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

Subject : Urgent Assistance Needed : Unauthorized ACH Transfer Intended for Personal Use Dear Consumer Financial Protection Bureau ( CFPB ), I trust this message finds you well. I am urgently reaching out to request your assistance in addressing a critical matter concerning my business banking account, XXXX XXXX, held with JPMorgan Chase. 

Account Closure and ACH Transfer Rejection : On XX/XX/XXXX, my business account was officially closed and charged off. Regrettably, on XX/XX/XXXX, an unauthorized ACH transfer was initiated, inadvertently directed to the closed account. Upon discovering this, I promptly visited a local JPMorgan Chase branch on XX/XX/XXXX, where it was confirmed that the ACH transfer had been rejected on XX/XX/XXXX. 

Unlawful Application of Funds to Business Account : To my dismay, on XX/XX/XXXX, I learned from Supervisor XXXX ( ID number XXXX ) that JPMorgan Chase applied a partial sum of {$5200.00} to the closed account on XX/XX/XXXX. The attached documents dated XX/XX/XXXX highlight my visit to the Chase branch. This raises significant concerns, as the ACH transfer was intended exclusively for personal use and not for business affairs. 

Contravention of Business Banking Account Agreement : It is crucial to underscore that the application of the ACH transfer to my business account without explicit authorization goes against the terms outlined in our business banking account agreement with JPMorgan Chase. This unauthorized action necessitates immediate attention and corrective measures. 

Supporting Documentation : Attached are documents providing evidence of the unauthorized ACH transfer and subsequent application to the closed business account. These proofs underscore the urgency and severity of the situation. 

In light of these circumstances, I earnestly seek your prompt intervention to investigate this matter. Your support in facilitating communication with JPMorgan Chase is crucial to swiftly rectify this unauthorized application of funds and to ensure adherence to the terms stipulated in our business banking account agreement. 

Thank you for your prompt attention to this matter. I trust that, with your assistance, a swift and fair resolution can be achieved. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Business Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows two accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " Barclays Bank Delaware ( Closed ), '' which was opened XX/XX/XXXX.
Product: Checking or savings account

My Dad XXXX XXXX XXXX XXXX passed away on XXXX XXXX and I have been given Emergency Temporary Guardianship of my mom XXXX XXXX XXXX because she has XXXX since XXXX XXXX which I work to get full time Guardianship of her. I called back on XXXX at which time I report death to them and I went into a local Bank Of America as they requested to give them copies of dads death Certificate and the Certified Appointed and Letters from the court given me the right to manage the accounts my mom as sole owner including the balances of all accounts. So when I went into the Bank of America on XX/XX/2023 all they did was make copies of the documents they want from me and said someone would call me back which nobody did. 

So on either XX/XX/XXXX or XXXX I called the estate line giving them the case number XXXX. At first the person said they could give me a verbal account balance of each account, but then they changed their mind and said I had to fax request to ( XXXX ) XXXX or send request in mail. So I faxed the request to them on XX/XX/2023 at XXXX requesting the balances of all my fathers account to be emailed per the court order to my email address : XXXX. I have yet to receive this request and even when I called back on XX/XX/XXXX or XXXX they indicated no one has even looked at the documents I had giving the Bank. 

I was at XXXX XXXX on XXXX XXXX I was able to close out accounts same day and set up Guardianship account and start using right away with no delay. 

But yet Bank Of America is stonewalling on the request info that their lawyers could have reviewed and let me at least know the balances as I am required to provide this info to the court. 

Sincerely, XXXX XXXX
Product: Debt collection

I have been paying my mortgage through online bill pay every single month for over two years on the XXXX of the month. On top of that I am over paying, the amount due is {$1100.00} and I am paying {$1200.00} every month. I used to be paying so that my payment was received by XXXX Bank in full on the XXXX of every month but their computer system processed that as an extra payment towards my principal and then charged me a late fee the following month, which is why I started paying in full on the XXXX of every month. 

Tonight, XX/XX/XXXX, at XXXX PM I received a robocall from Flagstar Bank telling me that they had an important message for me about my mortgage and to hold on the line. I stayed on hold for over 15 minutes before their customer service rep got on the phone and told me that she was a debt collector attempting to collect a debt. I asked her what month 's payment I had missed and she told me that the only payment that I was " late '' on was the payment that is due yesterday, and which I legally have until the XXXX to pay. 

I told her to look at my account and my payment history of over paying on my mortgage every single month and asked why I am getting harassed and why my time is being wasted by Flagstar Bank. She told me that it's just a courtesy call and she reviewed my account and saw that, as I told her, I'm over paying on my mortgage by an automatic online bill pay every single month. 

I told her that I don't want these harassing phone calls from Flagstar bank unless I'm actually late and that I am upset about being called and told that I'm late when I'm not late and I'm over paying on time every single month. 

Attached is my mortgage statement and payment history with Flagstar bank which documents that I am over paying every month and I am not late and I shouldn't have gotten that harassing phone call from their robocaller.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. Fraudulent accounts have been reported on my credit file without my authorization. In accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit report immediately : Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding late payments on my credit record. After reviewing my credit report, I discovered these late payments. Despite sending letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My installment account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$50000.00} that was opened on XX/XX/2019 is reported in the condition as derogatory by XXXX and XXXX XXXX reporting agency. Also in the comment section, the loan is reported as dismissed. When in fact this loan has been refinanced and " paid in full '' or paid as agreed. I contacted the lender and I have attached a letter from XXXX stating the loan is not being reported as derogatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to Equifax and XXXX  an outstanding balance in the amount of {$5300.00} as well as reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of the letter from XXXX dated XX/XX/2018 showing this account has been paid in full. I have also attached as additional proof that this account is paid in full, a copy of my title to the vehicle. This false reporting of a balance due and lates is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Dear ( Midland Credit Management ) I am writing in response to your recent communication regarding the alleged debt referenced in your ( letter ) dated ( XX/XX/2024, XX/XX/2024, and XX/XX/2024 ). I dispute the validity of this debt and request that you immediately cease all further communication with me regarding this matter, as authorized by 15 U. S. Code 1692c ( c ). Please provide validation of the debt, including the name of the original creditor, the amount owed, and any documentation that supports the validity of the debt, as required by the FDCPA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

My federal student loan servicer is Edfinancial Services. On XX/XX/2023 or XXXX  Days ago I made a payment on XXXX of my student loans, specifically, I paid {$1600.00} on loan XXXX or XXXX XXXX At this time Edfinancial Services transitioned from XXXX website to another website platform. The payment I made on XXXX XXXX or XXXX XXXX never posted on the new platform. To this day it still shows I owe that payment in addition to the interest its accrued. I have supplied screen shots of my bank statement where the money was removed from my account. I have also provided the confirmation number that Edfinancial Services gave me for the payment. This loan should have been paid off in full in XXXX. I continuously receive delinquency notices for a loan that I already paid off in full. I am not paying a XXXX more than i owe on these loans. Recently i found out that Edfinancial Services took that money and put it on XXXX XXXX. I never asked or consented for that money to be placed on XXXX XXXX. I literally call Edfinancial Services on a monthly basis and ask for an update all they can tell me is " be patient '' and " it will only take a few weeks to fix this ''. It has nearly been a full calendar year and this problem still has not been resolved, it has only gotten worse. With inaccurate accounting and payments going to random accounts, Edfinancial Services is a complete nightmare to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX XXXX XXXX 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. 
This account is a fraudulent account, I did not open any account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a company I have never seen or had any interactions with called XXXX XXXX XXXX I previously had a fraud alert on my credit report and currently have a identity theft form and documentation on file as well as a police report. I never had an account with this company or any companies attached to them and this is negatively affecting my credit. I also have a XXXX XXXX account which has been paid and has not been updated. Also a XXXX XXXX which was paid and I currently have an account with them with the same account number yet it is still reporting negatively. There is also an account named XXXX XXXX, XXXX  which I do not recognize and have never done any business with this company and never had an correspondence prior to this showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage is reporting I owe XXXX and XXXX from XXXX which I had filed Chapter XXXX Bankruptcy and was discharged XX/XX/XXXX. My ex has never refinanced and removed my name and won't. It looks like I am in dedt XXXX and I only am my own debt XXXX. My credit score has gone down 54 points. This was 10 years ago and all of the sudden it pops back up on my credit report, being reported by Shellpoint. I worked very hard to rebuild my credit. I was these 2 off my report. I have called Shellpoint and email and sent bankruptcy papers and no response from them.
Product: Payday loan, title loan, personal loan, or advance loan

This is a confusing situation. In XXXX of last year, we signed an Agreement with XXXX XXXX to have a solar system installed. It took several months to finally get the system installed. Upon inspection, it was determined the installation failed for various reasons. When we reached out to the company to find out what the next step was, we found out that XXXX had filed for bankruptcy. 

We had already been approved for a loan with Dividend Financial for just over {$27000.00}. What we didn't realize is that Dividend had been told by XXXX that the work had been completed, when in actuality, it had not been completed. Dividend has paid XXXX for the panels installed, but nothing more, at this time. 

We are stuck with a non-working solar system, but yet, are expected to pay back a loan for something that we can not even use. 

We would like someone to assist us in determining our legal rights in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I reviewed my credit reports with my credit monitoring website after paying {$29.00} for this option, I noticed there are multiple fraudulent accounts in my name on my credit reports with XXXX XXXX, XXXX  and Equifax. I reviewed the process on how to proceed with this situation in the Fair Credit Reporting Act, section 611 and typed a letter, signed it and completed an affidavit with the Federal Trade Commission as well as sending a copy of section 611 with these documents to XXXX XXXX XXXX and Equifax, having paid an additional {$27.00} in mailing fees for certifying this packet to the credit bureaus. I received notice that each credit bureau received my certified letters on XX/XX/19. I am aware it does take up to 30 days for the credit bureaus to review and/or investigate this dispute and will mail results within that time line. I paid on XX/XX/19 {$29.00} to my credit monitoring account to review all bureaus and noticed the disputed accounts have not been removed with any of the credit bureaus. I have not received any investigation results or notifications what so ever for this situation. It is not XX/XX/19 and I am filing a complaint with the Consumer Financial Protection Bureau to help me in this matter because I do not want to be left dealing with this situation for months and being mistreated by the credit bureaus as well.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding a violation of my credit reporting rights, which has resulted in inaccurate and misleading information being displayed on my consumer report. This issue pertains to the reporting of transactions on my credit report, specifically regarding the display of balances and payments. I believe this practice is in direct violation of relevant statutes, including 15 U.S.C codes and 16 CFR regulations.

According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), creditors have a legal obligation to provide accurate information to consumer reporting agencies. Furthermore, 15 U.S.C 1681b ( f ) specifies the permissible purposes for obtaining consumer reports, and any information provided must be accurate and verifiable.

Displaying the balance and payments on a consumer report constitutes reporting transactions, which falls under the purview of the Fair Credit Reporting Act ( FCRA ). As such, it must adhere to the guidelines outlined in relevant statutes and regulations. 16 CFR 660.4 states that when reporting an account to a consumer reporting agency, it must be reported accurately and reflect the consumer 's payment behavior. Specifically, it should be reported as " Paid as agreed '' when payments are made on time. 

Failure to report transactions accurately not only misrepresents my financial behavior but also violates my rights under the Privacy Act of 1974, which safeguards the confidentiality and accuracy of personal information held by federal agencies. By failing to report the status of my accounts as " Paid as agreed, '' the creditor is providing inaccurate information, which can have detrimental effects on my creditworthiness and financial standing. 

Therefore, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my consumer report. I also urge the bureau to ensure that creditors adhere to the provisions outlined in the FCRA and other relevant statutes to prevent similar violations in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Consumer Loan

santander consumers has placed false late payments on credit XXXX from XX/XX/XXXX after having a dispute with rep and continuous asking for good will removal of one true late payment XX/XX/XXXX due to illness after having a shouting match Santander XX/XX/XXXX XX/XX/XXXX added XXXX false late payments to my account and I would like them removed I have provided payment history to credit bureau for removal and still no removal I want this removed from my credit only true late payment would be XX/XX/XXXX when I had XXXX for XXXX and was off work. XX/XX/XXXX was a deferred payment approved by santander and they used that month as a late as well this is unlawful.
Product: Credit reporting or other personal consumer reports

I would like to talk about the difference between a hard pull inquiry and a soft check on your credit. So, imagine this youre looking into getting a mortgage and you just want a quick estimate of what your rates might look like. You specifically ask for a soft pull on your credit, which shouldnt affect your score. 

But then, the mortgage representative goes ahead and does a hard pull without your consent. This not only affects your credit score but also shows up as an inquiry on your report. Its frustrating and can be damaging to your overall credit health. 

It's Important to know your rights and make sure youre clear with any financial institution or representative about what type of check you want. A soft check is just a surface-level look at your credit, while a hard pull goes deeper and can impact your score. 

In my opinion, trust is key when it comes to dealing with financial matters. If someone doesnt respect your wishes for a simple estimate and goes ahead with a hard pull, its definitely a red flag. So, always be vigilant and make sure youre in control of your own financial information. 

When I confronted XXXX he continues to tell me that's just what he needs to do to protect himself and it only took my score down a couple points. If he was unable to give me a rough estimate without putting a hard inquiry on my report, he should have given that information upfront and I wouldn't have declined. 

The representative name was a senior loan originator with union home mortgage named XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. EQUIFAX has failed to provide XXXX, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.