informed me that she could not confirm the balance we are owed, nor the reason for the continued delays. 
Discover bank scheduled a telephone appointment for XX/XX/XXXX to speak with a supervisor. On XX/XX/XXXX, a Discover representative called to inform us that the appointment was postponed to XX/XX/XXXX between XXXX & XXXX EST. On XX/XX/XXXX a representative from Discover bank postponed the telephone appointment for the second time, giving a new date and time for XX/XX/XXXX at XXXX EST. 
Given the events over the past couple of months, I have no confidence in Discover Banks motivation to resolve this issue. I believe that they will continue to avoid our efforts to obtain the funds they owe us. I therefore see no option but to file a complaint.
Product: Prepaid card

XXXX, to refund {$6.00}, sent me a XXXX issued by Fifth Third Bank, N.A. 

To activate it online took almost XXXX minutes. I can not use it when I purchase over {$6.00}. If I use it for a purchase lower than {$6.00}, then the balance carries over to use it for even a lesser amount for the next purchase. These restrictions are designed so that customers like me will end up not using the card. They also charge a monthly fee {$3.00} and replacement fee of {$25.00}. 

Using the credit or debit card method to refund the balance results in people not claiming it adding to the enormous profits ( unclaimed cards ) of the company issuing it. I will be stuck with monthly fee as well. 

Consumers must not go through such hassels to claim their refunds. This is a deceptive practice and CFPB must stop it. Please instruct the companies to issue refund checks instead of sending refund credit or debit cards.
Product: Credit reporting or other personal consumer reports

Ive reach to Nelnet to correct student loan report on my XXXX credit report since I no longer owe them anymore because another student loan servicer name XXXX took over the loan. All balances were transferred over. Unfortunately Nelnet still reporting to XXXX that I owe them when in fact I have proof that I no longer owe Nelnet and everything was transferred over to XXXX. I called Nelnet and they were supposed to take care of this matter over 4 months ago. Unfortunately they failed to do so. Ive also disputed this matter with XXXX over 3 times and they also failed to correct the issue even though I provided proof/evidence. They still failed to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to equifax stating that I reviewed my credit report and found a negative item reporting by XXXX XXXX for {$130.00} that Im not the debtor for that debt, and I asked that they would conduct a full investigation into the matter and contact me by mail with the conclusion of their investigation. Equifax received my letter on XXXX/XXXX/2020, on XX/XX/2020 they said that they verified the negative item as a debt belonging to me but they have not showed me in any way the methods used to verify this debt and me being the debtor for this debt. I am contacting you so that you can help me resolve this matter. Thank you
Product: Debt collection

I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : XXXX {$1500.00} -XXXX  XXXX {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX {$690.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX XXXX  Dear CFPB Representative, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding my account with XXXX XXXX. Despite my efforts to address and resolve this matter, XXXX XXXX  has failed to provide verifiable evidence supporting the reported late payments, leaving me with incorrect and harmful information on my credit report. 

I initiated a formal dispute with XXXX XXXX and requested a thorough investigation of the late payments being reported. However, during phone conversations with their representatives, I was informed that they are unable to verify the accuracy of the reported late payments. XXXX XXXX admitted that their only available records are limited to bank statements, and they do not have the necessary resources to conduct a proper investigation. This failure to verify the accuracy of the reported information is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, any information that can not be verified must be promptly removed from my credit report. Despite their inability to verify the information, XXXX XXXX  continues to furnish incorrect data to the credit reporting agencies. This has caused significant harm to my financial standing and has severely impacted my ability to : Obtain a job, including certain federal positions that require stringent background checks. 
Purchase a home to provide a stable living environment for my family. 
XXXX future credit opportunities to rebuild my financial health. 

As a professional working with XXXX XXXXXXXX XXXX XXXX XXXX and a dedicated provider for my wife and XXXX  daughter, I take my financial responsibilities seriously. The continued inaccuracies on my credit report hinder my ability to build a stable future for my family and achieve my career aspirations, including my upcoming training at the XXXX XXXX  in XX/XX/year>. 

I am requesting the CFPB to take the following actions regarding XXXX XXXX  : XXXX. Investigate XXXX XXXX  failure to properly investigate my dispute and verify the reported information. 
XXXX. Require XXXX XXXX  to provide verifiable evidence supporting the reported late payments or remove all unverifiable information from my credit report. 
XXXX. Ensure compliance with FCRA standards to protect consumers like me from the consequences of unverified and inaccurate reporting. 

Enclosed, I have included copies of my written dispute, correspondence with XXXX XXXX, and any supporting documentation. 

Thank you for your attention to this matter. I trust the CFPB will take appropriate action to ensure that my rights as a consumer are upheld and this matter is resolved fairly and promptly. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I received a notice from Freedom Mortgage in XXXX of XXXX, dated XX/XX/XXXX about my mortgage PMI not being paid and I owed them {$5300.00}. Freedom Mortgage acquired my mortgage from XXXX XXXX on XX/XX/XXXX. 

I was informed I had two options : Pay the full amount of {$5300.00} or my monthly payments would be increased from {$1800.00} to {$2500.00} monthly. ( A {$760.00} increase monthly for 12 months ) They gave me no other choice and demanded that I pay the increased amount. The mortgage company decides to raise your mortgage and you have no way to fight the decision. You either pay it or they Foreclose on your home. 

Before my mortgage was sold to Freedom from XXXX XXXX  my mortgage was {$1800.00} and XXXX XXXX had the PMI removed in XXXXXXXX XXXX XXXX ( See PMI removal letter Attached-Letter dated XX/XX/XXXX ) For 6 months ( XX/XX/XXXX until XX/XX/XXXX I paid {$1800.00} to Freedom Mortgage and in XX/XX/XXXX I received the letter requiring and increase for the PMI. 

I spoke with Freedom Mortgage and they stated that the information was not transferred to them and they would contact XXXX XXXX. I have gone back and forth with Freedom Mortgage for months while all this time they have been sending me monthly statements at the {$2500.00} rate for the last 6 months. 

I have spoken to Freedom Mortgage over 20 times trying to get this issue corrected and get some relief ; the extra {$760.00} added to my monthly payment has put a tremendous strain on me and my family. I am struggling every month to pay this outrageous increase. I do not know how long I can keep it up, I am at the bare minimum of my finances. 

Just recently Freedom Mortgage stated that XXXX XXXX made a mistake when they removed the PMI by using the wrong chart and that XXXX XXXX has admitted to their mistake. This does not solve my problem and I do not like being in the middle of two mortgage companies issues, and the one who is suffering is me. I am the one that they have screwed over and raised my mortgage to an amount that I will eventually be forced into Foreclosure. I need the CFPB to step in and assist me. I can not fight giant Mortgage companies.
Product: Credit card

I received a letter from TD Bank in connection to my XXXX XXXX Account being closed on XX/XX/year>. The letter is dated the 2nd and reached my XXXX XXXX XXXX. I called to see how TD Bank/ XXXX will be compensating customers for their closing of the line of credit which will effect customer 's credit reports negatively. TD Bank said the account will remain open until it is closed or paid off and that the reported available line of credit would not be usable for XXXX XXXX or anything outside of XXXX. So effectively from what I understand the line of credit would be reported without actually being able to be used. If I had known their business arrangement was on such shakey ground and that no subsitutions for the line of credit would be offered then I would have not entered into such a contract which would damage my credit score. As it was advertised as a revolving line of credit and not a loan I believe customer 's have a right to be angry about the rugpull.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY TRIED TO BUY CAR FROM XXXX, I AUTORIZED THEM TO PULL THEM AND XXXX XXXX AUTO FINANCE TO PULL MY CREDIT REPORTS, WE DROV TWO HOURS TO PICK UP CAR AND WAS TOLD XXXX XXXX DENIED MY LOAN. I HAVE 6 CREDIT PULLS FROM XXXX  XXXX AND 1 FROM XXXX. THEY ALSO, PULLED 11 OTHERS.ESPECIALLY OMN MY EXPERIAN.
Product: Credit card

Contacted Capitol One. Asked why I was charged {$39.00} late fee when payment was on time as the previous payments. Have proof on cc itself as well as my bank. Asked when they were dropping their fees since it was illegal to be charging such a high fee. Capitol One put me on hold for XXXX mins then disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian credit to stop contacting me regarding an unauthorized attachment to my email address to someone else 's account. They still continue to email my daily business even after multiple attempts to have it stopped