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

I opened a Chase business checking account on XX/XX/2022. I provided all information asked and Chase approved my application. I moved funds to run my entire business into this account. On XX/XX/XXXX I received a letter in the mail stating I needed to provide more info about my business to Chase and provided a number to call to do so. I immediately called the number the agent said sorry I cant help you and you will have to visit a branch. I said sorry the closest Chase branch to me is 3 hours round trip and that is unacceptable. He said he couldnt help me. On XX/XX/XXXX I escalated this request to the Chase Executive office for assistance. XXXX contacted me back and said they would investigate. On XX/XX/XXXX, my account was frozen and locked. I am unable to access all my funds and move them at all. This is disrupting my business and causing me to be late on payments. Chase is holding my money hostage and is refusing to unfreeze the account. XXXX called back on XX/XX/XXXX saying they could not help me. This is shameful and disgusting. I will not be bullied by Chase to drive 3 hours to fix this. Its not my fault they cant put a branch near me. I have an XXXX  and an XXXX that can clearly be used to verify my business on the phone or electronically. Chase has no right to freeze my money and give me no access to it. Chase has treated me like a criminal when I have a legitimate business that they are now impacting. Chase needs to unfreeze by account immediately and give me my money!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I origianally noticed inaccurate information on my credit report after being denied for a home. I contact the credit bureau immediately on XX/XX/XXXX regarding this information. I did not get any reposnse so I followed up with another letter after 30 days. I've read according to law they should complete an investigation and notify me of results within 15 days after my second request. I have yet to hear anything from them regarding this matter. As a result I am making a formal complaint on the company for failing to maintain accurate records and refusing to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried twice to fix my wrong ratings on my consumer report with Equifax. I have sent a first dispute on the XX/XX/XXXX. 

Credit bureaus usually have 30 days to answer your request, which they have not respected the first time, since I did not get any answers and had to dispute a second time. 

Both my accounts are settled and should have an updated MOP at XXXX and not XXXX. 

I have sent another round of dispute online on XX/XX/XXXX and now they have answered me and said that the information has been updated, but the MOP is still the same. 

They should be reporting the correct rating, since this affect my financial life and freedom. 

Here is what the Government of XXXX states to be rated 7 : - 7 Making regular payments using one of the following debt management options : a consolidation order orderly payment of debts consumer proposal debt management program with a credit counselling agency https : XXXX XXXX this can be fixed so that I can keep moving forward with my credit. 

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

There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX, XXXX, XXXX Address : XXXX To XXXX XXXX  XXXX XXXX XXXX Address : XXXX To XXXX XXXX  XXXX XXXX & XXXX  XXXX Address : XXXX To XXXX XXXX  XXXX Equifax XXXX THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : Bankruptcy Chapter - Chapter XXXX filed XX/XX/2013 ( XXXX & XXXX  XXXX The following items are incorrectly reporting that I was late : XXXX  Credit - Opened Date : XXXX ; Bal : {$650.00} ( XXXX, XXXX, Equifax XXXX
Product: Credit card or prepaid card

Bank of America blocked my access to online banking while traveling. The only way I could log into online banking to pay my XXXX  credit card bills was to have the card 's 3 diget code on the back. I did not have the cards on me as I only use the cards for recurring bills so they are kept in my desk.

I was traveling for nearly a month and XXXX of the cards went 30 days past due. I paid the cards as soon as I returned home and could get the codes off the back. However, Bank of Americ took my limits from {$42000.00} and {$18000.00} and has put the limit now at {$500.00}. They have also refused to take away the 30 day late reporting to the credit bureau 's even though they know I tried to pay while traveling ( I have email confirmations with codes to try and attain access to online banking during this time but I had to have the three-digit codes ). 

I have asked for them to take away the 30-day late reporting, but they refused. I have asked to have my limits increased to their former amounts. They have declined the request two times now.

The result of these two things ( reporting a 30-day late payment and the decrease of nearly {$60000.00} in available credit has had a very negative impact on my overall credit rating at a time when I am attempting to attain financing on our home. 

Everyone I spoke with at BofA was sympathetic to the situation. They understood that I tried to make the payment but could not due to traveling. But they also said they were unable to do anything to help me. 

This is wrong. I can prove that I was trying to log in to pay the bill ( via these emails ) but was unable to. This is their system and their protocols which made it impossible for me to pay my bill but they are punishing me for it. I have had both of these cards for 20 years. I have never been 30 days late on them. But it counts for nothing.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged an inaccurate account status on my Trans Union report, and they did not perform a fair investigation. 

On XX/XX/2018, I challenged a report that an account with XXXX XXXX ( for XXXX XXXX ) in the Amount of {$110.00} was not paid. Ten days later, on XX/XX/2018, Trans Union closed my challenge, claiming that they had verified the information with the credit company. 

I can verify that I paid the XXXX XXXX bill in XXXX, and that the reported information is inaccurate. I do not believe that Trans Union performed any investigation whatsoever.

The Trans Union file number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act XXXX  account 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. A Consumer support agency can not furnish account without my written instructions.
Product: Mortgage

Lender had been placed policy cause of lapse make a payment by mortgage to home insurance I had made renewal on XX/XX/XXXX20 ahead of insurance expired XX/XX/XXXX20 also had informed mortgage for billing, amount and fax them a declaration page then on XX/XX/XXXX20 I had receive a call from insurance about the payment then I had directly call mortgage /insurance department and had them both on the line then they promised to make a payment then balance was added to my account for {$1500.00} on the next day as my understanding I had got all covered until I've receive final letter from mortgage on XX/XX/XXXX20 mention about my house wasn't have insurance cover then I had call insurance to get all it fixed then email mortgage a prove of previous policy as I wished I wouldn't have to pay for any extra then got balance of {$500.00} added to my account on XX/XX/XXXX20 for lapsed cover from mortgage then another {$150.00} on XX/XX/XXXX20 from my insurance cause of premium rate increased while the house is not insured then I call mortgage for several times and I had been speaking with several person for the charged and each person gave me difference reason until I was asked them to get it reveres also responsible for premium charged from insurance because I had handed all information to mortgage and they had promised to make a payment to insurance since we last confirmed so It shouldn't turned out by got me pay for all extra charge cause of delay of payment by mortgage, then I had mortgage review my request for twice its turned out a carriere fault the mortgage sent out a check on XX/XX/XXXX20 but it was delay on transit then insurance was cut on XX/XX/XXXX2020 because payment never received on time as promised and I never ever receive any notice before they had cut my house insure until I found out from mortgage on XX/XX/XXXX20 as a result of second review they should clearly see that was not my fault and of course not insurance fault as well then I was question to mortgage about follow up payment they should be ensure that the payment should be received before due date and also they should be aware about the insurance was already expired on XX/XX/XXXX20 which is mean they have not much time left before insure had cut before sent out a check as a regular mail on XX/XX/XXXX20 why not make overnight payment instead? 
the answer from mortgage is not as they fault and even though their had relied it was cause of unusual pandemic of covid-19 could delay the carrier as it took longer period of time for proceed a check to receiver and it was too late for insurance to keep house cover more than 30 days without payment and insurance they could not back date as we tried to asked them for help, also mortgage still charge me for {$500.00} whatever reason I had proved to them.
Product: Mortgage

To whom it may concern, I am inquiring about removing a few late payments off my credit report. During XX/XX/XXXX, I had XXXX XXXX XXXX XXXX causing me to miss work for 8 months or so, my I come was severely reduced causing me to fall behind on my mortgage payments. Thankfully, Ive resumed work and caught up on all my payments, paid every late fee and have been current without missing a payment for 8 months. Ive asked to have my lates removed due to the hardship I endured and as I stated, all payments were made and fees were paid. I was 30 days late on XX/XX/XXXX ( mo th I had my XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days in XX/XX/XXXX and XX/XX/XXXX .... since Ive made every payment on time and have never had an credit issue previously or after those dates. 
If you could please assist in clearing up my report due to the nature of my situation it would be greatly appreciated
Product: Checking or savings account

I had a credit card with Navy federal. They are now taking money out of my account towards the charge off before I can even pay my open accounts which is a personal loan and vehicle loan. When I asked for proof because they are not reporting the payments on my credit report for the charge offs they said I have to just take their word for it they do not issued proofs of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian on XXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. 
These are disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collections that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off and collection account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was closed and money came to the account now i I cant get to withdraw the money XXXX on XX/XX/year> it been for months the growing interest I want it to stop
Product: Credit reporting or other personal consumer reports

A dispute was submitted on XX/XX/year> and the investigation was completed XX/XX/year> ; and investigation results are not viewable or accessible online as TransUnion stated they would be.
Product: Debt collection

XXXX XXXX XXXX is charging me {$1000.00} and keeps reporting it every month. I told them that my phone was stolen and tried to keep contacting customer service to shut down my plan 3 years ago and would never listen to me. This occurred over 3 years ago but they keep reporting it and would not take any of my calls after numerous attempts to try to contact to fix this issue immediately. 

XXXX is charging me from XXXX XXXX of XXXX XXXX. I fell and hit my XXXX at XXXX XXXX because the floor was wet and hit on my XXXX   on marble countertop. They insisted on calling the ambulance and getting a XXXX. I tried to refuse but was forced to do so and have many fees associated with that including {$180.00} fee from the XXXX Department of a XXXX I never received! 

My ex, XXXX XXXX, opened up credit card accounts under my name during our relationship including numerous accounts with XXXX XXXX XXXX and drained all the money : {$670.00} {$950.00} XXXX XXXX XXXX with open balance of {$500.00}. I got a restraining  order  XXXX from my ex 5 years ago but the amount of fraud that took place during that relationship was detrimental to all my finances. Not only did he drain all my bank accounts that I saved for my tuition for school at the time ; he falsified my name on numerous credit cards and damaged my credit for years to come. For the past 5 years I have tried to speak with XXXX XXXX and XXXX XXXX XXXX XXXX   about this identity theft and they will not budge nor help me. I was recommended by financial analyst to come to the Bureau so that I can finally help improve my credit. 

I am looking to pursue my education and get my XXXX and want to move to do so. Growing up after my father passed, I wanted to be able to provide one day for my mom and at the age of XXXX I feel strongly about this desire. After working corporate and start ups for the past 7 years I feel that it is time to be able to finally accomplish this dream. I know it might not seem like a lot but these debts have been causing so many issues over the years and I want to be able to move forward and I don't feel right paying someone's debt who abused me financially and I was wondering what I could do next?
Product: Debt collection

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$270.00}, {$39000.00}, {$48000.00}, {$960.00}, {$8000.00}, {$19000.00}, {$390.00}, {$0.00}, {$12000.00}, {$8200.00}, {$25000.00}, {$16000.00}, {$71000.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$960.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT 11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- PERSONAL ACCOUNT 12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 13. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$71000.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Equifax and Transunion have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all  XXXX  credit reporting agencies and they have failed to provide requested information. According to FCR A 623 ( a ) ( 5 ) i f the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file.The United States Bankru ptcy Co  urts of   XXXX  DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported.     However,  XXXX , Equifax and  XXXX  actively searches public records for any judgments and tax liens through third party research.     A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research.     Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy  XXXX  and received a letter in return stating The Clerks office does not provide information to credit reporting agencies.     Equifax has mailed me an electronic signature of documents.  XXXX  has not provided any feedback on my request to validate public records.      XXXX  has not provided any feedback on my request to validate public records.     Please see my attached documents.
Product: Credit reporting or other personal consumer reports

I am writing regarding my account with your company, Account Number : XXXX has been marked as charged off. I am not disputing the account or its status ; however, I would like to request clarification and verification of the following details for my records : The date of the first delinquency on the account. The date of the last payment made on the account. The date the account was officially charged off. This information will assist me in maintaining accurate records and understanding the timeline associated with this account. Please provide this information in writing at your earliest convenience. If additional documentation or identification is required to process this request, feel free to contact me.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX  and experian on multiple occasions in regards to deleting inquires that I did not authorize and have not received a response. I did what they asked me and wrote a letter to the companies and havent received a response. It is the duty of transition and experian to remove hard inquires that were not authorized. I have been getting the run around since XXXX. I called to check on the status XX/XX/XXXX and XXXX the manager at XXXX  put me on hold and hung up the phone and never responded back this happens constantly and I can not get any answers from XXXX.
Product: Debt collection

please remove all accounts listed my information was compromised in a data breach.this has not been validated.
Product: Mortgage

Hello, my name is XXXX XXXX. This is part of complaint # XXXX. 
My complaint is actually regarding Ocwen and XXXX XXXX, Ocwen for slandering my credit since XXXX and preventing me from aquiring an auto loan, high insurance rates and lowered Fico score. Ocwen has offered no information regarding the source of the {$99000.00} debt that was reported as LATE on XXXX report and UNKNOWN payment status on another. XXXX account number ( XXXX I have never seen nor has any relation to a loan or credit card ) and XXXX reports ... XXXX for a credit card and XXXX for a real estate loan. I asked for the proof and received nothing except that this was acquired by another debt collector in XXXX. I want to know who the original creditor was and an explanation for this balance. I have damages from this, I did not scroll far enough down on my reports last year to view this unfortunately. 
I have no idea where they came up with a XXXX balance. I assume it has something to do with a deficiency balance, however, all was discharged in bankruptcy in XXXX. Also, I was never at any time aware of any {$99000.00} debt nor contacted at all. My property was in Arizona, it was a non judicial foreclosure and deficiencies are not allowed with the type of property I had. Ocwen had no business in this continuation of harm. Enough is enough and if they are doing this to me I think many people need to be warned so they can check their reports. Please stop these barnacles. 
I will file another complaint regarding XXXX XXXX, I think it is more efficient to separate them although they are related. Thank you.