23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year there are two debts on my credit report. One of XXXX and another of XXXX. This is not my activity. I can not get access to see what company is reporting this. There is also payments posted to these amounts. Creditor reported $ 1+? What can I do?
Product: Debt collection

I was supposedly charged by an ambulance company in XXXX CA. I never received any correspondence from a company called Grant Mercantile, XXXX. XXXX XXXX, XXXX, CA XXXX, who evidently was charged with the collection. I have never received a bill or charge from either company. I have not received anything ever from either company. Now I am trying to obtain a mortgage and this supposed debt is causing my stellar credit rating to be substandard. I have spoke numerous times today with a rep named XXXX. The last time I spoke with her today, she told me the computer was shut down, she could not speak with me. She said the office closed, that here computer was shut down, and the office lights were shut off. This was at XXXX PST. If you dont know what time that it, its XXXXPST. 

I was on the phone with my mortgage broker. It was infuriating. That this company, Grant Merchantile, can actually ruin a credit history I have spent a LIFETIME to keep pristine, and ALWAYS above 800, is insulting, and criminal. 
I would appreciate a call ASAP. This is unacceptable, and their license should be revoked. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX
Product: Checking or savings account

# # # Detailed Explanation of Chase Bank Account Restrictions I deposited funds from a legal settlement into my Chase account. After the deposit, Chase verified my identity in person at a branch, and I was able to successfully withdraw {$400000.00} via cashier 's check, demonstrating that Chase had verified both my identity and the legitimacy of my funds. 

However, Chase is now arbitrarily blocking much smaller transactions from the same account, including : - A {$9000.00} wire transfer to my verified Coinbase account - A {$200.00} payment for legal services related to estate planning ( will and testament ) This situation is particularly concerning because : 1. Chase has already allowed me to move a much larger sum ( {$400000.00} ) via cashier 's check 2. The account has no holds 3. They've verified my identity in person at a branch 4. These are legitimate transactions for legal services and personal investment 5. The source of funds is fully documented ( legal settlement ) 6. Chase has provided no explanation for blocking these smaller transactions When I attempt these smaller transactions, Chase simply denies them without providing any clear reason or documentation explaining their basis for the denials. This appears to be arbitrary and inconsistent enforcement of unstated policies, particularly given their previous approval of a much larger transaction. 

I have attempted to resolve this by : 1. Visiting Chase in person to verify my identity 2. Providing documentation about the source of funds 3. Requesting explanations for the restrictions 4. Attempting to process legitimate transactions through proper channels Despite these efforts, Chase continues to block my access to my own funds for legitimate purposes while providing no explanation or pathway to resolution. This is preventing me from : - Accessing legal services for estate planning - Managing my personal investments- Conducting normal banking activities I am requesting that Chase : 1. Remove these arbitrary restrictions immediately 2. Process my pending legitimate transactions 3. Provide written documentation explaining their basis for these restrictions 4. Explain why they allowed a {$400000.00} transaction but are blocking much smaller ones
Product: Debt collection

Chase Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX in New Mexico. The account was late in XXXX of 2020. 

During COVID-19, the industry standard has been to either remove late payments during the pandemic or to update the item to reflect " affected by natural disaster ''. 

I disputed this as such for XXXX and the item remains unchanged. Why is this one credit union discriminating in this national disaster? 

CFPB should publish this on consumerfinance.gov. An entire population is creating an artificial lowering of the average scores in the country because of individual companies who refuse to help consumers during this time of national need.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I would like help from the CFPB to have Suntrust Mortgage refund the fees paid to process a refinance of my current mortgage. 
My current mortgage lender is SunTrust and this loan is recorded in our family trust. While shopping for a refinance, on XXXX separate recorded phone calls the Suntrust loan officer assured me if I refinanced with SunTrust the new loan could be recorded in the existing family trust. After submitting my documents ( including the family trust ) and getting pre- approval, I was charged a {$540.00} appraisal fee and a {$14.00} credit report fee. 
After these fees were paid I was notified that Suntrust would not record the refinance into the family trust as previously promised. I was given two options : 1. Record the new loan in my name, re-record it in my County to the Family Trust and pay a lawyer to amend the trust. 2. Change the family trust to meet their requirements but they claimed they could not disclose to me what those requirements are. 
On XX/XX/2016 I requested a refund of the fees already paid because I believe Suntrust acted in bad faith. They were aware from the beginning that keeping the new loan in the family trust was an essential factor in my decision to select Suntrust for the refinance. My current Suntrust Mortgage is recorded in the same family trust so there was no reason to suspect they would not/could not record the new loan to the trust.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$690.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including 8 critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit reporting or other personal consumer reports

I contacted XXXX and Transunion by certified mail indicating that an old derogatory account with XXXX XXXX XXXX XXXX was not only inaccurate but also outdated. The accounts should have been removed as it exceeds the statue of limitations, and both are reporting inaccurately. 

On Transunion the account is listed as a chargeoff last active XXXX is a XXXX XXXX XXXX XXXX account XXXX 

On XXXX the account is reporting as derogatory with last date of activity as XX/XX/2017. This is a XXXX XXXX XXXX XXXX account.
Product: Credit card or prepaid card

I have two Bank of America credit cards. Two weeks ago we noticed we had not received a statement from our Merrill Lynch card through Bank of America. In contacting them I found out that they had switched it to electronic billing. I had received no notice of this change or had I requested it. So now I had late fees and finance charges. The past two days I tried to use another credit card from Bank of America and it was not accepted. Again in calling Bank of America I was told my card was locked since I was two months behind on payments. I stated that I had not received a statement. I was told that the account was on electronic billing. Again there was no notice of this billing change and I had not requested it. Once again I have late fees and finance charges. I pay off my credit cards in full every month without fail. I was told that they could see that I had an excellent credit history. I was told if I made a payment by phone right then they would unlock my credit card and remove the late fee, but I am still looking at finance charges This has also affected my credit score as  well. I have heard from numerous other people that they have had this same problem with Bank of America. It appears that they have found a way to make extra money by switching people to electronic billing without giving notice and collecting late fees and finance charges for several months before it is found out.
Product: Credit card or prepaid card

i am a victim of identitytheft/fraud and impersonation as well as a victimof sim swapping/XXXX to a extreme degree all of my accounts online and offline have been compromised and there is suspicious/fraudelent activity amongst them all to which i reported it several times to police, ftc, id, gov etc and have those report numbers. I have been calling citi bank custom cash about this ongoing problem for over the past 6 months on XXXX i spoke with citi amongst several other times beforeand after that and have repeatedly requested my statements to be resent to me as well as the suspicious activity. i got a few statements but my mail is also being tampered with to where i have had to report mail theft as well with the usps. and i am missing XXXX of XXXX that seems to be when all my credit cards were maxed out and im not recieving any of those statements for those times across the board. anyways i have always made ontime payments and have never been late. to where the statements i do have have the wrong payment dates from auto pay. i have always had autopay from my bank. in which the reference numbers on my bank statements in comparison the citibank ones that I do have do not match.i have never transferred balances, taken cash out, used my rewards, added a XXXX account, card, or user ever. to where on my statement i reported that on my rewards is has a ladys name XXXX XXXX in which i brought that up less than 1-2 weeks ago and have no clue who that is when i spoke with citi and got the runaround, was transferred two times and still wasnt able to report the full extent of the suspicious activity nor was given the right number to talk with customer service nor the rewards department as well as them not given me the address to citi. i sent out a dispute letter on XX/XX/23 to citi stating some of this as well as to cancel my card issue me another to double check that my name and address are all correct, limit sharing, and to make sure there is only 1 card 1 account with only 1 me the user as well as all statements and correspondences pertaining to myself, my social, my address, my name with the middle intial the full middle name or without to be sent to me. so that i may go over them in order to give ALL accurate transactions that are not mine. i reported the suspicious activity with wells fargo as well to which they forcibly closed my account. where i believe they have knowledge of all this fraudelent activity that is coming out of their bank that pertains to my account to which come to find out i dont even have primary control over my account which is XXXX and they gaslightme when i dont have anyone as a user etc on ANY of my banking accounts ever with proof even and they took away access to my own account. my mom is on my electric bill and car insurance /lot rent agreement as a authorized user and thats it.
Product: Student loan

I filed an Income-Driven Repayment Plans on studentaid.gov for Nelnet and linked my IRS tax information per requested. I also printed a PDF files application along with IRS transcript tax information on Nelnet 's webpage. Nelnet emailed asking for proof of incomes and I have provided W2 and IRS transcript on their website and emailed. Nelnet send a physical letter saying they need the most income information such as paystub and W2 or transcript is not a proof of income. Now my account is on hold and I'm force to make the payment that is not under Income-Driven Repayment Plans. 

Nelnet is very misleading in their languages and requirements for additional proof of incomes. Other lenders such as XXXX and XXXX accept tax transcripts, W2 as proof of income. According to the studentaid.gov website, these documents from Internal Revenue Services itself and W2 is a proof of incomes. 

Nelnet is misleading their lenders and making the process for Income-Driven Repayment Plan confusing and complicated in what consider proof of incomes. This should be a standard practice like any other lenders as well as federal governments.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against REGIONAL ACCEPTANCE CORP for violating a cease and desist notice they received XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a Cease-and-Desist notice, Exhibit A which is a copy of the account reporting on my XXXX consumer report, Exhibit B which is a copy of the account reporting on my XXXX consumer report and a pdf of an FTC report that will be labeled as Exhibit C when filing litigation in Federal Court to this complaint . There is no statute of limitation on fraud because I never contracted with them and they have no reason to have my identifying information. Also Pursuant 15 USC 1692g ( c ), I have not validated any alleged debt with REGIONAL ACCEPTANCE CORP and my failure to dispute the validity of these alleged debt shall not construct as an admission of liability. As of XXXX XXXX I have not received any documentary evidence, such as a trilateral contract, giving REGIONAL ACCEPTANCE CORP any right to collect on this alleged debt. It is my belief that REGIONAL ACCEPTANCE CORP are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from REGIONAL ACCEPTANCE CORP before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If REGIONAL ACCEPTANCE CORP can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report, this has been a fraudulent furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
Product: Debt collection

My dad was diagnosed with terminal XXXX on XX/XX/21. I called following the first payment on a debt to ask for two deferred payments to free up funds to be able to see my dad ( who lives 3,000 miles away ) and help my mom with some of the costs associated with my father 's illness. I was told until 6 months that no assistance can be offered on their loans for any reason including COVID, which goes directly against the protections offered at this time. I was also told that Discover charges off debts at 120 days and would rather allow debts to charge off than assist someone in a time of need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Organization I work for has had a credit card account with American Express for over XXXX years. When the account " owner '' passed away, AMEX said we had to transfer the account to another officer or board member. I have had personal credit issues and inquired multiple times what would happen if the transfer was denied because of my personal credit. And I was told multiple times that any denial would be sent to my home address and not to someone else at my place of employment. 

AMEX sent an explanation of denial to my work so others became aware. 

I spoke with XXXX, a supervisor at XXXX, on multiple occasions in late XX/XX/2021. XXXX acknowledged I asked multiple times and was told multiple times that any of my personal financial history would not be shared with my employer. And XXXX acknowledged that it was done. 

I asked for four things to help fix the matter : 1 : send a replacement letter to my employer, telling them the letter was sent in error ; 2 : a letter to me with an apology for their acknowledged error ; 3 : a copy of the call transcripts ; 4 ; some financial recourse for the damage AMEX did to me XXXX said no to all four requests even though he said, " I agree. We made an error. '' All he told me over and over was " I'm really sorry. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX account number XXXX, which has been charge off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

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

Complaint Letter to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX XXXX Iowa XXXX XXXX : Complaint Against Experian for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 
I previously disputed an account ( [ XXXX account # XXXX on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Experian within the required XXXX business days. 
This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted Experian regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that Experian complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Checking or savings account

fraudulent withdrawl that chase refuse to fix please refund the XXXX unauthorized FDIC will be filed if not fixed will File FTC violations also if need to
Product: Credit reporting or other personal consumer reports

I just receive a update from experian. They are illegally submitting information to the credit bureau. They said the loan open in XX/XX/year> but are only showing the c/o and not the actually payments supporting me paying all those years on time. According to the FRCA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected. And Im also entitled to {$1000.00} per violation. This is my last request before I seek lawyer for lawsuit.
Product: Vehicle loan or lease

The vehicle that I am purchasing, is finance through Tidewater. It is under a recall, on the engines The vehicle was towed to the dealership where i purchased it. The dealership stated that they could not look at the vehicle for three months and they did not know when it will be fixed. I reached out to all the four dealerships that service the vehicle and they stated the same. They also said they don't have any loaners available. It has been going on four months. They state that they are overwhelmed and can't do any better. I call every day and they say the same thing. I have explained this to Tidewater, but they still say it does not matter, I have to continue paying on a car that I do not have or use. I don't have anything to drive and don't know when or if I'll have something to drive. I want to work something out where my credit doesn't get bad for none payments, but it doesn't make sense to make a XXXX payment every month, on a XXXX XXXX XXXX that you can not drive. If Tidewater could work out something with me until or if I get a car back, or even if I can get a loaner, it would be helpful to me. I am a senior and this is very difficult with no transportation, but paying for one.