23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My account was closed which is a violation of the ECOA. According to the Equal Credit Opportunity Act It is unlawful for a creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- because the applicant has in good faith exercised any right under this chapter. I exercised my right to dispute and ask CAPITAL ONE for validation of a debt owed and my account was closed as a result. CAPITAL ONE has made it impossible for me to use my consumer open end credit account since by failing to provide me with a replacement card. Also CAPITAL ONE did not provide to me pursuant to ECOA Regulation B ( 12 CFR 1002.9 ( a ) ( 2 ) a statement of SPECIFIC reasons for the adverse action taken; or a disclosure of the my right to a statement of specific reasons within 30 days, if the statement is requested within 60 days of the creditor 's notification. The disclosure suppose to include the name, address, and telephone number of the person or office from which the statement of reasons can be obtained. It was stated that my account was closed because of activity on the account or another account ( I only had one account with CAPTIAL ONE ) that isn't consistent with CAPTIAL ONE expectations of the account usage and violation of the CAPTIAL ONE consumer agreement. If I violated the agreement I was suppose to be provided with the proof of the violation ( s ) and specific reasons, not the vague statement I was given. I do not agree with any actions that CAPITAL ONE took against me.
Product: Mortgage

To who it may concerned, I was affected by XXXX XXXX and was struggling to pay my mortgage so I contacted the loss mitigation department. I was put in forbearance for three months with the option of loan modification or payment deferral. Based on my situation and uncertainty of things with the pandemic I choose payment deferral, which was approved. Its been approved for 1/2 a year now but no action has been filed on my loan. Its been over six months and Ive called the loss mitigation department numerous amount of times with hopes that this situation has been resolved. No one has returned my calls and Ive been giving different answers from each individual Ive spoke with. My case has also been escalated numerous amount of times and there has still been no progress on my loan as well as no communication from them besides me calling and checking on the status. During this waiting period I was affected by XXXX again, in which I called and asked to defer the entire balance in which I was told that was not possible and only the three months I was in Forbearance would be pushed back. As individuals we have no control over this pandemic that is still affect many people and families today. I would like for this to be took care of so I can continue paying my mortgage which Im no longer able to do because I have a balance and my online access to pay my mortgage is suspended. If someone could get back with me on the next steps to follow that would be great. 

Thank you
Product: Student loan

On XXXX XXXX, XXXX, I filed an Identity Theft Complaint with the XXXX Attorney General Office, XXXX, and my banking institutions as there was someone who had access to my XXXX credit card account to pay for monthly credit reports from XXXX from XXXX XXXX to XXXX XXXX. 
In addition, I received a letter from Navient on XXXX XXXX informing me of my rights as a borrower. I shared with the AGs Office that I believed someone would use the information from XXXX to apply for a student loan. 
I called Navient and had written to them of my concerns. On XXXX XXXX, I received a billing statement indicating that I owed {$320.00} unpaid principal from an old XXXX XXXX loan of XX/XX/XXXX. Navient is contending that the loan was an outstanding balance from an old student loan of XX/XX/XXXX. I informed the customer service representative that I had paid off that student loan in XXXX. I personally had called XXXX XXXX in XXXX and the customer representative approved the amount of {$20000.00}. The balance in XX/XX/XXXX was {$20000.00}. I then borrowed a personal loan from a local lending institution to consolidate my outstanding loans, one of which was this XXXX XXXX loan. In no way was this Navient loan mine. Navient disagreed. I then asked that if, in fact, it was my loan why was n't I contacted. Navient shared that the only address it had was an old email address. The former mailing address was no longer owned by me. I do not believe Navient was unable to contact me. The old mailing address was a post office box. The post office would have forwarded all my mail to my new address which is situated in the same building for 30 years. I am in fear that someone used my personal information to concoct this loan to pay off someone else loan. Navient has not responded to my concerns.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Credit Report XXXX XXXX XXXX Account XXXX Dear XXXX XXXX Department, I am writing to formally dispute inaccurate and misleading information reported on my credit file regarding an account with Midland Credit Management ( Account Number : XXXX ). 

Specific Inaccuracies Identified : XXXX. Incorrect Payment Status and Due Date : The account is listed as a collection account with a balance of {$XXXX} past due as of XX/XX/XXXX. 

This is incorrect because we are currently in XXXX, and it is impossible for the account to reflect a past-due balance in a future year. 

This suggests inaccurate data reporting, which should be corrected immediately. 

2. Discrepancy in Account Status and History : My credit report states the account was opened in XX/XX/XXXX, yet the payment history reflects late payments dating back earlier than when the account should have been active. 

This is inconsistent and raises concerns about how this account is being reported. 

XXXX. Account Disputed But Still Displaying Errors : My credit file already notes that the account information has been disputed by me, yet the inaccurate data remains unchanged. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that disputed information must be investigated and corrected. 

Requested Actions : Immediately correct the inaccurate due date issue ( XX/XX/XXXX past due ). 

Investigate and verify the legitimacy of the payment history timeline, ensuring no false late payments exist. 

Remove or update any incorrect notations regarding past-due balances that do not align with the accounts actual status. 

Provide a formal written response confirming these corrections or detailing the sources used to verify the reported data. 

I have attached supporting documentation related to this dispute. As per the Fair Credit Reporting Act ( FCRA ), I expect this matter to be investigated and resolved within 30 days. 

Please update my credit report accordingly and provide me with written confirmation once the necessary corrections have been made. If the disputed information is verified as accurate, I request a detailed explanation along with documentation supporting the findings. 

Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and keep me updated on the status. If you require further information, you may contact me at XXXX or XXXX Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX - {$250.00} sent to account as I was scammed that my account was in a holding position. I would like the {$250.00} returned to me by the banking institution.
Product: Checking or savings account

On or about XXXX XX/XX/2022, I sent secured email to Chase that close my checking account ending in XXXX with a reason " account not needed any more ''. But instead of closing the account, Chase charged me {$12.00} as " MONTHLY SERVICE FEE '' on XXXX XX/XX/2022.
Product: Credit card

I applied for a Citibank credit card in XXXX 2016 and paid the first bill. They say I asked for paperless billing, WHICH I DID NOT. They continued to send me e-bills and I ignored them as I thought they were spam. This month I tried to close the account and they said I owed them almost {$4000.00}. I finally was able to download all the bills and found there were {$3400.00} in purchases, {$210.00} in finance charges, and {$160.00} in late fees. I have called Citibank 4 times and was told a supervisor was not available but would call me back. I never got a call back.
Product: Money transfer, virtual currency, or money service

Hello, I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective messaging to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I am seeking the appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Take notice, I am writing to formally dispute the accuracy and completeness of the information contained in my credit report with Experian. I recently reviewed my credit report on IdentityIQ.com and noticed several fraudulent trade lines that have been reported by your company. These trade lines include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized these accounts, and I believe they are a result of identity theft. On XX/XX/year>, I sent a complaint to your company requesting evidence of your authority to report these accounts, as required by 15 U.S. Code 1681b ( a ) ( 1 ) ( 2 ). Your response verified these accounts, which I believe is incorrect and misleading.

Additionally, I have submitted evidence to the Consumer Financial Protection Bureau ( CFPB ) demonstrating inconsistencies in the dates of reporting and incorrect addresses and names associated with these accounts. Despite this evidence, Experian has not corrected the inaccuracies and continues to report these fraudulent trade lines.

I have sent multiple demand letters and invoices for payment for your violations of the Fair Credit Reporting Act ( FCRA ), but I have not received any monetary compensation for damages. Your continued reporting of these fraudulent trade lines has severely damaged my credit reputation, lowered my FICO scores, and caused severe humiliation, emotional distress, mental anguish, financial damages, and several denials of consumer credit.

I request that you conduct a reasonable reinvestigation of these disputed items and remove them from my credit report immediately. Additionally, I request that you provide me with written confirmation of the removal of these trade lines and any other steps taken to correct my credit report.

Please respond to this dispute within 30 days as required by the FCRA. If you fail to respond, I will consider this a refusal to reinvestigate and may take further legal action.

Furthermore, I am requesting {$10000.00} for the violations and mental stress caused by your actions. This amount should be paid within 14 days of this notice.

Additionally, consumers waste their time and resources submitting disputes that are not adequately reinvestigated and gathering and submitting documents that are given no consideration in the dispute process. At the conclusion of a reinvestigation, Experian sends consumers written results letters intended to fulfill its statutory obligation to report the results of the reinvestigation. However, these letters often fail to inform consumers of the reinvestigation results accurately and completely.

Moreover, I have taken this matter to small claims court, where Experian 's legal representative was present and lied under oath, claiming that the information on the report was valid and that they were allowed to report it. This further demonstrates Experian 's ongoing violations of the FCRA and their disregard for the rights of consumers.
Product: Credit card or prepaid card

someone opened up a charge card in my name at Target they purchased XXXX tv 's and sent XXXX to our previous address and an address in Florida Called Target to resolve however saw a charge on my credit report Returned the one tv i do not have or ever have had a charge card at Target
Product: Debt collection

this was back in 2020 and I paid my amount but not sure why NOW I get a letter form collector like if I still owe money
Product: Mortgage

We are in the process of purchasing a home from Dr Horton in XXXX TX. We were offered a 4.99 % interests rate and up to {$10000.00} paid towards our closing costs, if we went through there lender DHI Mortgage. After weeks of working with them they said we were qualified. A little over a week ago they wanted a letter of explanation for differences in XXXX 's from XXXX and XXXX taxes. That was sent, now it is because my company is not liquid enough. I have sent everything they have requested and we are still getting the run around. I spoke to our loan officer and requested to speak to her manager. She gave me his number and assured he would call me when he got out of meeting. I called him later and it goes straight to voicemail and he has not contacted me at all. 

We bought a vacation home this summer and was qualified and purchased the home and that Mortgage Company had all the same XXXX and XXXX information the DHI Mortgage has received. I Actually sold my primary residents to down size with this home in XXXX and all costs are going to be less, but yet we do not qualify with credit scores hovering around XXXX. We have not even received an executed contract signed by the seller. 

My home has sold and we close tomorrow and only have till the XXXX of XXXX to get out on lease back. I was told today that our applications was denied and agin no-one in management will talk to me directly to explain why. The loan XXXX has not given me a understandable explanation with facts. 

We think it may be to get out of 4.99 % interest and paying closing cost when they know we are tied in at this point.
Product: Credit card

I am filing this complaint due to an unresolved credit card dispute with Chase Bank regarding XXXX charges totaling {$1300.00} for preceptor placement services purchased through XXXX XXXX. I used my Chase credit card to pay the following amounts : {$810.00} on XX/XX/year> {$400.00} on XX/XX/year> {$150.00} on XX/XX/year> On XX/XX/XXXX, my educational institution rejected the preceptor provided by XXXX XXXX, making me ineligible to proceed with my studies. Due to this denial, XXXX XXXX failed to fulfill the service I paid for. As a result, I immediately contacted Chase to initiate a dispute for these charges, requesting a refund due to the companys inability to meet their stated obligation. 

Nature of the Dispute : Despite my prompt dispute submission, Chase has since refused my request for a refund. XXXX XXXX 's own policy states that if a preceptor is not approved by a school, they will assist with an appeal and, if unsuccessful, either replace the preceptor or provide a refund. The company did not offer an appeal process, nor did they provide a replacement preceptor. Instead, they suggested I use the same preceptor for a future class, which does not meet my immediate need. My attempts to resolve this issue with the company were unsuccessful, and they have outright refused to provide a refund, despite their failure to deliver the promised service. 

Attempts to Resolve with Chase : Chase initially accepted my dispute for investigation. However, they ultimately refused my refund, stating that the business offered a solution by allowing me to use the preceptor for a future course. This proposed solution does not satisfy the immediate purpose of my original transaction, which was to secure an approved preceptor to meet my current coursework requirements. Chases refusal to uphold my dispute has left me with no recourse despite the companys failure to provide the service for which I paid. 

Requested Resolution : I am seeking assistance from the CFPB to review Chase Banks handling of this dispute. Given that XXXX XXXX failed to provide the agreed-upon service, and Chase has refused my rightful refund, I respectfully request CFPBs intervention to facilitate the reimbursement of my disputed charges totaling {$1300.00}.
Product: Credit reporting or other personal consumer reports

n 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 USC1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate. 15 U.S.C 1681i-5- reinvestigate
Product: Mortgage

As instructed by the State i have contacted Carrington Mortgage Services in XXXX, XXXX about being impacted by the pandemic. Instead of helping, in XXXX i received a letter of intent to foreclose and report me late XXXX, XXXX, XXXX and XX/XX/XXXX. My unemployment did not take effect until XX/XX/XXXX. I used all the proceed to catch up on all payments. As of XXXX my account was current. I filed complaints to their advocates and the NYS XXXX. I sent proof of my phone log and my unemployment status. XX/XX/XXXX I received a mea culpa letter of forbearance effective retroactively XX/XX/XXXX, They admitted their error but refused to remove the negative entries as mandated by the State when you are impacted by the crisis. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, refuses to correct incorrect information on my credit report. My confirmation number has been compromised, and my Equifax Pin Number has been compromised, and I would like an Immediate Investigation, why that, " XXXX XXXX XXXX '' has not been removed off my Equifax Credit Report.!
Product: Credit reporting or other personal consumer reports

All three credit bureau have several collection reporting they were once removed now added back on XXXX XXXX XXXX XXXX funding collection credit bureau is update report stating verified with no proof of validation sent to that I requested its been more than 30 days I been asking for validation I been a victim of XXXX data breach recently from XXXX XXXX, XXXX XXXX, and XXXX I want proof my identity was stolen and I have no sign agreement with these collection agency
Product: Credit reporting

I am disturbed that Equifax continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax have no right to maintain information which the government has deemed nonexistent.
Product: Checking or savings account

Hello, I received a letter from Chase bank on XX/XX/XXXX where my account was opened in XXXX and I immediate started making direct deposits and use this account as back up savings for my life being. 

The letter from Chase states the following : " After careful consideration we decided to close your account because of your association with chase credit car deposit or investment account that was previously closed ''. 

I used to have credit card, checking account and business account. My credit card with them was since around XXXX and was closed along with everything else in around XXXX with no explanation and no branches nor customer service would give me a reason why.
Product: Credit reporting or other personal consumer reports

THIS IS MY 3RD TIME REACHING OUT TO TRANSUNION AND THERE ARE FEDERAL LAWS BEING BROKEN. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy.

You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2023 Amount : {$930.00} Company to provide refund : XXXX XXXX XXXX, MI XXXX XXXX Company to provide credit : XXXX XXXX XXXX Problem : Due to overcharge XXXX XXXX XXXX XXXX tried to pay me back {$930.00} as a credit to the original form of payment, which was my HSA ( Health Savings Account ) through " XXXX XXXX XXXX 
XXXX XXXX  claims they never received the funds from XXXXXXXX XXXX, making the amount disappear. XXXX XXXX claims their transaction was successful on their side ( and do not see any failure or a credit to them later ). 
Prior to the above ( around XXXX ), I had requested for my HSA funds rollover to a new HSA custodian- '' Benefits Wallet '' ( the new HSA custodian for my employer ). The day the transaction happened, XX/XX/XXXX, XXXX XXXX  closed my account with the rollover to Benefits Wallet. 
I did notice a " pending transaction '' in my XXXXXXXX XXXXk HSA account for XX/XX/XXXX, but it disappeared later. That suggests to me that the transaction was attempted with XXXX XXXX 
I have contacted both XXXX XXXX XXXX XXXX XXXX numerous times, but the situation has not changed. The amount, supposed to be given to me, has disappeared. 

Appreciate the support and response
Product: Credit card

I am XXXX and I tried to get my first apartment I got denied because of my credit and credit report but I had no knowledge of these things