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

On the XX/XX/XXXX, I was restricted access to my bank. I contacted chase immediately and they had mentioned my account was under review. Coming from someone who has absolutely never broken the law and never would, I was completely shocked when they told me this. I decided to wait for them to contact me and tell me I had access again, but I received no call. I asked for more information on what was happening and they said they cant tell me and I had no rights apart from waiting for a call from an XXXX number. Its been a month now and they are still holding my money. This has caused my credit score to drop drastically as I didnt pay my credit card on time, and has put me in a really difficult place financially.
Product: Credit reporting or other personal consumer reports

Disputing Information in Credit Report I am writing to dispute the following information that your company has reported to my credit thats inaccurate. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item XXXX XXXX account # XXXX is inaccurate How can I open the same account on two different dates XXXX says XXXX on XX/XX/year> Experian says opened on XX/XX/year> Please delete this account. 
Also XXXX says there are XXXX late payments but Experian is reporting XXXX late payments. Please delete this account!! 

Enclosed are copies of my credit report supporting my request. Please reinvestigate this matter and remove the inaccurately reported account from my credit report.
Product: Checking or savings account

I had three transactions that were presented to the Bank when the bank account had a positive posted balance and a positive available balance. The next day, two of the transactions cleared the account. On the same day, a fourth transaction was presented that took my available balance negative, but not my posted balance yet. They charged insufficient funds fees on the two transactions that were presented when the available balance was positive and that cleared when the posted balance was positive. Then on the next day the 3rd and 4th transactions cleared my account, and solely because of the fees, I no longer had funds to cover the 3rd transaction. They were justified in applying a fee to the fourth transaction. But the first 3 fees were completely unjustified. After speaking with them, they admitted that is how they handle the fees and as a courtesy, they refunded 1 of the 4 fees. The fourth transaction was for {$12.00}, and would have dropped my account balance to $ ( XXXX ). They have charged me {$98.00} because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed a amount to XXXX and the debt was forgiven due to a total and permanent XXXX program. I have contacted them before and they stated they would remove the debt from the credit reports and I have a letter saying such but I have not seen a change in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX they take the company side every time I had a dispute with XXXX XXXX and it was not my account syntroney bank added my name to the account when my wife filed bankruptcy I am suing them now. Now XXXX is siding with quicken loans they aboved my loan they up the closing cost to over XXXX I sued them small claims and they paid me But they ran my credit 13 times I have no idea why thAt could happen. I want this off my record quicken loans is a bait and switch company this wasnt on my credit until I sued them then they added all the credit checks to get me back. If they are in the right just so up for court instead of paying I have proof of payment
Product: Checking or savings account

This problem all started by my account having a temporary suspension of transferring money because of a reversal. When I called to get everything sorted out, they stated that I needed to verify my license through a link and everything should be settled. They stated in the call that I had a reversal and if I had another then my account would be closed and I stated I understood. However there was an error when sending the picture of the license and they can only send one link a phone call as the representative stated. She told me to call back to receive another link and process my account suspension being lifted. When I called back I received another link and the new representative stated the same thing about my account having a reversal and to be cautious. I stated I understood and she sent me the link. However, the website was under maintenance at the time I called so once again we were unable to process uplifting the suspension on my account. She told me just to call back in and hour or two so I could finally receive the link and process what I had been trying to do for six hours at this point. When I called back for the third time, and tried to receive my link, the third representative told me they were closing my account. He also told me I didnt have one, but three total reversals on my account! This was the complete opposite of what I was told by two prior representatives! And besides the facts, the reversal happened because I was moving money around in my primary XXXX XXXX XXXX XXXX account and didnt realize I requested the transfer before I started moving funds! Ive always had a great standing with my primary account and Capital One closing this checking account is extremely unfortunate! Please help me get it reopened.
Product: Debt collection

a Representative from Recovery Solution Group sending texts threatening to reach out to family, know associates, and landlord to discuss the debt
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is reporting income on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many incorrect items appeared in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681a ( 2 ) ( A ) ( I ) late payment are not suppose to be report on customer report its against the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

Several calls was made to Transunion today ( XX/XX/22 ), in an attempt to do the following : request that only my current, physical, and official name, and address appears on my credit! It wind up being : a waste of time, effort, and investment to getting something done! Their automated system had already drilled, and screen me first, to make sure of my identity, in which I did successfully passed! It wasn't until I was connected ; to alive agent, when all the drama started! Every time looking around, my security response was incorrect! It just seems to me, I should had passed, one of those security questionnaires! Transunion made sure I wasn't successful, and didn't accomplish anything today! Most of their security questionnaire was : always in reference or pertaining to outsiders, instead of me personally! I knows about my ; past history in terms of previous names, addresses, employment, and geographic locations! It shouldn't be required of me : to keep up with the XXXX 's, and others ( strangers, relatives, and or associates )! Let 's call Transunion conductivity today, for what really is ; a retaliation against me, for filing a grievance, in a form of complaint with CFPB! Must I go Deeper???
Product: Credit card or prepaid card

I have had immense hardship over the years due to the fact I was a poor XXXX XXXX and had no conception of what credit was, and how important it is. As time went on my knowledge about how credit works has grown tremendously and my credit score is affecting my ability to get access to capital needed to fund a business, or buy a home. I have reached out to Capital One about my late payments on the dates of : XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 And explained to them my hardship in an attempt to get the payments forgiven for the months of the hardship. I had family in the hospital and I simultaneously had to go myself. It was a dark time and I have grown and achieved more stability and I believe payments from 2 years ago shouldn't still affect my credit. I commend Capital One for removing the other payments. But I want them to remove the rest of the late payments so I could then qualify for more credit with them and continue to do good business. I want them to grow with me, and aid me in my growth. If they removed these late payments it will help me tremendously. I have paid the card down to 30 % utilization and it will soon be down to 2 %. In less than 30 days my credit has gone from XXXX to XXXX, which is indication of how serious I am about improving my credit score. 

I really hope Capital One removes my late payment history simply due to the fact it'll never happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a payment plan setup with the loan company which is XXXX XXXX XXXX bank, XXXX XXXX XXXX never notified the right department. Because of their error, my credit now is severely being affected. XXXX XXXX XXXX told me that they were going to fix it, yet they never fixed it. The late payments are still there on my credit reports!
Product: Mortgage

I am writing to formally file a complaint against Freedom Mortgage regarding my recent experience while seeking assistance with my mortgage payments due to job loss. 

Earlier this year, I lost my job and reached out to Freedom Mortgage in XX/XX/year> to request a forbearance plan due to my financial hardship. While awaiting their response, I made my XXXX payment in good faith. Upon following up on my Loss Mitigation application, I was informed that my application had become inactive because I made that XXXX payment. I was advised that, in order to qualify for a forbearance plan, my account needed to be delinquent. 

Following this guidance, I refrained from making my XXXX payment. A representative from Freedom Mortgage even joined a three-way call with my bank to dispute the XXXX payment, as I was anticipating an approval for the forbearance plan. I was told that I would receive a decision regarding my application in the first week of XXXX ; however, that did not occur. I kept the XXXX and XXXX payments saved in my account while awaiting their response. 

In XXXX, I finally received a decision letter approving a forbearance plan for XXXX months, effective XX/XX/year>. On XX/XX/XXXX, I made payments for XXXX, XXXX, and XXXX, and subsequently rejected the forbearance plan. I felt deceived, as I was led to believe that my only option was to allow my account to become delinquent in order to qualify for assistance. 

Due to this unethical guidance, my credit score took a significant hit. I reached out to Freedom Mortgage requesting that they reverse the late payments reported to the credit bureaus, but I have not received a satisfactory response. 

This experience has caused me considerable stress and confusion, and I believe it reflects poorly on Freedom Mortgage 's handling of my situation. I respectfully request your assistance in addressing this matter and ensuring that Freedom Mortgage is held accountable for their practices.
Product: Credit reporting

Transunion sent the paper report ( attached ) in response to CFPB case # XXXX regarding XXXX XXXX # XXXXIn their CFPB response, Transunion says the date of first delinquency is " reporting '' as XX/XX/XXXX.THEIR report is attatched and it is NOT REPORTING at all.In addition the payment received was {$26.00} not XXXX as they are reporting. 
the last payment made was XXXX/XXXX/XXXX which is not reporting. The payment table does not accurately correspond with the XXXX/XXXX/XXXX date of first delinquency.Basic math in relation to the non-appearing date of first delinquency dictates that the payment table is erroneous. 
TRANSUNION IS NOT FAIRLY AND ACCURATELY PORTRAYING MY CREDIT according to FCRA. ALSO THE HIGH BALANCE AND ORIGINAL CHARGE-OFF AMOUNTS ARE FRAUDULENTLY EXCESSIVE BY HUNDRED 'S OF DOLLARS BECAUSE THE CREDITOR VIOLATED THE RULES OF THE FULLY-IMPLEMENTED XX/XX/XXXX CREDIT CARD ACT IN CHARGING LEGALLY EXCESSIVE PENALTY FEES AND INTEREST.TO SUPPORT THIS, XXXX, THE DEBT BUYER STOPPED COLLECTION AND DELETED CREDIT REPORTING AFTER THEIR INVESTIGATION about a year ago.WHEN XXXX BOUGHT THE DEBT IT WAS " PAID IN FULL ''.
Product: Credit reporting

When I called Social Security to secure an online account with them, they told me my information did not match what Experian had reported so I could not have an account. When I received my credit report from Experian, I found no problem. When I called Experian they said it was because my information had been merged previously with another creditor and when that happens Social Security will not give me an account unless I spend XXXX hours going to the Social Security office. 

It is ridiculous that I should spend XXXX hours ( 1 hour each way and XXXX hours waiting to get an appointment ) in order to straighten out a mistake the credit bureau made. Could you please look into this? Other people surely have the same problem because the credit bureaus are so fouled up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Credit card or prepaid card

I opened a account with Brandsmart  in XXXX XXXX XXXX Florida. I took advantage of their promotional offer to buy a refrigerator. They approved me for {$1100.00}. I bought the refrigerator and some items to install it. I have been paying more than the minimum payment and have never been late or missed a payment. I have had identity theft in the past so I keep my credit locked and monitored. Brandsmart offers their credit through synchrony bank which we know services many retail stores. When I was making my payment for this month I noticed my available credit was reduced. I check to see if I was charged in error for possibly fees or interest or maybe someone used my account without my knowledge. I found that they reduced my available credit due to what they say was a review of my credit and outstanding revolving debt. The only debt they would be able to see is what Synchrony services because my files are locked. I have both Sams Club credit and Brandsmart with Synchrony. Those cards carry higher balance due to Brandsmart offering promotional rates to payoff appliances and Sams Club is a food club. Im constantly using and paying for my house hold. They never notified me before hand and gave me the opportunity to pay off the balance before they made the changes that will drastically negatively impact my credit score and worthiness by no fault of my own. I have kept my end of the terms and agreements and they have not. Im outraged and financially impacted. They have affected my ability to negotiate other credit relationships terms and conditions and be eligible for lower rates Accross the board.
Product: Credit reporting

On my Transunion Credit Report, XXXX XXXX ( Acct # XXXX ) which was open in XX/XX/XXXX is currently reflected as ( Open-Derogatory ) and not reporting since XX/XX/XXXX. 

The correct status should be reflected as ( Account is Closed, Included in Bankruptcy ) as of XX/XX/XXXX.
Product: Credit card or prepaid card

Credit card adverting rewards says " Get up to {$25.00} back as statement credits on inflight Wi-Fi purchases '' which suggests it's {$25.00} per flight, which is about how much it costs for most flights. The terms though say it's {$25.00} a year, which barely covers XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Student loan

I have numerous complaints about my loan servicing company, Navient, and was only allowed to select one issue on the previous page. I can enumerate all of the issues below : Initially, I have always been a public servant when repaying my student loans, and have always attempted to be qualified for the public service loan forgiveness program.

1. I was given completely incorrect information regarding payment plans, payment amounts, and was not provided the right information regarding the lowest payment possible. For the first several years ( XXXX ) I was not making the lowest payment possible. I found out many years later that I could have qualified for payments under {$100.00} a month, but was paying 2 or 3 times that amount at any point.

2. I took out a mortgage on my home to pay down my balances. I made it VERY clear that I wanted the payment to go towards the principal balance. Yet, Navient ( around XX/XX/XXXX ) repeatedly applied the balance to future payments. For nearly 3 months I repeatedly called Navient to have them apply the balance to the principal. I am still unsure if they charged me interest on the larger principal balance during that time. 

3. I was told in XXXX or XXXX of XXXX and again in XX/XX/XXXX that I did not have to certify my student loans for PSLF until I had made 120 payments, and that Navient was keeping track of those payments. However, I recently found that many of my coworkers certify their employment on an annual basis, and that their loans are held by XXXX XXXX XXXX. I attempted, once a month, for the last 18 months ( XX/XX/XXXX to present day ) to get information from Navient regarding any PSLF certification paperwork. They REPEATEDLY told me they would send me information via email or mail, and I would never receive this paperwork. Finally, I went online and did a search on my own. I have attempted to get documentation regarding my numerous phone calls and was told they do not email others. Further, I was told that they do not keep any log of calls made by borrowers.
Product: Money transfer, virtual currency, or money service

I sold my house on XX/XX/23 and received two checks for the purchase. I picked up the checks on XX/XX/23 and deposited the checks in my checking account at Chase Bank where I have been a customer for over 40 years. When asked how soon we would have access to the funds, we were told it would take until XX/XX/23. This did not make sense given that one check was a cashiers check from a local ( XXXX, NY ) credit union and the other check was drawn on the buyers attorneys account from another local bank. I have followed up with my branch ( Chase in XXXX, NY ) in person and by phone ( who has tried to be helpful by requesting that the hold be lifted by whichever department puts a hold on checks ) to no avail. I also called the Chase XXXX number to request directly - I was initially told no and then asked to hold while the person said she would check on it ( she put me on hold and never came back to the line ). 

So, why cant I get access to my money and who has use of my funds? I have a mortgage on my new property and am responsible for {$70.00} per day in interest charges to pay off my loan. I am told it is to protect against fraud. Exactly how many days should this process take? Why can Chase move huge amounts for someone like XXXX XXXX but not give a XXXX XXXX access to the funds from a local house sale? Something is not right when no one can tell you who has use of that money for this amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed my Bankruptcy on XX/XX/2022. So I called several companies to notify them, including XXXX XXXX, with which I was current on payments. Then, for no reason, XXXX closed my account, cut off my service, and illegally entered my checking account, to withdraw money to pay for XXXX months of service. 
As far as I know, while a person is in the middle of a bankruptcy case no company is allowed to contact customers under that case, however, they sent me bills every month during the XXXX months that the case lasted. 
When I complained to the Bankruptcy XXXX, he called XXXX 's attention because they had acted illegally against the Bankruptcy laws, first by sending me monthly bills and then taking money from my account without authorization. 
But then XXXX sold my information to the collection company XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX, phone XXXX. They sent me a bill asking for the payment of the balance of {$100.00}. 
So I called XXXX on XX/XX/2022 ; I spoke with the agents XXXX and XXXX to whom I explained the case that I was protected under the Bankruptcy law of the state of XXXX. So they told me they were going to investigate. 
After that date, they never called me again or sent any notification, until I received a notification from XXXX XXXX indicating that XXXX reported the XXXX account as " Collection/Chargeoff '' on my credit. 
I immediately called XXXX and the same agent XXXX refused to listen to me, mocking my claim, and hung up on me.
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, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Negative Accounts and Unauthorized Hard Inquiries Under 15 U.S. Code 1681o Dear Consumer, Financial Protection Bureau, I am writing to dispute certain items on my credit report that I believe are inaccurate and/or unauthorized. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and specifically invoking 15 U.S. Code 1681o - Civil Liability for Noncompliance. The items in dispute include late payments, negative account entries and hard inquiries that do not accurately reflect my credit history or were made without my authorization. 
Under the FCRA, you are required to investigate and verify all disputed items within 30 days of receiving this letter. Should you be unable to verify these items as accurate, I request that they be removed from my credit report immediately. Please provide me with written confirmation of your findings, along with documentation supporting your investigation. 
Failure to comply with the FCRA, including the provisions outlined in 15 U.S. Code 1681o, may render your agency civilly liable for noncompliance. I expect your prompt attention to this matter and look forward to a resolution at your earliest convenience.