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

Hello, I recently had my account closed by Chase Bank for " unexpected activity ''. I have never seen or heard that term used before with any banks. They sent me snail mail during the holidays ( they did not take that into consideration when sending ) and it got to me too late. On the letter is states that my account was set to be closed on XX/XX/XXXX and that all transactions will be declined. However, I was still making purchases past the given date. They also gave me less than 30 days to transfer/withdrawal my funds, which is not usual. They gave me 2 weeks essentially, including delivery time, during one of the busiest times of the year. Upon opening the letter, I decided to call immediately, I was still able to log into my account. I also noticed with the letter they sent another one titled " update '', implying that this was a second letter, but it was all in one. The ladies on the phone were extremely unhelpful and told me I have to go to a branch to get it resolved. The next day, today XX/XX/XXXX I decided to go to my local branch and speak with my usual banker. He told me that unfortunately the mail is a constant issue they have and since I didn't come into the branch before the date listed I have to wait until the XXXX for it to start being processed and it wont get delivered until XX/XX/XXXX. Which means I won't get it until after XXXX because everything is closed. They never mentioned that I had to come in before the date or come in at all on the letter. The only reason it stated to come in was to claim my rewards. They also never emailed, or called me to notify me of the pending closure, they just closed it. I also went in today to retrieve my routing and account number and the lovely ladies I spoke on the phone with restricted me from accessing it. That is an issue because my employer will continue to make deposits unless I fill out a form that requires those numbers. My banker called to try and have the check expedited, but they said it was too late. They also told him that the official closing date is XX/XX/XXXX on their end, which doesn't make sense to me if all my information linked to the account was deleted and the letter said XX/XX/XXXX. I have to pay rent and bills I can not afford to wait until after XXXX for my money. I don't think it's ethical considering the account was closed last week. Upon this happening to me I realized a lot of people had success with you guys and my banker suggested I file a claim.
Product: Payday loan, title loan, or personal loan

i made a payment for XXXX using my debit card and speedy cash took the money out of my checking asccount and did not credit my loan. they are still charging interest. I sent them proof of the doc and not actioning it
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX  Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my complaint to CFPB regarding the broken laws from XXXX XXXX XXXX. They sent this letter. This is a letter of proof from XXXX XXXX XXXX that they have CEASED all collections at this time.
Product: Mortgage

I contacted nationstar in XXXX 2013 about my XX/XX/XXXX payment. I asked if there were any programs I can use for my payment. My son was starting college and he had several fees and charges popping up and I was n't sure how many more were coming. I was advised that I could n't move my XX/XX/XXXX payment to the end of my loan cycle but I could make my XX/XX/XXXX payment over the next four months in equal payments. I made it clear that I could make my XX/XX/XXXX payment and I did n't know if they had programs for college families. It was offered to me as a payment option and not ever was I told it would show up on my credit report as MISSED payments ( three in total ). I did n't pay XX/XX/XXXX as agreed and paid extra over the next four months. I found through XXXX XXXX that I had three missed payments in 2013. I called Nationstar and was told why it reports that way and if I asked the question would it hurt my credit they would have told so. So it was my fault that I didnt ask the right question. I am not happy. I would have made my payment and if needed borrowed money from my XXXXK. The sad part is no more fees came up for my son and this was all for nothing. I thought it was so awesome that this company had so many ways of providing customer service through payment options. I feel frustrated and am thinking of taking my account to another bank.
Product: Credit card or prepaid card

American Express send me an offer in reference to a XXXX promotion, if I spend XXXX or more at a XXXX XXXX I would get XXXX dollars statement credit, as stated in the mailing i have to enroll for the promotion between XX/XX/2019 to XX/XX/2019. Last week i attempted to enroll several times and every time I got an error : " Sorry about that! It doesn't happen often, but offers are currently unavailable. Please try again later. '' Today I called to complain with american express and let them know that before I stated at a XXXX XXXX  i attempted to enroll on the promotion and that the error below was appearing, I stayed at a XXXX XXXX on XXXX XXXX and spend more than 200 dollars as per the promotion. 

I even try to enroll again today and I got the same error see attached pictures, the supervisor that handled my chat session today " XXXX '' stated that the promotion was not available to all the cards and that there was nothing she could do, however again if you look at the picture yo can see that the website states that the promotion is available to all my cards. this is false advertisement and very poor customer service, very disappointing from American Express.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Re : Dispute of Inaccurate Late Payments on XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate late payments reported on my credit report related to my XXXX XXXX XXXX account [ Account Number : XXXX. Upon reviewing my credit report, I noticed that several late payments were reported for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, even though I was eligible for CARES Act protections due to COVID-19-related financial hardship. These late payments should not have been reported and should be corrected in accordance with federal law. 

COVID-19-Related Financial Hardship : I was financially impacted by the COVID-19 pandemic, which led to my requesting a deferment from XXXX XXXX. 

I was granted a 2-month deferment on my loan in XX/XX/XXXX, which applied to the months of XXXX and XX/XX/XXXX. 

According to the CARES Act, loans impacted by COVID-19 and placed in a deferment should not have any late payments reported to the credit bureaus for the period of the deferment, and the account should be reported as current. 

Late Payments Reported After Deferment : After the deferment ended in XX/XX/XXXX, late payments were reported on my account in XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 

Since I continued to experience financial hardship related to COVID-19, I was eligible for additional protections under the CARES Act, which require that accounts impacted by the pandemic not be reported as late or in default if the borrower is receiving assistance, such as forbearance or deferment. 

Inaccurate Reporting Under the CARES Act : The CARES Act mandates that lenders report accounts as current during periods of forbearance or deferment due to COVID-19-related financial hardship. The late payments reported after my deferment period is a clear violation of this law, and I request that they be removed from my credit report. 

My deferment should have covered any payment issues during XXXX and XX/XX/XXXX, and the late payments in XXXX following this period should not have been reported. 

Request for Correction : I kindly request that the late payments reported in XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX be removed from my credit report as they were inaccurately reported in violation of the CARES Act protections. 

Please review the documentation of my deferment and the timeline of my account to ensure that these late payments are corrected accordingly. 
I have attached any relevant documentation that supports my dispute, including : A copy of my XXXX XXXX loan statement showing the deferment. 

Any correspondence or records that demonstrate my COVID-related financial hardship. 

A copy of my credit report highlighting the disputed late payments. 

I kindly request that this dispute be resolved in a timely manner, as I am entitled to an accurate credit report under the law. I look forward to your prompt response and correction of the reported information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023, I mailed a letter to LVNV Funding/Resurgent Capital referencing account XXXX. I requested full validation of this debt, proof that I am indeed the party they are asking to pay this debt, and proof there is some contractual obligation that is binding for me to pay it. I requested that LVNV Funding/Resurgent Capital stop contacting me by telephone and email and restrict their contact with me to writing only via postal mail to my current mailing address only when they can provide adequate validation of this debt. On XX/XX/2023, LVNV Funding/Resurgent Capital sent me an account summary which is not proof of ownership and the right to collect on the debt. LVNV Funding/Resurgent Capital communicated with me after a cease and desist was requested in the letter. LVNV Funding/Resurgent Capital failed to provide me with a purchase agreement that lets me know who has had ownership of the debt, how they can collect on the debt, and if they can sue for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

o Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

My federal student loans have been mishandled by my loan servicer, Fedloan Servicing, resulting in an inappropriate interest capitalization of {$50000.00} applied to my principal balance in XXXX XXXX. I request that this sum be removed from my principal balance. As a result of this error approximately {$10000.00} excess interest has accrued on my account as of XXXX XXXX, XXXX. 

Background : I am enrolled in an Income Driven Repayment ( IDR ) program facilitated through the Department of Education in conjunction with my loan servicer, Fedloan Servicing. Under the umbrella of IDR, I am enrolled in the specific loan repayment program known as Income Based Repayment ( IBR ). Income Based Repayment allows me to make reduced payments, relative to the standard 10-year loan repayment, based on my income. An additional benefit of IBR relates to the method in which interest accrues upon my loan balance. If my payments are on time and I remain enrolled in IBR by accurately completing an annual application, then interest remains in a separate balance and does not capitalize directly upon my principal balance. In other words, my principal loan balance will remain static even if my loan payments are not large enough to pay down the principal balance. Instead, the balance of my accrued interest will increase. 

In XXXX of XXXX I applied for my annual IBR renewal and submitted the requisite documentation of my income which included an earnings record from a non-profit employer. This documentation of income was rejected by Fedloan Servicing because " gross income could not be calculated '' and I was issued a rejection letter. I contacted Fedloan Servicing to inquire why this error occurred. Representatives cited the lack of a payment frequency ( i.e weekly, bi-weekly, monthly, etc. ) on my earnings record. As a result of rejection, I was billed at a level consistent with a standard-10-year-repayment plan ( ~ $ XXXX ) and my interest ( ~ $ XXXX ) capitalized upon my principal loan balance When I was notified of my rejection, I informed Fedloan Servicing that the payment frequency was, in fact, documented on the earnings record. Fedloan Servicing subsequently admitted fault and processed a refund from the Dept. of Treasury in the amount of {$3000.00} on XXXX XXXX, XXXX for the erroneous standard-10-year-loan-repayment. This documentation is verified by internal records at Fedloan Servicing. 

Fed loan servicing also verified culpability by processing an 'administrative forbearance ' which is supposed to prevent interest capitalization. This forbearance was also not processed correctly and the interest capitalization was not corrected. 

Overall, I find Fedloan Servicing 's handling of my loans to be egregiously inept and even predatory in nature. I look forward to hearing back from your office regarding your opinion on this case. Please let me know if you need any additional information. Thank you in advance for your help. 

I have supporting documentation ( letters from FLS, bank statements, phone call documentation ) that corroborates my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraudulent / unauthorized inquires from XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX  on XX/XX/2020 or provide proof in writing within 30 days
Product: Money transfer, virtual currency, or money service

I sold my house this year and XXXX Mortgage send me a check for my remaining escrow. I deposited this check into my chase account ; however Chase bank put a hold on the check. I called chase bank, and they said the check can not be verified. I called XXXX Mortgage, but they said the check is valid. The guy I talked to at XXXX said it is weird that they cant verify the check. 
Later, Chase bank closed my account and put hold on my check. 
I called back XXXX Mortgage to reissue me a new check, but they said chase bank has already cash the check, so they can not issue me a new Check. 
I called chase bank again, and I told them to call XXXX to verify the check, but the woman said they can not call XXXX Mortgage. 
As at now, XXXX is still holding on with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX  XXXX accounts XXXX XXXX XXXX accounts XXXXXXXX XXXX accounts XXXX XXXX XXXX accounts XXXX XXXX XXXX  accounts XXXX XXXX accounts XXXX accounts XXXX XXXX accounts
Product: Credit reporting or other personal consumer reports

This CFBP complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX  on XXXX XXXX under the account number : XXXX XXXX  with a balance of {$10000.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is a result of IDENTITY THEFT and FRAUD. I have attached a copy of FTC IDENTITY THEFT CRIMINAL COMPLAINT FTC REPORT NUMBER : XXXX. As proof from the U.S Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I called Chase Bank about a credit limit increase on my business credit card. The agent said that there was no hard pull on my XXXX and XXXX reports. I asked again " are you sure there is no hard inquiry? '' He confirmed and repeated that there would not be a hard inquiry. I proceeded with the application based on that information. A hard pull showed up on my credit immediately. I filed a case with Chase bank and after investigation, they confirmed that I was given misinformation but said they would not remove the inquiries. 

I also called XXXX, but they said that Chase bank would have to send a letter to have the inquiry removed.
Product: Credit reporting

Call the let them know this was a mistake and i have turn in the equipment ans send prof and the refuse to respond Still saying i did not i sent them and dish even i send them prof of me getting charge
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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: Payday loan, title loan, personal loan, or advance loan

I used the Synchrony pay later option during checkout with the lowesXXXX order for a washer and dryer. Upon completion of the order, there was an issue on Lowes end with the delivery method for the dryer, so they had to change the order to ensure that both the washer and dryer will be delivered together. When I made those changes I had to reapply with the Synchrony pay later feature and pay an additional deposit, I hadnt already paid a deposit for both the washer and dryer on the first order. Now the two accounts are separated one account for the washer and one account for the dryer. I paid an original deposit for the set of washer and dryer and during the delivery mixup I had to pay another deposit for the dryer again and they couldnt fix that. So I paid {$190.00} for the deposit on the set and then an additional deposit of {$99.00} for the dryer order due to the error. The orders should not be over {$86.00} per month over a 12 month period for the purchases. However, the washer account has a monthly payment of {$160.00} as if im paying for the set, and the dryer account has a payment due of {$86.00}. Synchrony told me I had to pay the {$160.00} even though I didnt borrow the amount reflected on rhe washer account, even though I would no longer be paying a monthly payment over 12 months at the rate of {$160.00} per month. They told me to still pay that amount to avoid adversities on my credit, as of now they still have not fixed the loan account documentation to reflect the actual amount borrowed to correct the payments over a 12 month timeline and instead they have charged me late fees, additional interest, and they have yet to rectify the account to reflect what I actually borrowed, even after me calling and speaking with a manager. They said it was an issue that their back office has to correct and its been a month and theyve yet to do so.