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

On XX/XX/XXXX. CHASE Bank. Closed my account after I begged them to allow me time to keep it open because of my stimulus checks going to that account and to not fall victim to any of my money sent to wrong account. They closed it. I spoke with Account Recovery on XX/XX/XXXX to recoup the funds, they said that I had to have a 2nd personal checking to do so, and being that I didn't they sent my money back to IRS. Which I still haven't gotten as of XX/XX/XXXX. 
A 3rd stimulus was released from IRS on XX/XX/XXXX to the same account ending in 5206.. which I tried to update with IRS which they don't allow. Chase Bank said one again pay the old account off in amount XXXX and open a new account and they can reroute my stimulus from the closed account to the new account. I confirmed this with Claims and Dispute Dept at Chase Bank. So I paid it and opened a new up this time to avoid my funds being sent back. I asked for Notes to be on my account to prove that If I pay the old account I would have a reroute.. today XX/XX/XXXX my stimulus hit the account and How Nasty Chase Bank Claims dept Manager etc got with me. I feel hood winked and Tricked to pay that acct off and now being told it was a Corp decision to not reroute any funds regardless of new open account. Why wasn't that explained to me when I verified with the dept that reroute funds on Monday XX/XX/XXXX, and Tuesday XX/XX/XXXX I needed my XXXX to pay at mercy Bills to prevent a car repossession, and keep food the table and Chase Bank lied to me and led me down a dark path and then got nasty about my situation. I don't deserve that from Chase Bank to be lied to and tricked to get my last earned bucks and then told to Call IRS about your money, not us That was so nasty. As a consumer I've been wronged by a banking institution and account was notated that if I paid charge off, open a new account, I would still get my funds And the say of funds being deposited, I feel scammed by Chase Bank. They gave me false Hope in my drastic situation. Which is WRONG. No integrity, and all lies was told to me and I believed it. I don't trust Chase Bank and they practices.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW.

Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date July 25, 2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Very RESPECTFULLY, PLEASE DELETE AND BLOCK the requested information on the previous communication.

What you need to submit To block trafficking-related information from your credit report, you need to submit : ( 1 ) Proof of identityI sent my CLEAR copy of my drivers license, ( 2 ) Trafficking victim determination I provided this notarized statement from a court appointed notary- You also may provide a self-attestation, provided that it is signed by a representative from a governmental entity- The Advocacy group also is authorized by a government entity, court, authorized NGO or human trafficking task force.

( 3 ) Identification of adverse information I provided the adverse Items that needed to be deleted and blocked I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of this information from my credit report. 
Thank you for your understanding and cooperation. 
I have done all that is required and they still have not responded and its been a month.. They said staff is not trained and they need to submit to the companies for investigation.
Product: Money transfer, virtual currency, or money service

I received funds to PayPal account from a family member via credit card. 

PayPal is mandating a " 30 day hold '' on the funds. I contacted PayPal via telephone and asked them to either release the funds into my PayPal account, or release them as a refund to the issuing card, they refused both options and stated there was " nothing they could do '' to release the funds prior to 30 days.
Product: Student loan

I am writing to formally lodge a complaint against Nelnet regarding numerous issues I have encountered with their website and customer service, which have made managing my student loan nearly impossible. 

First, the Nelnet website is not user-friendly, particularly on mobile devices. The interface is cumbersome and difficult to navigate, and it does not adhere to accessibility standards. Even as a XXXX XXXX XXXX I can tell there are issues with tab order and ability to access elements, I can not XXXX this for a XXXXXXXX XXXX XXXX XXXX XXXX 

I have also faced persistent problems with the login system. Despite multiple attempts to reset my password, the process does not work as intended. While Nelnet provides a call center for support, the hours of operation are not accommodating for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The call center is closed during the hours when I am available, such as XXXX, which exacerbates the difficulty in resolving these issues. 

The live chat feature on Nelnet 's website is equally frustrating. It relies on an automated robot that is unhelpful and does not provide the assistance needed to resolve technical problems or account issues. Moreover, Nelnet 's messaging system is inefficient ; messages are not easily accessible and often go unanswered. I can sometimes click where it says I have a new message only for nothing to display and it say you have no new messages. 

Compared to my experience with Great Lakes, Nelnet has made accessing my account significantly more difficult. Simple tasks, such as applying for the XXXX XXXX ( XXXX ) plan, have been problematic. I submitted an application for the XXXX plan earlier this year and never received any correspondence or confirmation, leaving me uncertain about the status of my application. 

Furthermore, Nelnet does not offer an email contact or any alternative form of communication for addressing account issues or technical problems. This lack of accessible support channels is unacceptable and leaves borrowers without adequate means to resolve their concerns. 

In summary, the user experience on Nelnet 's platform is severely lacking in terms of usability, accessibility, and customer support. I urge you to address these issues promptly to ensure that borrowers like myself can manage our loans effectively and without undue hardship. I am still unable to access my account. This has been ongoing for over a month now. I believe I have correspondence related to my loan ( such as student debt relief programs ) and nelnet does not want me to know about and this possibly could be nefarious behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent the credit bureaus my information to update my personal information on my credit report but they have not done anything yet and it has been 2 months.
Product: Credit reporting or other personal consumer reports

Requested account verification, account show on credit report charged off. My account information has been data breached.
Product: Credit card or prepaid card

Today I called the phone number on the back of the JCPenny 's card which directed me to Synchrony Bank. It then asked me for the last 4 digits of my social. When I got through to a person after waiting 45 minutes the woman in turn said I can't take your payment and that I needed to call JCPenny 's Customer service. So I decided to call the customer service number directly. It appears that Synchrony closed my account without my knowledge even though I have been paying on this card on time every month. Its like they deliberately trying to get me to pay fees. I couldn't pay my payment which is due today because the number I called back for Synchrony said they closed at XXXX XXXX XXXX. This bank is so unfair and unjust to the consumer who is just trying to keep the credit right. This credit system is all A GAME FOR POOR PEOPLE TO PAY FEES AND HUGE INTEREST RATES.
Product: Vehicle loan or lease

XX/XX/XXXX entered into a Fraudulent Loan due to the fact that the vehicle is being fiance and per the consumer laws a down payment should not be taken at the time of the consumer credit transaction which violated consumer law Which I made a down payment. 

Second, Insurance premiums are supposed to be included into the finance charges per 15 U.S. Code 1605 ( a ) Third, per phone called XX/XX/XXXX, I was threaten with repossession per 15 U.S. Code 1692e ( 4 ) That is in violation of my consumer rights I have been harassed by your company, and threaten to have my car taken away which this consumer credit transaction was Fraudulent upon entering into on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to XXXX days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked Equifax on XXXX occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Equifax did not complete an investigation, nor had communications of results or said investigations. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) XXXX XXXX contacted me today through a XXXX party ( blocked number ) to alert me that legal action will be taken against me on Friday. They will be mailing off a court summons on Friday to my place of employment and my home address ( I have this on voicemail ). I was also instructed to contact above phone number for further information. When I called that number the person who answered the phone stated " legal department. '' When I asked for teh company 's name I was told XXXX XXXX XXXX. I was asked to confirm the last XXXX of my SSN. I was told that I owed over {$1500.00} for a credit card ( XXXX ) debt that I disputed over 8 years ago and got removed from my credit report. I was told by the representative of the legal department that once they file to sue me my wages and bank account can be garnished and the account will be placed on my credit report again. I contacted an attorney who called the company and he confirmed that it was a scam.
Product: Vehicle loan or lease

Bought a new XXXX truck, got a free 30 day package of XXXX, upon speaking with an XXXX rep i was told my card wouldn't be charged during their sales pitch, and it was. There's an instant XXXX charge for signing up for additional coverage. They lied and likely have been for a long time
Product: Credit reporting, credit repair services, or other personal consumer reports

These account are open because of fraud. I have disputed with the companies more than once. not sure why they continue to be on my credit report. 

XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3800.00} CAPITAL XXXX AUTO FINANCENeeds Attention Last reported : XX/XX/XXXX {$3000.00} In Collections/Charge-off XXXX XXXX BANK XXXX NA Closed : XX/XX/XXXX {$1000.00} Closed XXXX BANK DELAWARE Closed : XX/XX/XXXX {$200.00} Closed
Product: Debt collection

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA.

ABSOLUTE RESOLUTIONS INVESTMENT is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ). THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ABSOLUTE RESOLUTIONS INVESTMENT. Please be advised that providing a memorandum or other statement from your agency, stating that ABSOLUTE RESOLUTIONS INVESTMENT the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX*As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I opened an Apple account in XXXX 2020 and never charged anything on it. Some apple charges from my phone went on the account that I was not aware of. The company then proceeded to send digital invoices to an old email account that I have not used in over 8 years, since changing my name. My apple ID had that account as the name of the account, but NOT the email associated with it. 
The company then sent email notices only for a few months before finally notifying me by mail of the balance owed. The day I received the notice I called and paid the balance in full. Now the account is reporting a balance due after the account was paid in full. The account is closed, yet it is still being reported as open with the balance due. 
With all the email problems that occur, for anyone to limit communication with customers to email only and then send that correspondence to the wrong email should be criminal. It should be illegal to report late payments in this situation and there should recourse for consumers who find themselves in this situation. I have not one single late payment in over 8 years and now this situation can prevent me from purchasing a home. I am more than upset and think Apple not be allowed to offer these services if they are going to create these kinds of situations for their customers. I will sell my stock, get rid of my XXXX, XXXX and XXXX over this situation. This should be illegal.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX these accounts : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX -- XXXX XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX 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 Address : this address is not mine ( XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX )
Product: Mortgage

I have been having issues with Chase Bank regarding my Mortgage modification. 
When I started with Chase my home was about to go into foreclosure and that was the only company that would take my account and give me a mortgage. I had just bought a new house with a 7.25 % interest rate. But when I went to refinance with chase to keep my first home out of foreclosure a few months later they gave me a rate at 15.25 % XXXX The original rate for that house was 8.5 % ). Yes I was late from time to time but I always paid more than the monthly payments and late fees. I am retired now and my income has decreased so I have been trying to work on a modification with Chase for a lower interest rate. I have been repeatedly contacting Chase and they are always telling me we just need this one more piece of information each time I call, and I am never really given a straight answer when I ask where the equity in my house went. I have been paying on this loan for XXXX years. The house is only worth XXXX and I have paid almost XXXX the amount of the original cost of the house at the time of purchase. I have to admit that over the years I never stopped to take the time to look at my bills. Now that I 'm retired and on a fixed income I 've noticed discrepancies in my bills and have questions I should have asked years ago. My original mortgage was released to Chase XX/XX/1999. It is still not clear to me how my interest rate would jump from 8.5 to 15.25 %. It also does n't seem right for my balance to be the same every month after each payment. The modification that they are taking so long to answer about will add another 66 years to the loan. I just want someone to look at why they are giving me a run around about my modification. I apparently have a subprime loan, and I am trying to get out of it. They keep suggesting a quick sale but after XXXX years of paying on this house the thought of giving up is disheartening. My monthly payment is XXXX a month I pay XXXX and only XXXX goes toward the Principal XXXX goes to interest.
Product: Debt collection

Continued phone calls for a person with same name as me. Calls are coming from Portfolio Recovery Associates. I have requested that my phone numbers be removed. I have XXXX lines and calls come on both.