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

Chase policy not to charge {$34.00} fee for incoming items for {$5.00} or less. Chase charged me {$34.00} fee for {$6.00} XXXX transaction, contacted them for fee refund request because of above policy only {$1.00} above the limit, they declined even though opted out of all overdraft programs prior. 
Above Chase decision is unfair, predatory banking, not customer friendly, making me rethink to consider another bank for my direct deposit paychecks in the future.

Supervisor should have giving me the benefit of the doubt at least once and reverse fee but greed got in the way. 
I want this complaint to reach my Chase Bank, to be aware of the Mediocre customer service in place currently, refunding one time overdraft fee can go a long way. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian, they closed the dispute and refused to reopen and take proof. Experian did not contact creditor and closed dispute prematurely
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX & Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has SEVERAL of my long standing positive accounts not showing on my report, I tried to contact them and deal with it and they blame the lenders ( well I'm sorry but there is simply just TOO many of them to be the problem ) In any case I have contacted these lenders and they confirmed what I already knew, they ARE reporting to Equifax and ALL my info is 100 % and triple checked, Equifax just needs to report it as my Equifax score is lightyears lower then XXXX  and XXXX  because of this and I was RECENTLY turned down for a loan because of it, The lender ONLY used Equifax and sadly I looked like a pretty thin file which is incorrect
Product: Mortgage

We applied for a modification in XX/XX/XXXX that was ultimately denied in February 2020. They stated our mortgage was ineligible due to MA Chapter 194 35B and before we could appeal, COVID hit and we entered COVID forbearance. Our COVID forbearance ended on October 1. We have been speaking with Fairway and our ( yet another new ) single point of contact on our options. We had been hoping to utilize the COVID mortgage modifications but were told that because we were considered in arrears when we entered the COVID forbearance, that our loan is ineligible for those specific options. We were also told that despite our D : I ratio being vastly different now post-bankruptcy, the loan is still ineligible for modification due to the Certain Mortgage Loan Law dictating that the ineligibility happens at the time of lending. 

Initially, Fairway told us that unless we can come up with over {$80000.00} on XX/XX/XXXX, our only options were a short sale, deed-in-lieu, or foreclosure. They were pushing us towards a fast-track short sale and encouraging us to speak with real estate agents. We repeatedly told them that we wanted to stay in the home, that we make decent money, that we did not want to have to pull our child out of kindergarten mid-year, that we did not understand how we could not possibly stay in the home. 

After repeatedly pushing back on the reasons we were supposedly ineligible ( even going so far as to supply them with direct links to Fairway to XXXX XXXX lender letter XXXX outlining our options ), they finally admitted our loan WAS eligible, that the original interpretation of the MA Chapter was incorrect, that we were in fact eligible for the COVID19 options, and offered us a Flex Modification of 2.875 % for 480mos and a trial payment plan that starts in XX/XX/XXXX. 

However, given that our ORIGINAL modification application submitted pre-COVID was incorrectly denied and the flex modification they are offering us now adds almost {$60000.00} to our principal from interest accruing at 5.49 %, we asked them to correct their error and backdate our interest rate to our original modification application, reduce the outstanding interest accordingly, and recalculate the TPP. Then we would proceed with the flex modification and revised TPP starting in XX/XX/XXXX. 

They have refused and ambiguously state that they can not do it because our original modification was denied and seem deaf to us stating it was INCORRECTLY DENIED DUE TO NO FAULT OF OUR OWN BUT AN ERROR ON THEIR PART. 

They have also sent us letters stating they cant get a hold of us despite our regular contact ( both over email and phone ), we have not received the proper documentation for a right to cure, they seem to be skipping the steps they are legally required to make, can not get their stories straight, and at this point it feels like we are being pushed into paying usury interest upon threat of losing our home. I have spent countless hours on this that I simply do not have to spare and have been under immense stress from the whole ordeal that is approaching tort territory. We need help and I dont know where to find it.
Product: Credit reporting or other personal consumer reports

I am writing this letter to file a formal complaint against XXXX XXXXXXXX XXXX due to their mishandling of my account and their negligence in addressing my grievances in a timely and professional manner. 

On XX/XX/2022, I liaised with one of your representatives, aiming to close my checking account and XXXX XXXX XXXXXXXX XXXX credit card. I fulfilled the outstanding amount of {$260.00} to seal the closure. The representative verbally confirmed this action. However, a subsequent review of my credit report in XX/XX/2022 revealed a delinquent late payment tied to the very same credit card I believed was settled and closed. 

Upon contacting your institution on XX/XX/2022, it was confirmed that my account had indeed been incorrectly closed, leading to the erroneous delinquent charge. Though the account was reopened to facilitate a proper closure and an internal investigation was launched, I received no further communication from your end. Only after escalating the issue to the Consumer Financial Protection Bureau ( CFPB ) did I receive any acknowledgment. 

During this entire ordeal, XXXX XXXX XXXX, the designated enterprise specialist, consistently ignored my communications. Her eventual response was only on the brink of the CFPB 's deadline. Moreover, the subsequent investigation inexplicably denied the forceful closure of my account and even negated the existence of my business account. 

XXXX XXXX  XXXX 's inconsistency was further demonstrated in a letter I received on XX/XX/2022, which stated that my credit card had been closed per my request and was marked as delinquent, contradicting earlier correspondence. 

The repercussions of your bank 's errors have been manifold. Notably, XXXX has terminated my credit cards due to the unwarranted delinquency on my record. This, combined with the now tainted credit report, jeopardizes my imminent mortgage application. 

XXXX XXXX XXXXXXXX 's sheer disregard for this matter has been both alarming and distressing. The apathy and unprofessionalism shown by your staff are unacceptable. I expect a prompt acknowledgment of your bank 's mistakes and immediate rectification, notably the removal of the wrongful delinquency from my credit report. An official apology for the undue stress and inconvenience caused is also warranted. 

Should XXXX XXXX XXXXXXXX neglect to address this grievance effectively, I am prepared to resort to legal avenues to safeguard my rights. 

Your immediate attention to this pressing issue is anticipated.
Product: Debt collection

Enhanced Recovery Co has placed a collection item on my credit report. This debt does not belong to me. I have never received any written or verbal communication from ERC nor have they responded to my repeated requests asking to validate the debt. I have sent them a total of three letters to date, each being completely ignored. The account is showing as XXXX for {$1800.00}. The company refuses to validate or remove the account from my credit reports. I have tried filing disputes with the credit bureaus but ERC claims to them that the debt is valid ( with no proof submitted - EVER ).
Product: Student loan

Navient We where on the repayment income base and they failed to inform us that it was time to re apply and in doing so my husband credit was messed up and it took us forever to get help getting back on a repayment program. They even harrased us and called us alot and offered no solution just threats. I never reported all this because I thought they would just get away with it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a l compliant through CFPB about the unauthorized credit inquiries that Equifax is reporting on my credit report. Because every time I mail in a letter Equifax sends a letter back saying I need to prove my residence and identity. Equifax responded to the CFPB complaint on XX/XX/year>, with an explanation saying that the inquiries were verified. On XX/XX/year>, I mailed a letter to Equifax requesting a reinvestigate and Method of Verification or delete disputed items from my credit report. Equifax mailed another letter saying I need to mail in proof of residence and identity, which I have sent, and I always send. As of this date, Equifax have failed to respond to my request. 
The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing their investigation. They have not followed the stipulations of the law.
Product: Credit reporting or other personal consumer reports

Regarding Dispute : National Credit System XXXX XXXX XXXX XXXX XXXX XXXX A amount : {$24000.00} To whom it may concern ; I am disputing XXXX XXXX XXXX even though I already did throughout RENT TO GO. Account showed on my credit after it was removed from my rental history after being disputed. 

This account was disputed because my landlord refused to accept the payments from NJDCA after I was approved Due to Covid 19 I saw myself unemployed from both jobs I had at the moment, which is the reason I was unable to pay my rent. I applied for NJDCA covid relief funds and was approved putting me on a waitlist, which led to me being in court for back payments. 
At my court appointment on XX/XX/2023 I was offered an agreement by my landlord and her lawyer saying that THEY NO LONGER WANT TO WAIT FOR ASSISTANCE, AND TO TAKE MY LITTLE BIT OF MONEY AND LEAVE AND FORGET ABOUT WHAT I OWE.I got scared the lease was not current and it was not my name on it but my kids father XXXX XXXX. 
which they are also trying to charge even after i asked for him to be removed after he left way before this covid even happen. 
I left the premises on XXXX XXXX how they so nicely asked. 
( by NJ law according to XXXX landlords are not to deny assistance which I didn't know ) .I was given 30 days to leave with my kids because if I didnt they were going to evict me and would be a possibility of closing my doors if they continue court procedures. They claimed the government assistance where not going to help me and me being ignorant agreed because why will they not want their money. This was all in front of a judge who second the landlord by saying that this was true, that if i stayed and the follow court i might get my doors closed and be ask to leave without time to prepare. I should sue them because i am currently still homeless House hopping between people I know because of this. 
While homeless with my kids the NJDCA reached out to me claiming they were paying them at the time I was being offered to leave and also that they want to give the funds to my new landlord ( Which I don't have ). THEY ARE RYING TO HELP ME GET THESE FUNDS TO USE ON A DIFFERENT APARTMENT. I have not been able because of my low income which now is another issue and on top this being on my credit if affecting my kids even more. This is my last resort because I was given until XXXX XXXX by NJDCA to find an apartment for this funds or ima have to bring me and my kids to a shelter because I can't no longer stay where I am staying These reports being on my credit is stopping me from getting an apartment. 
If there is anything you recommend me doing please tell me, I feel like I was cornered to aggre to something that either way was meant to make me loose by some professionals that where not trying to help me. 
Thank you in advance
Product: Debt collection

On XXXX XXXX, XXXX at XXXX XXXX, I received A phone call on my cellular phone from a local number that said XXXX, it was area code XXXX. When I answered the phone, a debt collector from a company called dynamic recovery solutions was on the line. They said their phone number was actually XXXX or XXXX. The person was named XXXX XXXX. She said her companys headquarters is in XXXX, South Carolina. 

This company engaged in Call Spoofing which is ILLEGAL by federal law. Please review the attached picture for reference to federal law. I am requesting that dynamic recovery solutions ceased and desist all communications with me, and that they are FINED to the fullest extent of the law. Thank you and have a great day. XXXX bless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received numerous inquires on my credit report. I have not applied for any credit since XX/XX/2021. I reached out to all 3 bureaus and they were no help at all. I disputed the inquires with XXXX and they came back validated which is funny. You have to give written consent to run credit via an application, etc. There is no such thing regarding theses accounts. This is a violation on the FCRA.
Product: Credit card or prepaid card

My credit card just renewed, XXXX XXXX. The old card was on file with the XXXX XXXX XXXX. The new card was charged by the XXXX for a subscription I did not want. I checked my XXXX account and found they had an updated credit card info, i.e. new expiration date. I never gave them that info. The only other source is the card issuer, Bank of America. At the very least I should have been notified of this. I would like all future charges from XXXX stopped. The original charge back inXX/XX/XXXXwas an error. I called XXXX and was told it could not be canceled because of an automatic system. I decided to not pursue the matter it was only {$28.00}. Now the charge was made again with the new card.
Product: Checking or savings account

Sofi bank will not release my money to save my life. They are saying call the IRS and the IRS and saying I need to call the bank. I am trying to receive my funds before I file a lawsuit against SoFi Bank for breach of contract and a violation of my right to access my funds. They are trying to keep my money that I worked hard for. I have put in several complaints and if iI couldnt mobile deposit the check then why would the bank ( Sofi ) tell me that I can like they said in their last response to my complaint. Cant say I can do something then turn around and say that I cant! This is my last complaint then I am going to sue Sofi bank for then money they have taken and more. I need my money it doesnt take that long to send someone their money especially when Sofi bank states that their investigation has been over and they have already found a ruling. Its no reason for me to be waiting on MY own money! Like ive stated above this is my last time trying to get my money after I am going to let the courts handle this matter because Sofi bank is stealing from me. The IRS stated they have not received any money from Sofi bank that they have claimed they are sending back to them and that they have no dealings in what SoFi bank is doing. So this is my last complaint or I will be suing the bank for breach of contract and a violation of my right to access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Student loan

XX/XX/ 2018, there was a 90 day+ missed payment placed on my credit report. I was in forbearance at that time do payments were temporarily postponed. The company refuses to fix their issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to list 3 old closed accounts as open on my credit report that had a late payment. This situation has been resolved long ago with the companies and as instructed, I contacted the companies from the old accounts and had them tell equifax that the accounts are old and to remove the accounts and the delinquent information off of my credit report. This was 3 months ago. I am at a loss as what to do now. It is incredibly difficult to deal with Equifax. 
Please help. These mistakes are driving my Equifax credit score down by 100 points. Neither XXXX XXXX or XXXX list these old accounts on my report anymore. Equifax is the problem.
Product: Credit card or prepaid card

Capital One said they could not find any information at the credit bureaus and therefore could not make a decision so they denied me credit. The problem with this is that a credit report does exist, XXXX XXXX said I had a good chance at receiving this card, yet XXXX XXXX continues their financial slavery, XXXX  me commercially, XXXX  me financially to the point I can not obtain my constitutional rights to life, liberty and the pursuit of happiness. 

Capital one 's reason to denial of credit is inconclusive and really does not define the real reason for denying credit. How can I live if I can not find a place because I am denied credit? How can I live if I have no utilities because I am denied credit?
Product: Debt collection

My complaint is against Conn Credit Corp. They are in violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act because they are reporting derogatory information that is 7 years old. By law they are required to remove this information. I am requesting they remove the negative marks they are furnishing XXXX, and XXXX regarding a {$2600.00} charge-off they say I owe, under my social security number. Failure to do so will result in me seeking all legal remedies afforded to my under Federal and State Law. They will be required to defend themselves at a venue local to me. Upon receipt of this complaint I am requesting they remove the negative tradeline they are reporting to XXXX immediately!
Product: Money transfer, virtual currency, or money service

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 measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proc was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly stated that I have been a victim of fraud. I sent copies of my ID info ( ss #, Birthday, and Drivers License, etc. ) requested that the credit reporting agency remove the various unauthorized inquiries and even a couple of accounts that I did not secure from my report. They have simply asked that I contact the original inquirer and ask them to remove. A a citizen I have the right to have only accurate credit reporting. XXXX XXXX XXXX XXXX - XXXX ( continued to report this account as mine when it is not. I contacted Better Business and they reached out to XXXX and XXXX XXXX contacted credit agency to delete, but the account contiues to show up on my reports ) XXXX XXXX Credit - XXXX ; XXXX ; XXXX ( These accounts are all inaccurate and I sent copies of my ID info to Credit Agency to delete these three account. three weeks later they just tell me that they have all been verified. It 's impossible to verify false accounts. I do not own a XXXX XXXX XXXX nor have had THREE harleys in the past year. The credit agencies are not giving my accounts the attention needed since I have filed ID theft claims. <P/>Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ; XX/XX/XXXX- XXXX XXXX XXXX XXXX ; XX/XX/XXXX- XXXX XXXX ; XX/XX/XXXX- XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX - XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ( this bank called me and I told them I did not authorize and they still have this inquiry on my credit ) ; XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX