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

we are a franchise restaurant business group, some one broke my lock box of my truck between XX/XX/XXXX then he stole a way all of my checks and my other documents, after 2 days I was going to issue a check to my constructor for plumbing, I realized that my lock box got broken and my check book was stole, that day was XX/XX/XXXX I called chase right away, I told them I lost my check book please void all my checks, they did not ask me to close my account for security reason. after that I order a new check book from chase website, and then the guy who stole my check book start depositing my checks in different amount in XXXX times for {$44000.00}. I realized it a week latter because we have more than XXXX bank account I do n't really check my account. we called XXXX XXXX away after I realized it that was XX/XX/XXXX, three of us the XXXX OF the BUSINESE OWNER and the CFO AND the store XXXX, we told chase our account been stole money out plz freeze our account and made a claim for this happened. I thought this is done for losing money from my account! it is not! the guy deposit 5 more checks after we called and claimed!!! the total amount we lost is XXXX, I download all checks image what they deposit, I found something funny is 3 of the 24 checks I lost they did not even sign anything on the space where people spouse to sign, but chase still deposit for them without any signing, other than those 3 checks are all signed in different names! we got a call back from chase at XX/XX/XXXX they refused to pay us back for what we lost because I did not security our check at a safe place, but I told them I secured my check at the lock box of my truck but they want me to fill out a new police report because the one I gave them before I said I may forgot my check book at my truck, but what I mean is I secured the check book at the lock box of my truck, they keep using this point to fight me, my detector been calling me to ask chase call him back but chase never does! i been telling chase i am sure secured my check book at my lock box of my truck, but someone broken it in i can not protect it. we are really having troubles with founding now, we are out of cash flow, the construction of our restaurant must be stopped in 3 days because we are short of this XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

New Rez -Shell Point mortgage incorrectly credited a payment to principal and then reported a 30 day late, when in fact, they had the payment and a I had sent a second payment once I was notified ( only via US Post almost at the 30 day limit ) so they had a double payment. I am on a credit monitoring service. I complained to both the monitoring service and New Rez. I have tried spending hours on the phone to get no where with New Rez. Their customer service is rude. I have uploaded the complaint letter and documentation to this website. New Rez never even acknowledge receiving my complaint. In frustration with them, I paid that mortgage off and now that account is closed. I would like to get my XXXX credit score back. Their reporting has dropped my score to XXXX. Please help me fix this error which New Rez will not even acknowledge.
Product: Credit reporting or other personal consumer reports

please remove these inquiries from my credit report ASAP! 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

National Recovery put a collection on my credit report without giving me a right to dispute. I received an alert from XXXX XXXX stating that a collection was added to my report. I do not owe XXXX XXXX and XXXX nor National Recovery. Per the FCRA, I am supposed to receive notice regarding a collection before it can be added to my report and then I have to be given the right to dispute the validity of the debt, I have not received any correspondence from National Recovery.
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 XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

On XX/XX/2018, I had attempted to make a payment to my Capital One Quicksilver credit card using funds from my XXXX XXXX Checking Account. I am an extremely diligent consumer, with ( now ) 99 % on-time payment history. That particular day, XXXX XXXX had processed the payment, and the transaction even showed on my XXXX XXXX account the next day. However, the day after that, XXXX XXXX had pulled back the funds, resulting in a " missed payment, '' and on top of that, they had charged my {$35.00} for this unsuccessful bill payment. When I had gone to the institution ( XXXX  XXXX ) to close the account as it had not been the first time I was charged the same fee for unsuccessful payments and at the time I had been frustrated by the recurring situation, they had suggested that I switch to a student account that protects me from unknown or delayed NSF situations - an offer they did not give me in the beginning even though they were aware that I had been a college student when I first applied for a checking account with them. Though I chose to remain with them, the situation caused me to go down from 100 % on-time payment history to 99 %, which subsequently effects my overall credit score.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX. I just received an updated copy of my Early Warning report removing an inquiry from XXXXXXXX XXXX I didnt authorize. Upon reviewing this updated report. I found another issue. I just recently opened a checking account with XXXX in XX/XX/year>. Why is Early Warning allowed to post my daily balances? Please see the attached report .Early Warning is only used to report an account opened or closed along if the account is in good or bad standing. They are violating my privacy by printing my balances. My other banking accounts arent reporting my daily balances to Early Warning. Please send me documentation that allows Early Warning to go into my bank accounts to look at my balances and report them. Please delete the balances of my account with XXXX. This is a violation of my privacy and my civil rights Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously froze my credit with Experian and did a temporary lift from XX/XX/XXXX to XX/XX/XXXX. They provided me a PIN and I kept it. Today, XX/XX/XXXX I went to the website to again temporarily unfreeze my credit report for a time sensitive application. The website would not take the PIN. I tried to proceed without the PIN and was locked out. I called the phone number and was only routed to a machine with an address with no details on how to unfreeze my credit report. This is unacceptable.
Product: Debt collection

ARS is a medical collection agency that has been sending me collection letters for {$1000.00}. 
I sent the a letter requesting the address of the medical provider so I can go there in person to check why am I getting collection letter and instead they responded that they represent physicians who provide services in healthcare facilities throughout the country. And then they mentioned that in response to my request for verification of debt they have listed this information : Creditor : XXXX XXXX XXXX Account XXXX Amount owed {$1000.00} Service date XX/XX/2016. 

Not only are they not sending me the signed medical registration I requested from them. But as you can see, there response is vague. I don't know who XXXX XXXX XXXX is to g and investigate myself and they don't give me address, name of doctor or telephone number to the medical facility. And also if the service was 2016, why are they violating statute of limitation law if there time expired.
Product: Credit reporting or other personal consumer reports

Equifax failed to do a proper investigation. I asked Equifax to update all the inaccurate and or incomplete information on my credit report they ate still reporting inaccurate and incomplete information on my credit report which is hurting my ability to get lines of credit. I will provide documentation that I sent last month and you will see nothing was done, the inaccurate accounts are still reporting. Equifax must do a Reinvestigation of these accounts that will be mentioned in my documents listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times a collection from Kingston collection and anytime fitness multiple times I do not owe them for this account as it was closed and their was nothing oweing on the account when it was closed. Yet they turned me into collections and are calling me harassing me and I do not owe them. They have damaged my credit rating and contributed to my inability to purchase my home. I have contacted transunion multiple times and they say they have investigated and the account info is correct and left the inaccurate info on my account. This is not the only time I have had issues with transunions so called investigations they did this with inaccuracies with 2 XXXX  XXXX  XXXX  accounts on my report that also significantly damaged my credit score and contributed to my inability to obtain a home loan and require me to lease a rental property. Their investigations take longer then they should and they are not adequate. I have contacted the XXXX to help get anytime fitness to acknowledg the collection is not accurate and I will report Kingston professionals in any way possible to put an end to the phone calls and harassment trying to force me to pay a debt that I do not owe. XXXX could easily validate my dispute but from my experience and having this be an issue on multiple occasions on multiple accounts within their reporting of and investigations into my credit report it seems they are not handling their duties as they should and the consequences of this has caused me financial loss, loss of time, XXXX, and all around has had a domino effect that has impacted almost every aspect of my life. Your credit rating is essential to maintaining financial stability and those who are in charge of ensuring its accuracy should hold themselves and their duties to a higher standard then what i have experienced with the handling of my report.
Product: Money transfer, virtual currency, or money service

they ban my account without any clear reasons.
Product: Checking or savings account

- On XX/XX/XXXX I became aware that my debit card was lost or stolen and notified USAA on that date via phone. USAA cancelled the debit card and reissued another ( which I have not activated to this date ). 
- On XX/XX/XXXX, I also noticed 8 fraudulent charges that I did not authorize or benefit from. I notified USAA in the same phone call and a fraud investigation ensued. These charges were based in XXXX. 8 charges were from 8 different merchants but 2 sets of three were identical down to the cent. {$1600.00} ( 3 times ) {$1600.00} ( 3 times ). 
- I was not in the country of XXXX at the time, have cell phone records, card present charges in the US during the time frame and a professional photo taken to establish credibility. 

- USAA started to investigate but on XX/XX/XXXX determined that the charges were not fraudulent. I requested 2x any evidence that the company could provide ( as they mentioned that was my right ) to make their determination. 
- USAA on XXXX provided mere correspondance but no evidence. 
- On XXXX, a representative escalated my claim and verbally told me the 8 charges were card present charges which imply I would have to be in XXXX to make the charges. 
- No other member of my household has access to that account. My wife had a baby on XX/XX/XXXX so she couldn't travel and my eldest child is XXXX XXXX XXXX USAA has a zero liability fraud protection program ( https : //www.usaa.com/inet/wc/advice-finances-debit-card-fraud? akredirect=true )
Product: Credit card

XXXX  separate hard inquiries have appeared on my experian credit report. I believe there have also been  XXXX  on my equifax report but  XXXX  have been removed. All of these have been from Amazon/C hase for Amazon c redit cards. My husband and I started receiving them about the same time just a few months after refinancing our home. After conta cting Chase af ter I believe the  XXXX  inquiry, they stated they would remove the inquiries from my credit reports but they have not done so. The inquiries were on  X/XX/XX ,   X/XX ,  X/XX ,  X/XX ,  X/XX ,  X/XX ,  X/X ,  X/X ,  XX/X/XX ,  and  XX/XX/XX .   Below, I am noting below I have contacted the company but not for the most recent date.
Product: Bank account or service

When I login to paypal to I keep getting the following messages : PayPal is constantly working to ensure security by regularly screening the accounts in our system. We recently reviewed your account, and we need more information to help us provide you with secure service. Until we can collect this information, your access to sensitive account features will be limited. We would like to restore your access as soon as possible, and we apologize for the inconvenience. 

Why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2014 : Your PayPal account is connected by one or more pieces of personal information to another PayPal account that has a negative balance. 

Before we can remove the limitation from your accounts, you first need to resolve the negative balance on the linked account. Please call Customer Service at XXXX. 

( Your case ID for this reason is XXXX. ) How can I get my account access restored? 
It 's usually pretty easy to take care of things like this. Most of the time, we just need a little more information about your account or latest transactions. 

To help us with this and to find out what you can and ca n't do with your account until the issue is resolved, go to the Resolution Center. 

We 'll review the information you provide and email you if we need more details or when your account is back to normal. 

Once you complete all of the checklist items, your case will be reviewed by one of our Account Specialists. We will send you an email with the outcome of the review. 

I have XXXX accounts, XXXX I want to close and the other I would like to continue to use since I have cleared the balance on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that my social security number had be compromised. I checked my credit report and I have not applied or tried to acquire accounts from any of the companies listed. There are current inquiries on my credit report I did not authorize. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

The CARES act allows borrowers not to pay fed student loans until XXXX. For those on PSLF, this period still counts as a qualified payment under the legislation. Despite this, fed loans continues to send emails about hardship forbearance indicating that taking a forbearance makes a person ineligible for PSLF during this period. This is deceptive and contrary to the law just passed.
Product: Checking or savings account

Chase Bank closed my new small business account without notice, claiming suspicious activity. I explained that it is a new business in the education field, and all charges are legitimate. They have not released the full balance, and have been sending me small checks each month for the past three months. 
They finally requested 12 parent customer contact info in XXXX in secure email and I sent them right away in the same day but they said they did not receive and then i send again last week those 12 parent contact info. 

One of my parent reach me and told me chase bank call him and ask about the charges. He told them its legitimate charge for his kids receiving tutoring services in our center. I will attached this email to you. Bank told him its not the proper way for ach charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX XXXX  Open Date XX/XX/2016 Balance : {$7200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Syncb/Walmart issued new cards with the new security chip through Mastercard instead of the store name card. When doing so, they created a new account with no credit history and reported these accounts to the credit agencies. This in turn caused a major drop in my credit score because they transferred the balance to the new account but not the 10 year payment history on the card. This is an unfair practice and they will NOT fix it. I spoke with syncb and the supervisor " XXXX '' who told me there is nothing that can be done about the problem. According to them, since this is a new account with the new company they report it that way. If they are allowed to move the balance, they should also be required to transfer the payment history as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquirys delete and remove asap. These are not my inquiries Im tired of keep calling theses companies asking them to remove these inquiries n companies wonder why I put fraud alert on my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX
Product: Student loan

On XX/XX/XXXXXXXX  I applied for Borrower Defense and opted out of forbearance. 
on XX/XX/XXXXXXXX  I messaged MohelaXXXX XXXX PM Body : Your Question : Good day I am part of the post class with the Sweet case. Does the forbearance automatically show after the Covid forbearance is over? Do you need a copy of my letter? 

MOHELA 's Response : Thank you for contacting MOHELA, We apologize for any inconvenience this may have caused. Our records do not yet reflect a receipt of a forbearance being applied after the Covid-19 forbearance ends. If you would like to request a forbearance, please respond to this email with the request. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX. to XXXX XXXX., Tuesday and Wednesday XXXX XXXX. to XXXX XXXX, Thursday and Friday XXXX XXXX to XXXX XXXX. CT. 

Thank you, MOHELA XX/XX/XXXX XXXX XXXX  Body : Your Question : I would like to keep making payments on my loans even while my loans are being reviewed for Borrower Defense, so I do NOT want forbearance applied after the Covid pause. Thank you. 

MOHELA 's Response : Thank you for contacting MOHELA, We have submitted a request to opt out of the borrower defense to repayment forbearance. Please allow 2-3 business days to process. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX. to XXXX XXXX., Tuesday and Wednesday XXXX XXXX. to XXXX XXXX., Thursday and Friday XXXX XXXX. to XXXX XXXX. CT. 

I called on Wednesday and spoke with someone because my account was still showing forbearance. She told me it would take a few business days, but I will be out of forbearance. 

Today I received : A forbearance has been placed to postpone payment on some or all of your loans. Forbearances can be a helpful short-term solution, but they can have negative impacts on your account. Carefully read this letter and the Loan Declaration regarding the status of the forbearance ( s ). 
If you are participating in an income-driven repayment ( IDR ) plan, you may not be benefitting from the interest subsidy and qualifying payments toward loan forgiveness that you may be entitled to under the IDR plan. You may decline or request to end the forbearance by calling us at XXXX. 

I messaged them again for waiting on hold for over 20 minutes is frustrating.
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I checked my credit report this morning and saw inaccurate accounts listed. I have no idea how this happened. I check my credit regularly, and this time, discrepancies just appeared out of nowhere. I even refreshed my browser, thinking it could be a glitch, but nothing changed. The wrong accounts were still there. I'm pleading for the documents Ive sent to be carefully reviewed, so I can stop worrying about this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$1200.00}.