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

On XX/XX/, Chime Bank indicated to me without warning that my account was being closed. I have had several interactions with Chime, either blocking my card without notice or denying transactions for various reasons after completing and verifying the transaction. They have made the decision to close my account. 

The account will be closed on XX/XX/. The bank also states that I need to submit the origin of funds and identification. Chime received the driver 's license on XX/XX/. They also received the secondary form of identification on XX/XX/. The representative states that she can not see the balance in the account. 

XX/XX/, is when the account was closed, as stated by the representative, XXXX. {$770.00} is the balance in the account, and I am expecting this amount to be returned to me. I want this amount of money to be returned to me and this account to be closed. I do not want anything else from this bank, and I will never do business with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Debt collection

I contacted my Health Insurance Policy Customer Service Department at my PRIMARY Policy MEDICARE Part A & B. And, also my SECONDARY Medicare Secondary Policy Customer Service Department XXXX XXXX XXXX XXXX XXXX ( XXXX ) for Information about Claim to pay {$320.00} for XXXX Test done on XX/XX/XXXX at XXXX NC in XXXX, NC. Their following statements follow for ( 1 ) Medicare Part A & B and ( 2 ) XXXX 
( 1 ) MEDICARE Part A & B - No Claims were filed by XXXX NC between XX/XX/XXXX thru XX/XX/XXXX for {$320.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - submitted a Claim on XX/XX/XXXX for XXXX Test performed on XX/XX/XXXX for {$320.00}. 
- The Claim was DENIED on XX/XX/XXXX due to not being filed by " Primary Policy - MEDICARE Part A & B ( Primary Policy ) before being sent by XXXX as the Secondary Supplemental Policy for claim. 

Their Instructions were to have XXXX re-submit the Claim for {$320.00} properly to MEDICARE PART A & B to pay the {$320.00} to correct the mistake made by them by incorrectly submitting the Claim to XXXX instead of MEDICARE Part A & B.
Product: Debt collection

XXXX XXXX XXXX has badgered my client about a debt was that incurred over 8 years ago and that was paid and that has been barred by the statute of limitations for over four yearsXXXX
Product: Mortgage

I applied to Quicken Loans for a HARP LOAN. 
The self assertive " Loan Expert '' kept insisting I was not eligible for this loan. 
I explained that I was already " Approved '' for this loan. I mentioned XXXX Bank and was looking for a lower rate. She assured me this was not possible and perhaps these " other loan officers '' were not " honest ''. " She was an Expert '' and knew about eligibility, however, if I sent the paperwork over to her she would be good enough to " review '' their info and inform me of the error. 

It was a good thing I did NOT go along with her " Expert Opinion ''. 
I got a HARP loan for the house XXXX. 
( NOTE : 2 banks approved this loan!!!!. ) It closed in a little over four weeks at an interest rate that was much better than the former rate. 

I wonder how many thousands of people Quicken Loans and XXXX, phone # XXXX XXXX XXXX ( The Expert ) have turned away from this valuable Federal program. 

It is a shame that these people are turning consumers away from this program claiming to be " EXPERTS '' in the field and literally telling people that their data is incorrect and they do NOT qualify for a program when they know darn well they do. 

The " EXPERTS '' what would we do without them???? 
Please look into this. 
I will be reporting it to other agencies. This must be a violation of Federal Law. 
XXXX XXXX
Product: Debt collection

Date of deliquency was XXXX XXXX, 2006, it has now been over 8 1/2 years and I should not be held to pay this and should be taken off my credit as a debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts on my credit report because they're inaccurate. I found out they were inaccurate when I ran my credit report for a refinance on a home and these accounts and inquiries appeared on my report. I sent out a letter through the mail on ( XX/XX/2022 ) and its been sixty days!! since I've received a response. I sent out another mail ( XX/XX/2022 ) certified and I still haven't received a response. The credit bureaus are in direct violation of the fair credit reporting act. I would like these unauthorized accounts and inquires removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2700.00}.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request an update to my credit report regarding two accounts that have been paid in full. According to the creditor 's policy and in accordance with 26 CFR 1.6050P-1, these accounts should reflect a balance of {$0.00}. 

Below are the details of the accounts in question : Account Holder : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  Original Amount : {$46000.00} Account Number : [ Your Account Number ] Date Paid in Full : [ Date of Payment ] Account Holder : [ Your Name ] Creditor : XXXX XXXXXXXX Bank Original Amount : {$1000.00} Attached to this letter is a copy of the filed 1099-C, which confirms that these accounts have been paid in full. 

I kindly request that you update my credit report accordingly to reflect the accurate status of these accounts as paid in full with a balance of {$0.00}. Your prompt attention to this matter is greatly appreciated. 


Thank you for your cooperation and prompt action regarding this matter. 

Sincerely, XXXX
Product: Student loan

I am an XXXX XXXX military who applied for a limited PSLF waiver in XXXX of XXXX. Mohela received my application and claimed there was a duplicate form on XX/XX/XXXX. They said it will be another 90 days to process. On XX/XX/XXXX, it was again " Canceled '' for no apparent reasons. I called Mohela multiple times including VIP Military Line and they weren't sure why my application was kept cancelling and assured me that it will be process in next 15-20 business days. This was on XX/XX/XXXX It is now XX/XX/XXXX, I am extremely disappointed by the lack of transparency from Mohela. They still have not resolved my issue nor transfer my loan from XXXX to start PSLF count.
Product: Mortgage

My mother passed away 9 months prior, and I have been paying and dealing with her mortgage and small estate since. The house was sold as of XX/XX/XXXX no thanks to BoA who nearly ruined closing being unable to provide us with a payoff letter until my brother found an automated system which apparently none of the reps in the Mortgage department knew about. 

The problem now is the remaining balance in the mortgage 's property tax escrow account. I have been attempting to deal with BoA for over a month. They insisted on sending a check to the address of the house that was sold against my instructions. The check was unfortunately not forwarded by USPS and was lost. In the meantime I send them every document they asked for losing them on 2 occasions. I sent them a death certificate and a properly filled out and notarized Illinois Small Estate Affidavit. They refuse to reissue the check and send it to my new address. I have called their mortgage department twice. I spent 30 minutes with a rep who first told me flat out that they will not accept the small estate affidavit. She then started giving me incorrect legal instructions to have it filed with the county which I immediately called her on. She then told me she would escalate the issue. 

I then faxed them a copy of the Illinois statute with the relevant portions underlined. Illinois statute requires them to accept a properly filled out and notarized small estate affidavit. Bank of America 's  own website says they accept small estate affidavits in compliance with state laws. I have not heard from their escalation department in the agreed upon 48 hour timeline.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX ( NFCU ) for an account that was included in my XXXX XXXX bankruptcy case, which was discharged on XX/XX/XXXX, in the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX ( Case Number : XXXX ). Despite the account being included in the bankruptcy and the debt discharged, XXXX has reported the following inaccuracies on my credit file : Late Payment Reporting : XXXX has reported late payments for XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 30 days late ). These entries are erroneous because any delinquencies occurring after the bankruptcy filing in XX/XX/XXXX are legally irrelevant and should not be reported under the automatic stay provisions of 11 U.S.C. 362 or the discharge injunction under 11 U.S.C. 524 ( a ). 

Incorrect Balance Reporting : As of XX/XX/XXXX, the account still reflects an outstanding balance of {$5400.00} and a past-due amount of {$110.00}. These amounts should have been zeroed out and updated to reflect " Included in Bankruptcy '' or " Discharged in Bankruptcy '' with a {$0.00} balance, as required by law. 

Actions Taken by Me : I sent a written dispute to NFCU on [ insert date ], requesting correction of the inaccurate information. 
I included supporting documentation such as the bankruptcy discharge order and creditor matrix to verify that the account was included in the bankruptcy. 
Despite my efforts, XXXX has not resolved the inaccuracies, and they remain on my credit report, adversely affecting my credit standing. 
Impact on Me : This inaccurate reporting has caused undue harm by misrepresenting my creditworthiness, potentially leading to higher interest rates, denied credit opportunities, and emotional distress. It also constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the discharge injunction under the Bankruptcy Code. 

Resolution Requested : Remove all late payment entries associated with this account, including XX/XX/XXXX and XX/XX/XXXX. 
Correct the account status to reflect " Discharged in Bankruptcy '' with a {$0.00} balance. 
Ensure no further inaccuracies are reported for this account. 
I appreciate your attention to this matter and look forward to a timely resolution.
Product: Checking or savings account

I want to transfer money from my Marcus online saving account to my XXXX  checking account. The transaction was freeze because they want to verify my other linked account ( not XXXX ). The questioned linked account is a very old account that has been closed many years ago. I requested to removed that linked account from my Marcus account. 
1st call, they can not verify my old, closed account. I asked to just remove that account.

2nd call, they when through some questions with me and said can not verify my information and their phone verification system is not working. 
They will not provide solution to resolve this issue and told to to wait so they can elevate further. 
It seems like they are creating problem and not letting consumer to withdraw money.
Product: Credit reporting or other personal consumer reports

Racial Discrimination & Bias in Defamatory, Negative, Inaccurate and Irrelevant reporting of personal information to credit reporting agencies without my expressed written consent nor permission. This is a violation of my right to privacy, as well as, a direct violation of The Fair Credit Reporting Act, and several statutes pertaining to consumer consent under 15 U.S. Congressional Code 1681.
Product: Debt or credit management

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) LVNV Funding, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit reporting, credit repair services, 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  Account # XXXX, Account name : XXXX  Account # XXXX, Account XXXX XXXX  XXXX Account # XXXX Account name : XXXX Account # XXXX Account XXXX : XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX  XXXX  Account # XXXX, have all 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 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: Checking or savings account

XXXX XXXX, My wife and I went to First Tech Fed. CU and signed forms to separate our joint accounts. I mentioned that my checking account was setup to pay my wifes credit card if she failed to pay and I wanted that to stop. I was assured by the person helping us that it would stop once the accounts were separate. My wifes credit card was issued by First Tech Fed CU. 
XX/XX/XXXX ( Approximately ), I called First Tech Fed CU to complain about money being drafted from my checking account with no description of who made the draft. I told them that I believed it was going to my estranged wifes credit card with First Tech Fed CU. The person said that it was to pay a credit card but claimed he wasnt able to know what company it was with because the company didnt provide First Tech Fed CU with that information. He assured me it would not happen again. 
XX/XX/XXXX, I called First Tech Fed CU to complain about money being drafted from my checking account with no description of who made the draft. I told them that I believed it was going to my estranged wifes credit card with First Tech Fed CU. I explained everything about what occurred in XX/XX/XXXX, and what occurred in XXXX ( see above ). She assured me that she would get answers and then never got back to me. I noticed several weeks latter that she had sent a message via the First Tech Fed CU message link located on their online banking page. She merely had responded as though it was an inquiry rather than a complaint and only said that it was a draft for a bank card. 
XXXX XXXX Went to First Tech Fed CU and met with XXXX XXXX, a banking associate who took my complaint in person and elevated it to somewhere in the banking system. Then I began to receive emails from XXXX XXXX that included a XXXX XXXX. I looked at the document and in the block that shows the company that made the draft, it only says bank card. Also, it wanted me to agree to pay {$25.00} per transaction other than the latest one. I responded directly to XXXX and made the demand that First Tech Fed CU reveal who took the money and also that I want my money back. I have included a copy of my emails with her. There were nine transactions that I complained about and she sent a XXXX email for each one. Once I responded to her with a demand to know who took the money and that I wanted my money back, she has began to resend the nine Docusign emails on a daily basis as though I had ignored her request and has not responded directly to me or via the online banking message page
Product: Checking or savings account

They have done it AGAIN!!! I will attach my statement. On XX/XX/19 I used a toll road, which cost {$2.00}. Afterwards, my balance was {$10.00}. THE VERY NEXT TRANSACTION WAS AN OVERDRAFT FEE FOR {$32.00}! ~!!!!! It was the overdraft fee which made my balance negative, NOT my toll fee. Also, on the day I originally complained, I TOLD the customer service rep to RESCIND the overdraft agreement, because she told me it was my fault for allowing overdrafts ; I said, and I have a copy of this : " STOP IT!!! '' TAKE THE OVERDRAFT FEATURE OFF! '' She replied, ok. 
The way this banks does things, I HAVE ZERO CONTROL OVER WHETHER OR NOT I Am charged an overdraft!!!! I am unable to manage this, based on the way this bank does business. THEY TRICK US!!!!!!!!! I have NO control and can not avoid these fees!!!! 
The way this bank does things, I have ZERO control over whether or not I expose myself to overdraft fees. I am not able to assess this, based on THEIR statements, as they make them available TO ME!!!!! 
When I made this payment, I got NO notice of overdraft. NOW, I am charged {$32.00}. If I could figure this out or manage it on my own, it MIGHT be fair, but even that is doubtful. The way they process transactions makes it IMPOSSIBLE for me to avoid their overdraft fees. Please, CFPB, READ THIS!!!!!! The bank will not tell the truth!!!!
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 Account NumbeXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit bureaus ( XXXX, XXXX, and Experian ) over a charge off that is on my account. All three credit bureaus are reporting late payment and charge offs in different months. I have sent proof about how they are all reporting different information with copies of my credit reports. I continue to get letters back that the information is verified from each of them even though they are all claiming a charge off in different dates. The accounts also show the account as closed different months of that year which I also provided proof. I have sent Dispute letters two different times XX/XX/XXXX online and XX/XX/XXXX through mail. I would like for this to be looked at as its hurting my credit score and it is against my rights to have inaccurate information in my credit profile. The information should be accurate across all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I have asked CFPB to investigate EQUIFAX for their negligence. This company has repeatedly reporting negative accounts to my credit report. They have lied like they have verified that's a lie. I haven't til this day received any supporting documents bearing my signature. Only a letter saying this debt is not XXXX XXXX its with a debt collector. Also XXXX XXXX has been added back after I've shown I'm a victim to identify theft and submitted documentation. This has caused me to be denied due to inaccurate information because EQUIFAX refuses to do their job. EQUIFAX have validated my rights on several grounds because they have lied as if they verified a account and they didn't and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. ACCORDING TO LETTER. THAT MEAN THIS DEBT WAS SOLD AND I NEVER RECEIVED A 1009-C FROM A COMPANY. Also, according to the IRS A lender that cancels or forgives a debt of {$600.00} or more must send Form 1099-C to the IRS and the borrower. When requesting information on this account I have NOT received a 1099 C from the creditor or a contract bearing my signature. This account is being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. I have also submitted FTC REPORTS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX  credit card and it was denied saying past or current delinquent account. I looked at my equifax credit Report and I didnt see any delinquency or public record and they telling me equifax provided it. I am confused because thats not the case I have no delinquency.