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

I opened my Chase checking account on XX/XX/XXXX at the Chase branch but my account was locked on XX/XX/XXXX and closed on XX/XX/XXXX. I called on XX/XX/XXXX to resolve the issue with the customer service center and the XXXX office but just received a call today as of XX/XX/XXXX that my account was closed without sharing any information. 

When I called when my account was locked, I told them about some possibilities related to the incidents that happened back in XX/XX/XXXX, and below is what I shared. 

I received lots of checks from my previous company and accidentally deposited about six checks twice on XX/XX/XXXX and I requested them to be canceled one by one on XX/XX/XXXX through the app. Then my account was locked and I ended up calling them to follow up but they told me the bank decided to close the account. I tried my best explaining what happened and what actions I made but they just hung up and closed and then charged an additional fee for each canceling transaction. 

I made a mistake, but quickly made action to solve it but the bank closed it without reading my cancellation request messages or considering my follow-up calls. 

This is unfair to a customer who tried his best to fix the mistake with an excellent credit score and no criminal records at all. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on this for some time now. XXXX is the only company that is listing my creditors and credit score. TransUnion literally told me that I can not have a 1 letter last name. TransUnion would no longer help me any further. XXXX  can not find anything except when entering my middle name of XXXX   as my last name. What they did find are two older accounts that were closed over 10 years ago. XXXX   did open an investigation into the matter. They concluded that my creditors were not reporting any information to them. So I called all of my creditors, 5 student loans and 4 credit cards and they all state the same thing. They are reporting my name and information to the three credit bureaus as is - XXXX XXXX XXXX. This is now affecting my ability to purchase a new home. Please help me ASAP.
Product: Credit reporting or other personal consumer reports

I request for the payment to get correct on my credit file I was never late for this account in XXXX of XXXX or XX/XX/XXXX. XXXX was taking out my account and I can see that the credit card payment was made to my self builder credit card. Please update the account and change the late payment to paid on time. Here the account name and number : XXXX XXXX account number XXXX. I have proof payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 60 days ago, I sent letters to the XXXX major credit bureaus and till this day I haven't been notified about this investigation. I would like this issue treated immediately. This is affecting my financial situation while I am currently enrolled in school. Please resolve this issue, I do not want to have to pay more money than I need to as a student. I need every penny. I will file for litigation if I have to.
Product: Checking or savings account

charging me overdraft fees knowingly i don't havethe funds or money in my account just to charge me a fee.
Product: Mortgage

My mortgage was sold to XXXX XXXX by XXXX XXXX and serviced by Rushmore Loan Management. My previous complaint to CFPB was to be sure that XXXX XXXX sends all my loan modification documents to Rushmore. C Today after sending email, leaving VMs to Rushmore to know the status of my modification, I talked to XXXX who continuously told me that they received only the XX/XX/XXXX package. Which was shocking so I told XXXX that I will be filing a complaint because I had a letter from XXXX XXXX stating that they had transferred all documents. He told me to speak to XXXX XXXX who is my account manager, that he was only reading whatever was on the notes. 

Then few minutes later I called XXXX XXXX phone number and was redirected to XXXX who confirmed that they received the XX/XX/XXXX modification transferred by XXXX XXXX and that Rushmore is working on my modification and that XXXX would return my call in next 1 or 2 days. 

I had left a VM last week to XXXX, sent her an email this weekend and left another VM this morning. Last week, XXXX ( @ Rushmore ) told me over the phone that XXXX was my account manager. Today XXXX told me that XXXX XXXX is my account manager
Product: Credit card or prepaid card

I made multiple attempts to close my account, they refused to close my account. 

The fax number they provided said No Answer, and I they repeatedly would not close my account. 

This occurred on XX/XX/18. 
I spoke with XXXX at XXXX XXXX, she refused to close my account. 
I spoke with XXXX at XXXX, she refused to close my account. 
I spoke with XXXX at at XXXX, she reused to close my account. 

Fax result says : No answer, therefore fax number does not work. 
I attempted to fax ten times over three days, still No Answer from fax number. 
Fax result does not say Busy or Sent, but it says No answer. 
Fax number does NOT work, it's invalid. 

They are currently charging my account and refuse to close my account. 
I need this to be stopped and my account closed.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Erroneous Accounts and Request for Deletion To Whom It May Concern, I am writing to formally dispute the presence of the following accounts on my TransUnion credit report, as they have been verified as inaccurate and subsequently removed from my XXXX credit report. The accounts in question are as follows : ( SEE THE ATTACHMENTS ) I have attached documentation from XXXX confirming the deletion of these accounts, as well as any supporting evidence demonstrating their inaccuracies. Despite this, these accounts remain on my TransUnion credit report, which is unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

As you are undoubtedly aware, the FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Retaining these accounts on my report after their proven inaccuracy undermines the integrity of your services and has caused undue harm to my creditworthiness. 

I demand that TransUnion immediately investigate and remove these accounts from my credit file to ensure consistency and accuracy across all credit reporting agencies. Failure to act promptly will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to protect my rights. 

Please provide written confirmation of the deletion of these accounts within ( XXXX ) days of receipt of this letter, as mandated by federal law. 

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

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Cedars Business Service has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited.Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. 

The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. 

They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. They have violated rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account. They are improperly holding me liable for the fraud on an account; failing to delete inaccurate, derogatory information from credit reporting legal obligations and negative reporting. 

I was forced to relocate across the country and was effectively forced out of the mainstream banking system. Because defendants like this and XXXX violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my report and by misreporting and failing to delete inaccurate information on my report, thus damaging my ability to open a bank account etc.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report, as I believe it to be inaccurate and a result of negligence on your part, which has caused damage to my credit standing. This letter serves as my notice of dispute and request for investigation in accordance with Section 1681o of the Fair Credit Reporting Act ( FCRA ), which holds consumer reporting agencies civilly liable for negligence in maintaining accurate and updated information.

I request that you thoroughly investigate these items and provide me with a response in writing, including an explanation of any corrections made. I would also appreciate it if you could provide me with the name, address, and telephone number of any sources used during the investigation.

As per the FCRA, you are required to ensure that the information in my credit report is accurate and up to date. Failure to fulfill these duties is a violation of the law, and I am invoking my right to seek damages as per 15 U.S.C. 1681o, which provides for civil liability in cases of negligence in the handling of consumer information.

Please confirm in writing that this dispute has been initiated and provide a timeline for the completion of your investigation. I also request that you send me a corrected copy of my credit report once the dispute has been resolved.

Thank you for your prompt attention to this matter. I look forward to your swift and thorough resolution.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I sent payment to Alliant Credit Union for {$350.00}. Payment was due XXXX  I then received notice they never received my check and was charged a {$25.00} late fee. I sent to them a copy of the cashed check and to date they have not not fixed the credit reporting or reimbursed me for the late fee.
Product: Checking or savings account

I am writing to express my frustration and seek immediate clarification regarding multiple issues Ive encountered with my personal and business accounts at Chase Bank. These problems have escalated to the point where my funds have been withheld, and my accounts are now closed without a clear explanation. 

To summarize : Deposit Issue : I mobile deposited a check from one of my company vendor partners into my account. The money cleared, but I later received an email stating multiple accounts would be closed due to fraud. 
First Response : When I contacted the bank, I was informed that I was not listed as the owner of the company the check was issued to and that the company was no longer active. I immediately confirmed information was incorrect during phone call and had my name added to the registered site as instructed ( I'm a silent partner in the company ). 
Further Confusion : After providing proof of ownership ( via fax from the company CEO ), I was told that the issue was related to needing further documentation. However, even after these steps, my account was still restricted, and I was unable to access my funds.

Ac

count Closure : Four days later, my savings account was closed. When I followed up, I was told my checking account would also be closed, and the deposited funds would not be released to me. Vendor Verification : The bank then requested that I verify th
e legitimacy of the company that issued the check. However, when I provided two phone numbers for verification, the bank claimed both numbers were not valid numbers based of their number check system. These are the same numbers we have used for years to communicate with the company and receive service requests, so this was highly confusing. 
Escalation Attempts : After attempting to resolve the issue, I had the CEO partner of my company contact the bank to speak directly with a representative. During this call, the representative disconnected without explanation. 
The most concerning aspect of this situation is that the bank has previously processed checks from the same vendor without any issue. Now, I am being accused of fraud despite having the business account being in both my name as well since im the personal guarantor with all the correct documentation. If the bank has allowed these transactions in the past as a courtesy, it raises serious questions about their handling of my accounts and whether I have been wrongfully flagged. 

I request immediate clarification on the following : Why were my accounts flagged for fraud despite providing all requested documentation and verifying my identity? 
Why is the bank now refusing to release my funds after previously processing checks from the same vendor without issue? 
What is the next step I need to take to resolve this situation and restore access to my funds? 
I would appreciate a prompt response and resolution to this matter, as this has now become an urgent issue affecting my personal and business finances. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2019, I booked a reservation at the XXXX  airport XXXX XXXX with my Chase Marriott rewards Visa credit card for Tuesday, XX/XX/2019 but it showed the wrong date after booking. I immediately contacted the merchant to advise that they booked the wrong date. Merchant refused to respond. Merchant attempted to charge me for services that were not provided. I provided documentation of this to Chase and they have refuse to remove this invalid charge. Merchant has lied about the dates that were booked. Merchant has refused to respond to me. Chase is now charging me for services that were not rendered. I am being billed {$170.00} for a hotel stay that I never stayed at, and which the merchant booked the wrong date. Sincerely, XXXX XXXX
Product: Student loan

Recently, all of my remaining student loans went into FORBEARANCE, which I did NOT request. I am totally aware this is due to the current COVID-19 situation, and I appreciate that this is helping those who are struggling ; however, I am actually quite fortunate right now *knocks on wood* and would much rather continue to pay. 

The 0 % interest rate is great though ; I am certainly not complaining about that. 

I contacted MyFedLoan, and they said they would fix it, but that has not happened. 

1. I certainly do NOT want FORBEARANCE mentioned on any of my credit reports ; being my FICO score is 830+, it would make me look risky as if I could not afford my {$200.00} ish payment, which is not a problem for me whatsoever. 

2. The loans without forbearance with regular on-time payments are scheduled to be paid in-full by me at or about the end of XXXX, and with FORBEARANCE this will either extend them into XXXX or make a lump-sum due neither of which I really desire. 

Background information : I am nine ( 9 ) years into re-payment having never been late and never missed a payment. I actually have enough to pay all 5 of the loans off in-full, but I would rather keep paying as I was paying before COVID-19.

I DO want to keep the 0 % though.
Product: Debt collection

I received credit alerts from : XXXX, XXXX, and XXXX that debt collectors Receivable Solutions flagged my accounts for collection. Debt collectors Receivable Solutions flagged my credit file with inaccurate collection Department / Agency / Attorney information on XX/XX/XXXX. The account was opened on XX/XX/XXXX : I have not received any good or services from debt collectors Receivable Solutions and I do NOT now nor have I ever agreed to debt collectors Receivable Solutions to report to my credit files. 
I did not receive any documentation from debt collectors Receivable Solutions to allow debt collectors Receivable Solutions to verify the accuracy of the data before placing their account with the credit bureaus for collection. 
I mailed debt collectors Receivable Solutions a certified letter and it was received XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I gave debt collectors Receivable Solutions a curtesy call verifying that my letter was received, it was received and confirmed by XXXX then I was transferred to XXXX. XXXX informed me that the call was recorded and that it was an attempt to collect a debt after I informed her my call was indeed a curtesy call for mail delivery she then informed me that the account was closed on XX/XX/XXXX ( yet it is still reporting to my credit files ) I asked XXXX how could this be an attempt to collect a debt from a closed account and I never agreed to an account in a first place. She mentioned the hospital that received compensation for my stay and I asked again who gave debt collectors Receivable Solutions my information. XXXX then asked if the line I called from was a good contact number, I clearly stated that Receivable Solutions nor any authorized representative of Receivable Solutions have permission to contact me on the phone.
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. XXXXXXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX DPT EDXXXX Account XXXX XXXX XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : 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 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 or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and Im unsure why they appeared. I regularly check my report, but this time, unexpected discrepancies showed up. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Due to this problem, I kindly request a thorough review of the documents Ive submitted to prevent this issue from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Hard inquiries : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXl, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$610.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Mortgage

I made two payments XXXX XXXX and XXXX XXXX in amounts of XXXX usd each for a total of XXXX for XXXX XXXX mortage of XXXX. ditech shows my account as late and after receiving call from their rep on XXXX XXXX, agent winsdor stated he saw the two payments and he would fix it, monday XXXX XXXX when i called the rep stated nothing was done and she would take care of it. on XXXX XXXX as promised by ditech it would be fixed i spoke with Supervisor XXXX, stated it was not fixed since they are having problems and would not be able to fix it for 30days. in the meantime they are sending me late payment notices. 
when i make my XX/XX/XXXX payment even after XXXX 's promise that payment will be applied for XX/XX/XXXX, i know it would default for XX/XX/XXXX payment. ditech is ir-responsible in their duties and should fix this problem instead of sending me late notices and making calls for why the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have a FTC affidavit and a police report and Experian, XXXX XXXX will not remove the XXXX account from my file. It is not my account. I have for 6months now sent them my info and asked that they verify and they never do. Please help me get this taken care of