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

Chase bank notified me by letter that they would close my checking account on the XX/XX/2024 I was told to transfer money out prior to this date and set up a bank elsewhere. 

I have been in the process of doing so. 
However chase closed my bank access and restricted my funds 7 days prior to what the letter stated. I was in the process of transferring funds day by day to my new account as chase told me to do. 

I have been into the branch twice to try collect my money as I have no access and have been told it is restricted. 

This has caused my rent to go unpaid and late fees have been charged. ( paid rent through chase on the XXXX- they closed my account and didn't let this payment process ) I have no access to my funds which pay rent etc and am considerably stressed by this. 

There is over XXXX in my account prior to them restricting my access.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, On XX/XX/2022 I submitted a complaint thru the CFPB portal regarding an incorrect item on my Equifax credit report. This item is a XXXX XXXX (? ) Bankruptcy that I cordially asked to be investigated and removed. I also asked for their method of investigation along with supporting documents of this investigation as proof. 
On XXXX, Equifax reported back with quote " In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : A NON DISCHARGED, OPEN OR DISMISSED XXXX  XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR XXXX YEARS FROM THE FILING. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. '' There are multiple reasons I am rebutting this conclusion... 
XXXX ) I asked in the initial complaint how the investigation was handled, supporting proof of documents from credit bureau or credit furnisher used for this conclusion, a response as soon as possible and for this incorrect item to be removed from my credit report. 
**in the response there is none of the above. 
XXXX ) I fail to believe they actually took the time to investigate this complaint due to the fact... The item I was disputing was in fact, a XXXX XXXX Bankruptcy yet in the response it quotes as " A NON DISCHARGED, OPEN OR DISMISSED XXXX  XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR XXXX YEARS FROM THE FILING. '' **This is in fact not a XXXX but XXXX that is showing as " correct '' on my report which EQUIFAX `` investigated ''. 
XXXX ) Finally, XXXX has no record of releasing any information to verify or dispute my claims since XX/XX/2022. 

I would like this item removed from my report and a correct report generated showing as deleted or just gone. 
This should not be a long investigation being as though Equifax only needs to show a document trail of the investigation and where the misguided information came from. 

Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed errors, fraudulent activity and names. 
XXXX XXXX XXXX - I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 


My correct my name is XXXX XXXX XXXX Please delete ALL fraudulent names - from my report My current address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Please remove outdated Employers XXXX XXXX   never worked there XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit card

I have an XXXX XXXX XXXX Synchrony credit card. I have been paying it every month around the same time. Apparently, sometimes the payment would end up in the same billing cycle and synchrony would send me a late fee for paying a few days early. Telling me that I was late when I was not. Making me call to have address the issue and having the fee removed. This has happened multiple times and when I called each rep provides different dates to apply my payment so this would not happen. Last month I called and this issue was told to pay at the end of the month. So that was what I prepared my lself to do until I received a call today saying I owe XXXX or XXXX some dollars for missing payments and a late fee. I asked the rep why and they told me it is because I was late. The payment was applied to the last month. Hence, I needed to pay for last, this month, and the late fee. I explained that was not fair and I needed that month to pay other bills. Then, they removed one month payment and decided I needed to pay the late fee because technical I was late. I dont believe I should pay a late fee for being early and that late fees should be for those you are actually behind on their bill not ahead. No other credit card I have does this only this one. And they believe they are following the credit card act of 2010 because they are using the billing cycle that I am not falling into when they cash my check for my payment. That is what the account manager told me today.
Product: Mortgage

Freedom Mortgage has fully taken advantage of me charging additional {$10.00} dollars a month extra this whole time since the I had them for my loan provider. In my state of Missouri, Freedom Mortgage should not be charging consumers extra {$10.00} dollars more making mortgage payments. I spoke to them many times about this situation, and they mentioned we are not charging you these amounts, but unfortunately I call Freedom Mortgage on XX/XX/2020 she mentioned we are charging you {$10.00} more and showing in there system. Also I show them my insurance has been lower and my payments are still the same as last year. They are taking their time to make any changes of lowering my mortgage payment. They receive new escrow analysis last year and they still got me paying the same amount.
Product: Money transfer, virtual currency, or money service

Good Day My name is XXXX XXXX, I was using a XXXX app ( XXXX, XXXX ) to sell my Korean music photocards, XXXX send me notification on XX/XX/year> that my account is limited and will be closed permanently and I wont be able to use the app. 
I never violated any rules or terms of condition. I never received any warnings about account closure. 
I sold my items and shipped them out to the buyers, the value of the items I sent is over {$150.00} Since my account is limited and pending closure I cant do anything, I cant transfer the money from my sales to my bank account, basically all the items I sent out for free! 
I tried to reach out XXXX several times and never got any response! 
Please help me with this matter this is so unfair I feel that my rights are violated I sold my items and I didnt get money from my sales, XXXX XXXX keeping my money Thank you
Product: Credit reporting

I have disputed the information about the bad marks on my XXXX XXXX credit card several times. I spoke with XXXX XXXX several times on the issue. They told me that the credit bureaus come to them and they have no control over the bad marks being removed. I have requested several times that they be removed from my Equifax credit report trying to give Equifax the chance to do the right thing. So I would file a dispute. Several times I would get an email saying there would be a dispute and I never filed one. Then I would come to find out they had canceled my original dispute. I have attached the following documents saying that they deleted the XXXX marks but it still remains on my Equifax report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I transferred my Citi XXXX XXXX Account in the amount of {$21000.00} into my XXXX XXXX Citi Bank Credit/Debit card to purchase a new car. I later was told that the car dealership would not accept payment by debit card, so I transferred the balance to my local checking account. I was told it would take 3-5 days.Five days later, I called to see why my money had not been transferred to my checking account ; I was told the refund hadn't been approved. On XX/XX/XXXX, a letter was drafted by Citi Bank saying it would be 10-14 days for my refund. I have called innumerable times, I have been hung up on, stonewalled ; I asked to speak with a supervisor twice and finally a supervisor on XX/XX/XXXX that he would move my request to the front of the queue and I should receive my refund by the end of XXXX. This experience has been frustrating, embarrassing, and an emotional drain on my old body. It should NEVER take this long to get my money back.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX has reported my account to the credit bureaus Experian and XXXX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. There are several inconsistencies in the reporting of this account, including payment dates, last active dates, and dates being reported. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX has also reported inconsistent and inaccurate information to Experian and XXXX regarding this account. Specifically, the date " Last Active '' is being reported as XX/XX/XXXX on Experian, and XX/XX/XXXX on XXXX. Additionally, Experian reports an " Last Payment '' date of XX/XX/XXXX, while XXXX reports a " Last Payment '' date of XX/XX/XXXX. XXXX has removed the account described, which further proves that XXXX XXXX Experian have not completed an accurate investigation into this matter. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Checking or savings account

i went to bank of america so deposit my check of XXXX the teller advice me not all the funds were going to be available but {$200.00} XXXX on the XXXX and the remaining balance on the XXXX i have the printed receipt of the stating the dates, i then check my on line account and verify the funds and seen that the my check was now on hold until the XXXX and now i check my account again and my funds are held until the XXXX of the month i called spoke to teller and supervisor and manager and a simple " sorry '' will not buy me groceries for my and my child never the less pay my rent or my car payment and other bills, i work hard for my money .... i also spoke to a manager from the branch were i originally open my account and she stated my checks will not be held, i trusted them now im completely in a hole with my bills because a teller gave me false information i was misguided by a bank of america teller and i have to pay the consequences of been served a 3 day notice to quit because i have not paid my rent i need help please help me this is not fair why is bank of america discriminating me misguiding me and giving me false information!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 a account without my written instructions
Product: Checking or savings account

Several times I. notified PNC bank that i dont want a debit overdraft coverage. and the bank used to charge me a debit overdraft fees,
Product: Credit reporting or other personal consumer reports

I have no connection to the listed inquiry, this is not mine.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX Also this PERSONAL INFORMATION DO NOT BELONG to me : Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to request an updated report on the current status of my ChexSystems. As I continue to monitor and enhance my financial processes, having the most recent information is essential for informed decision-making. Please provide me an updated report of my checksystem and send it in my email XXXX.
Product: Money transfer, virtual currency, or money service

Robinhood will not allow me access to my account. I submitted a selfie and a copy of my ID and they refuse to accept it. You can not call anyone at the company unless you do it through the app and you cant get into app until you get a cleared selfie. I feel like they dont want to release my funds.
Product: Credit reporting or other personal consumer reports

Credit Consumer Agency such XXXX, XXXX and Experian are Reporting false late payments. Ive never been late because I'm on a Forbearance program until XXXX XXXX. Ive notified All ( 3 ) Agency with a Letter of Proof of from The XXXX XXXX XXXX and which clearly Shows ive never been late and My first repayment begins XX/XX/year> Ive had to send a copy of the Letter to All 3 Agencies with Proof of Non late payment as was shown on my Reports. Please address this Inaccurate with a complete of investigation and please report the Accuracy which ive never been late. Thank you
Product: Credit card or prepaid card

I called customer service @ XXXX as instructed on my statement on XX/XX/2022 at approximately XXXX XXXX XXXXXXXX standard time my first encounter was with XXXX, I attempted to explain to her that I received a {$92.00} refund from my credit card account ( Citi XXXX Preferred ) and tried to explain to her that I did not request the refund but had spoke to a customer service rep after I had paid my balance off and instructed them to place the credit in a Citi savings account that I opened for this credit. What I received in the mail was a Citi debit card which I assumed now had the {$92.00} in it. What I now have is a check sent to me from the credit card and a {$92.00} charge on my credit card. My question was pretty simple ; if you are sending me a refund directly why would I have a {$92.00} charge now on my account? If the money was not transferred to the savings my account should be at a {$0.00} balance. 

The customer service rep ( XXXX ) wanted to talk over me and not hear the question before answering and then she hung up on me. I called back and got another customer service rep and I requested to speak to a supervisor at which point she too hung up the phone. I called back a 3rd time and asked to speak with a XXXX and again my phone call was dismissed. 

Is this the way the corporation does business? I am going to send a copy of this complaint to the CFPB and hopefully they will begin to look into the business practices and treatment of senior citizens as customers who believe we would get the customer service we pay for with the fees the bank charges. 

I sincerely hope you will look into this matter and train their customer service reps on listening skills. 

Dissatisfied customer, XXXX XXXX
Product: Debt collection

I dispute a XXXX XXXX item on my TransUnion credit report on XX/XX/2018. And on XX/XX/2018 they said it was verified. ( It's No way if TransUnion did a proper investigation it could be verified that fast ). On XX/XX/2018 I contact TransUnion and spoke to the manager name XXXX XXXX at XXXX about my dispute in my dispute letter ( it's states I haven't received any documents with my signature on it ) so I ask XXXX did they have any contract with my signature on it and she said NO!!! This is a violation of the Fair Credit Act and my Rights. If TransUnion don't have a written contract with my signature HOW ARE THEY VERIFYING THIS ITEM???????? Why is it on my Credit Report???? And ask TransUnion to Verify all None account holding inquiries they are Not mine I contact All of the companies and they Never respond to me.
Product: Checking or savings account

please refer to my previous complaint number XXXX and the blatant LIES by Sofi in their response. I have also attached emails proving that i reported this a s fraud as well as well as email directly to the president of sofi. On XX/XX/XXXX i had an a conversation with sofi and i eventually spoke with XXXX XXXX, an account manager in their delaware office, who assured me a fraud investigation was being opened. He would not give his last name. I have also attached a partial list of my phone calls to sofi in te file marked sofi proofs. Would anyone believe that i spent HOURS on the phone with sofi and NOT reported fraud?
Product: Credit reporting

I sent a letter to Trans Union letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Trans Union refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Trans Union provided no physical evidence to why they wo n't remove it, according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting an inquiry deletion off my Equifax credit report by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, Indiana XXXX. I submitted a dispute via telephone at XXXX on XX/XX/2018 due to an unauthorized inquiry by this company and an agent by Equifax stated that they could not remove the inquiry but the company itself had to submit documentation requesting the inquiry removal off my credit report even if it was not authorized. I contacted the company XXXX XXXX at XXXX XX/XX/2018 and they said that they could not submit anything to Equifax to remove the unauthorized inquiry and its solely up to Equifax discretion. I called Equifax right back and told them what was told to me and an agent said they would investigate the issue during the dispute process however, a few days later I received a letter stating by Equifax that the dispute has been investigated and they could not remove the unauthorized inquiry and indeed XXXX XXXX will have to. Both companys refuse to do anything about this issue and stating its up to the other one to remove the unauthorized inquiry. I told Equifax via telephone XX/XX/2018 at XXXX there should not have been this unauthorized inquiry allowed seeing as though I placed a freeze and fraud alert on my credit report on XX/XX/2018 which was processed a month and a half PRIOR to this inquiry due to identity theft. Please Help!!