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

As of XX/XX/XXXX my Chase checking account was closed and removed from my online profile. From some information I was able to get from a customer service rep I was told the process started on XX/XX/2021. I only learned about the closure from logging into my account and seeing it had vanished from the list of accounts. Since then Chase has been no help whatsoever about reasoning of the closure or any info, other than they have the right to do it and no new accounts will be allowed. 

Two other items to note - 1 ) I used this checking account strictly to receive ACH transfers from XXXX for items I sell. My main checking/savings is through a local credit union. Once the funds were deposited into my Chase account I would transfer them to my main accounts. I did this because my local credit union was not listed on the XXXX XXXX verification system and repeatedly had issues getting them to deposit. Once I opened the Chase account and was able to use the XXXX system I had no issues for over a year. 

2 ) I also had two lines of credit ( totaling around $ 30K ) with Chase which have both been closed now. The answer that I got from the credit side of Chase was that it had nothing to do with the way I managed the credit cards, the decision to close was based on a decision from the retail side but all my business with Chase will be closed. Since the only item I have on the retail side was the checking account I can only assume this checking account is what they're referring to. 

Since the closures of my credit accounts and now checking accounts I have reached out to Chase multiple times trying to get info and see about the possibility of a review etc. which has been met with closed ears. Only being told that they can not disclose the reasoning and that Chase has the right to close any account at any time as they see fit. 

From what I have read from other consumers through various online platforms this has happened to countless people and the same result, no info or explanation provided by Chase. It seems a decision is made by an algorithm or automated process if it doesn't like your banking practices or thinks something nefarious is happening. My own deduction is that something was triggered because of the way I used the account to receive my XXXX ACH transfers and then transferred to my local credit union account.
Product: Debt collection

Midland credit on behalf of XXXX claims I owe them {$2700.00} XXXX which is ridiculous. and now it's on my credit. This is not my charge and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX denying the existence of my request to enter forebearance during the forebearance window. 

XXXX unable to provide statistical proof that they have a 100 % success rating with the health of their forebearance process and that there's absolutely 0 % chance that their system could have an error.
Product: Money transfer, virtual currency, or money service

The company is Robinhood, they put a restriction on my account after I tried to contact customer support multiple times to get an answer about my deposits. I had a deficit which was caused by my paycheck being late. I covered the deficit, they took the money out of my account but it still shows as pending on the Robinhood app, today they restricted my account and asked for my Id to confirm my identity. After I submitted my documents they have limited my account, I cant buy more positions or transfer my assets out of the brokerage. They only allow me to sell my assets but I do not have access to the funds. I believe this is retaliation from customer service chats where I expressed how bad their customer service is. 
XXXX XXXX XXXX XXXX, I lost my job a few years ago and finally found a new job and have been saving using Robinhood. Its a relatively small amount but it all I have in savings and this is very frustrating. I read online that they have withheld many peoples money for long periods of time and I cant afford that. 

Based on what I read online the only way to avoid Robinhood to lock my account is to file a complaint. I will close my account after this is resolved but I need to have access to my money. They asked for bank statements and my ID and eventually my ssn. It has all been sent. They called me immediately after submitting the documents, it was an automatic call from them, no human ever answered the phone and they just left me on hold with music for 15 minutes so I hung up, as soon as I hung up I got a notification saying they tried calling me but I didnt pick up, I have the call registered and the wait time. After that they have kept the restriction on my account even tho I have submitted everything they asked and Im afraid I will lose my money.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Chase in regards to my Chase Sapphire Preferred Card that was past due by 30 days. It had come to my attention via an email that was sent on XX/XX/XXXX. I was not aware of a payment due as this account is on autopay and this card was not active for over a year. At the time I received this email, I was traveling internationally and did not have access to my phone/email/data. I was able to finally make a phone call on XX/XX/XXXX, 1 day past the supposed 30 days. After speaking with a customer service representative, the charge was {$95.00} for an annual fee. The current bank account on file was no longer valid and resulted in a late payment. I was under the impression that my account would be fine as long as I made a payment when I returned to the States. I wanted to pay that day but was was unable to make a payment since they needed a routing and checking numbers and I did not have them due to travel. 

I had received an alert from XXXX  saying that my credit score dropped 66 points due to 1 missed payment in 14 years. I proceeded to call Chase today, Monday XX/XX/XXXX to resolve this issue. I have an excellent repayment record since XX/XX/XXXX and because of this one late payment, it reflects poorly on my creditworthiness. Chase told me that there was nothing they could do not report a change even though I paid to settle the account. I was not not given an opportunity to settle this before it was reported to the credit bureau. My account does not have an outstanding balance of thousands of dollars or was late in the past. Its frustrating that I wasnt given the opportunity to remedy this situation as a loyal customer before being reported. Chase proceeded to tell me that I had been notified by email and by mail. I had received one email on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

LCI Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear LCI Global Consumer Center, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXXBalance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original creditor : CXXXX  ) XXXX Balance : {$73.00} ; XXXX SELF-REPORTED ( Original creditor : XXXX XXXX XXXXBalance : {$20.00} ; XXXX SELF-REPORTED ( Original creditor : XXXX XXXX XXXXXXXX Balance : {$1100.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX XXXX XXXXXXXX Balance : {$250.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX XXXX XXXX Balance : {$40.00} ; XXXX XXXX XXXX XXXX Originalcreditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} ; XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Balance : {$1300.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XXXX XXXX.
Product: Debt collection

Good afternoon, My name is XXXX XXXX. I am receiving constant emails from a XXXX XXXX constantly harassing me over a debt they say i owe to Ace Cash Express. I have called the company and they say that i do not owe any debt. I have received SEVERAL threatening emails from XXXX and his associates regarding this debt. They are using abusive language and threatening jail time. I have explained that this debt is not owed according to the confirmation number i received from Ace. # XXXX. 

Please help me clarify if i still need to pay this already settled debt as i am having severe mental distress over this situation. 

Respectfully, XXXX XXXX
Product: Mortgage

I refinanced my home with XXXX XXXX. I was charged XXXX % ( XXXX Point ) to reduce my rate. This should appear om my year end mortgage interest statement XXXX. I have called Loan Depot multiple times to try and resolve this waiting on hold for hours ( cumulatively ). They refuse to correct this error. They keep giving me the excuse this was paid to my " title Insurance company ''. This is a lie. I just want a corrected XXXX that reflects the points I paid.
Product: Debt collection

I was a victim of bank fraud and was unable to make any payments on any accounts for several months. I never received notification that this debt was going to collections until it hit my credit report. I immediately contacted XXXX to make the payment because it was finally resolved through my bank. XXXX stated on that call that they would remove the debt from the collection agency. the agency is telling me that they can not remove ( delete ) the negative collection report from my credit report.
Product: Payday loan, title loan, or personal loan

XX/XX/2021 I noticed I had been charged twice by SST so I called. While on the phone I was told I was being charged for a missed payment, but Im the past missed payments were tacked on to the end of my loan. I originally signed for this loan with XXXX XXXX XXXX and sometime last year I was notified SST took over. Now my payment arrangement with XXXX was twice a month and I had been doing that for a couple years now and today Im being told by an SST employee I have late fees and I need to change my due date. I have an issue because they have been harassing me by calling all hours of the day every day without leaving a voicemail in regards to the nature of their call. So I asked while I had someone on the phone why they do that and his response was we dont always leave messages, I explained to him how I felt I was being harassed because I have no clue who these individuals claim to be no correspondence and Im being charged late fees and my account is being charged twice in one day. I dont have the means to have my money taken from me thats why my payment was split which was an agreed upon method with my original creditor. What can be done about this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I have contacted XXXX and Transunion requesting verification in regards to the accounts that are listed in an open status. { XXXX and XXXX XXXX } My report has since been updated with the current year showing the accounts are still showing open. The company that they are getting the information from is reporting inaccurate information.
Product: Credit reporting

Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX TransunionXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out regarding the measures that are calculated to factor consumer credit reports and scores. I don't understand how I can use my credit card today within 72 hours charges appear on my credit reports. In the same instance if I make a payment or pay down my credit card balances significantly, it's not reported until after 4 or 5 days past the billing cycle.

How is it possible to have a system that is so flawed that it penalizes every consumer that utilizes their credit limits instantly. If the same consumer pays down their balance the information isn't reported until almost a month later! 

What is the system designed to penalize Americans rather than strengthen the economy by reporting true and accurate information. It makes no sense to have as many different scoring modules when attempted to utilize your credit worthiness. Shame on these companies that you operate credit worthiness in this manner while in the same breath you sell information to companies without permission. This greed in America is ridiculous and as a consumer I am sick and tired of it!!!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX Amount XXXX Open XX/XX/19 Fraudulent account just received first collection letter in mail on XX/XX/2019 from XXXX  This account from XXXX was handled by a different company and has been paid up to date already I talk to XXXX they said they never sent account to XXXX  XXXX  they dont no how they got this account because account it paid and aargon is fraudulent
Product: Mortgage

My loan was taken over by Vanderbilt in XX/XX/XXXX During the transition, it was unclear how to make a payment, so the XXXX payment was made online through their portal on XX/XX/XXXX. On XX/XX/XXXX, XXXX reversed the payment and charged a late fee. I called on XX/XX/XXXX and payed up through the XXXX payment ( 3 months payment ) via check over the phone. A partial payment before the XXXX due date was made through the online portal on XX/XX/XXXX and accepted. On XX/XX/XXXX, they reversed the payment. On XX/XX/XXXX, the full amount due for XXXX was paid using a different bank through their online portal. A call was made after the payment was accepted to verify it went through and the account was credited, and everything was confirmed by Vanderbilt. I received the XXXX payment statement on XX/XX/XXXX showing the account was current and the XXXX payment was processed. On XX/XX/XXXX, Vanderbilt reversed the payment and will no longer accept payments online. There was never an overdraft issue. 
All bank information has been verified with the banks and Vanderbilt refuses to accept payments and blames the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like they ignored my prior requests for an investigation. I asked them to Please confirm how this account is showing as open when it is actually closed otherwise I will have to ask you to explain how it is reporting as accurate. 
XXXX XXXX  XXXX Account Number : XXXX If you are unable to verify the information that is contained in this account, then you are required to delete the account. 
also I get a copy of my credit report and found the following item ( s ) to be in error : Previous Address ( es )
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Email Address : XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602. A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update & REMOVE this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

In XXXX 2016, I opened a checking account with Fifth Third bank. Once the account was setup, I used the mobile deposit app on my smartphone to deposit XXXX money orders. A few days later, I lost online access and I received a letter in the mail stating that the Money Orders were fraudulent. 

I was able to deposit the same money orders with XXXX XXXX XXXX. 

Earlier this month, I applied for a Fifth Third Credit card and was approved. I wanted to have online access to the account so I can manage the account and pay online. Security & Fraud department of Fifth Third Bank would not allow me to have access online because my account is locked because of the issue above with the Money Orders. 

I was told to contact my local branch and they might be able to request an over ride with the Fraud Department. Local bank requested they need to contact XXXX XXXX to verify the Money Orders are valid. XXXX XXXX said Fifth Third Bank needs to make a conference call with me on the line. 

I have not heard from Fifth Third Bank regarding the conference call with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter disputing the inaccurate data for this account and no response. This for account number XXXX
Product: Credit reporting or other personal consumer reports

I closed my account at US Bank XX/XX/XXXX and moved out XXXX. Auto payment of mortgage to be canceled as I had set up bill pay of mortgage through existing BofA acct. US Bank then debited closed account and overdrew it XX/XX/XXXX even though I had paid it for XXXX from XXXX. Received notice and saw branch manager XXXX XXXX XXXX XX/XX/XXXX who reversed NSF fee and confirmed payment. Mortgage statement in hand and provided here showed double payment in XXXX which they applied to XXXX and XX/XX/XXXX so I canceled XXXX payment. Did not know or was advised until recent that USBank was also again trying to debit US Bank acct ( provided activity ) & stated no funds but account was closed! I made XX/XX/XXXX payment early XXXX from XXXX but received call from US Bank XXXX XXXX and she said XXXX payment from US Bank did not go through so I paid it over the phone conf # XXXX but then on XXXX received another call saying possibly account number I provided was incorrect or representative imputed it incorrectly os I provided it again and was told then as well as on XXXX that the late fee would be reversed due to the confusion and that the mortgage was paid up, there would be no late reporting as that was my main concern as I have never had a late mortgage payment t in over 25 years and my credit scores were over 800. I was assured that that would be honored. Several months later I received a letter from XXXX that my personal information was compromised so I ordered my credit reports and saw that US Bank went against their word and did indeed report me on XXXX dropping my credit score from XXXX to XXXX per XXXX. I went to US Bank and spoke to same manager XXXX XXXX and he later contacted a manager the following day and the center said they would not reverse it.. I have sent letters to all XXXX bureaus, office of XXXX of US Bank and their internal mortgage dispute center and still have not had resolution. Per documentation provided, this is a blatant mortgage reporting error on US Bank ad I never received any calls or notices other than the mail and the calls I received in XXXX of which I immediately called the bank as well as went to the bank to resolve. Their mortgage statements also reflected inaccurate information which led me to believe that the issue I. may was resolved in XXXX.