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

3 checks were deposited into my checking account- not credit card account. 1. XX/XX/XXXX for {$6500.00}. Chase Bank released the funds the funds in a couple of days to have it bounce back 26 days later due to a " bad routing number ''. 2. Checks deposited on XX/XX/XXXX for {$5000.00} and {$3200.00}. Chase Bank held those checks for 12 business days and released the funds. Those two came back 28 and 29 days later stating " fictitious accounts ''. ALL 3 checks were written from the exact same account from XXXX XXXX. FDIC closed XXXX XXXX XX/XX/2010. Chase states I owe them and I have to take out a loan to pay for immediately for face consequences. I have filed police reports locally and with the FBI and found the person responsible. I have contacted Chase corporate several times in this matter and I'm treated like a felon, not a victim. I have left messages and no one returns my calls. I have a case number and phone of the Detective on my case ( which is a felony ) and chase won't return my calls. This same individual who wrote the bad checks also stole my debit card and I have asked for updates on that as well. Still no response. Why would a bank clear not 1 but 3 checks on a debit account to wait a month later to have them returned? One would think in this age of computers that a system as sophisticated as Chase Banking would be aware of a bad routing number in minutes of a check being deposited, not weeks later. Per Chase 's request, I went into my local branch, closed the fraudulent account and opened a new account. Chase has now frozen both accounts and failed to let me know why. Isn't that against policy when a financial institution closes a good account without letting that person know? As a customer, I relied upon the professionalism and safety of my banking institution to protect myself from issues like this. I believe Chase is at fault for not having protocols in place to protect the consumer.
Product: Checking or savings account

I had observed some fraud on my account and went to the bank to see about stopping it. I asked to change accounts and get a new one. They denied my request. They said they were closing my account without my consent. They said I would have access for another 30 days and after that it would be gone. I tried to look at transactions and can not gain access to my account. I therefore can not complete my IRS income taxes based on my finances and payment transactions I made in all of XXXX. And will need XXXX transactions also.
Product: Mortgage

We have a VA loan and our servicer is XXXX. Our property is in Maryland and currently being used as a rental property, we occupied it for 2 years and got XXXX XXXX elsewhere. We intend to reoccupy the property in 2 years when we get sent back to the area. 

We were in forbearance last year due to the COVID-19 pandemic and our renter who stopped paying rent. We were unable to evict, due to restrictions at that time. We were in forbearance until XXXX of this year, when the tenants lease was up and they vacated the premises. 

We were told from XXXX representatives all last year that with the VA loan, we just needed to modify the loan to roll the missed payments into the end of the loan. We have several recorded phone calls stored of different representatives telling us the same thing in that regard. 

We called XXXX in XXXX to get the account back in good standing. The representative told us to make a payment in XXXX and they would send us paperwork for remodification of the loan. We have proof that we made a payment on time. A week later we got a letter saying our account was in default and on XX/XX/20 the foreclosure process would be started. 

We have called every day for the last XXXX XXXX weeks, since receiving the letter, to get this resolved. One representative admitted that someone had screwed up on their end and the account should have never left loss mitigation. We have a recorded call of that representative telling us it should have never gone to default. They then told us it would take 2 days to get transferred back over to the loss mitigation department. It has been XXXX XXXX weeks since that phone call. We have called daily and we have been taken through the ringer with the same excuses itll be two days. Most recently, this week, the new excuse is our systems are down, we will call you back today. And nobody ever calls. 

With a default hitting our credit scores, they will plummet and we will risk losing certain clearances within our jobs. This is unacceptable and XXXX is directly responsible. We are now looking into contacting the VA loan representatives ourselves to cover ourselves, in addition to retaining an attorney for their colossal screw up. We have given them ample time to correct their mistake and they continue to push us off with a looming default and foreclosure, despite us making a payment and trying to get our loan remodified to end the forbearance process. 

Certain restrictions came out within the last year when the pandemic hit, to protect homeowners from companies that would seek to further ruin their assets and protect homeowners from foreclosure when they could not make payments. XXXX has proven to be a company that does not take those restrictions seriously, with this military family, by not taking the appropriate steps to correct their mistakes on putting us in default - something that should not have been an option on their end.
Product: Credit reporting or other personal consumer reports

This account has a late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you, but this is incomplete it does not have the month in question, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my Account XXXX # XXXX ( CLOSED )
Product: Debt collection

THIS COMPANY HAS REPEATEDLY CALLED ME FROM DIFFERENT NUMBERS ALL HOURS OF THE DAY AND NIGHT. I PINGED THERE IP ADDRESS ON THEIR SERVER AND IT IS COMING FROM THEM IN VIRGINIA. IM AM EXHAUSTED WITH THIS COMPANY. THEY ARE PAST THE STATUE OF LIMITATIONS IN MARYLAND AND CAN NOT COLLECT BY LEGAL MEANS. THIS ACCOUNT IS POSTED TO MY CREDIT ACCOUNT AS OPEN ON MY ACCOUNT AND IT SHOULD BE CLOSED.I HAVE MAILED THEM A CEASE AND DISIST VIA US CERTIFIED MAIL, FOR {$6.00} I WILL SEEK A LEGAL REMEDY FROM THIS PREDATORY LENDER.
Product: Money transfer, virtual currency, or money service

Charles Schwab, transfer funds to XXXX XXXX XXXX XXXX on XX/XX/year>. I have been going back and forth with both Company 's and both company have blame one another. XXXX XXXX XXXX XXXX did the investigation and when Charles Schwab transfer the money to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Decline the Money transfer due to the XXXX XXXX XXXX XXXX account was canceled. This issue has been going on since XX/XX/year> I am requesting for Charles Schwab to please place the funds back into the Charles Schwab checking account. please help me this has been to long and also spec compensation for not having access to my funds. 

Contact Person for Charles SchabXXXX XXXX XXXX - Senior Manager Complaints Risk Management. 

Contact Person for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Chief Risk Officer
Product: Credit card

I had a dental procedure in XXXX of XXXX and was given Care Credit as an option to pay the {$3200.00}. I was quite out of it XXXX. I realize now that I should not have agreed to any financial plans while fuzzy. However the dental office staff did n't give me much info and made it seem like a very standard way to pay. I was offered either a no interest plan if paid by a certain date and a fixed payment plan with interest. I 'm not even sure which plan I chose. Probably the one with the lower payment as I was financially strapped after a lay off. I 'm not sure if I signed anything. My monthly payment started at $ XXXX/mth and soon went up to $ XXXX/mth. I lost another job soon after the this but kept up with payments while receiving unemployment. Since that time I have become unable to work and have no income. My family income is down as well due to the poor economy. I have applied for XXXX but that could take a year or more. By his time GE Capital/Care Credit had changed to XXXX Bank and then to Synchrony Bank.I asked them repeatedly throughout XXXX - XXXX to modify my payments ( lower monthly payments with longer term ). I was told nothing could be done. I kept up with payments until XXXX of this year then started falling behind. Then this XXXX of this year during XXXX of the multiple daily calls from them I mentioned that if I went bankrupt they might not get anything. Suddenly I was transferred to a department who told me " they would " be happy to work out a payment plan for me. '' I was offered a new arrangement of $ XXXX/month with no interest and removal of all late fees. I said that would be great but they said I had to accept the new plan over the phone right then. I said I needed something in writing. ( They had been somewhat deceptive so far ) I was told I could only get something in writing AFTER I accepted the new plan. ( What kind of business practice is that??? ) I said " just send me an email with a few bullets descibing the new arrangement. '' They would not. I did n't know what to do. They gave my account over to a collection firm who have been relentless in calling me day and night, Sundays and holidays. Finally I thought maybe if I speak to the collection firm ( XXXX ) they may be able to offer me a payment plan AND give me something in writing. So I called them. They were able to offer me a plan that sounded similar - $ XXXX/mth for 48 mnths. This sounded OK until I did the math. If I make 48 payments of {$37.00} it equals {$1700.00}. My XXXX statement shows my new balance to be {$1600.00} ( which I believe includes interest and late fees ) and my promotional balance to be $ {$1300.00}. I just want to make a payment plan that is fair to payoff this debt ; {$25.00} - {$35.00} per month that adds up to a fair amount that I owe them with no interest and removal of interest and late fees as promised, from at least this year but really from XXXX when I first contacted them for a new arrangement.
Product: Student loan

So I recertified my income driven repayment plan in XX/XX/XXXX as always. It was repaye. However, since I had gotten married in XX/XX/XXXX I was worried about my monthly payment increasing. After some research I decided that it would be best to switch my repayment plan from repaye to paye as I had planned on filing married but separate next year. So after 2 phone calls to navient I finally got the application completed that stated I want switch repayment plans ( which later a navient supervisor XXXX said I filled out perfect ). Almost a month goes by and my plan doesnt change. So I call in and the rep is dumbfounded. She talks to processing and they say I need to fill out another application but pick recalculate instead of change my repayment plan even tho I want to change my plan. I wasnt gon na do it just wait til recertification but then I figured Id do it and avoid the headache. So I do it and wait. In meantime tax deadline is coming so my wife and I file married but separate as planned. Check navient and still on the same repaye plan despite reps making note that I want switched to paye. So I call navient again and explain everything and the rep refuses to understand that I want to switch to paye so that my wifes income is not accounted into my monthly payment. She even put me on hold to look up the difference in the plans! Then tried to explain interest benefits and I got frustrated and asked for a supervisor. When finally transferred XXXX reviewed my case, said my initial change plan app should have been accepted. However since they mislead me and me fill out the recalculate app I had to yet again fill out a change my plan app. This XXXX me off because I was forced to use and upload a tax return that I did not want to yet, I wanted to switch plans with my single income then recertify under paye married but separate. I am still awaiting for the switch. Ridiculous. Also their staff should know the plans I shouldnt have to give references when I call. Amateur hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account that's appearing on my profile by XXXX XXXX XXXX XXXX in the amount of {$1400.00} is not mine and i do not have an account or contract with this company. Transunion is repeatedly reporting this account as accurate when the above account does not exist, matching addresses is not validation of an account.
Product: Credit reporting or other personal consumer reports

Recently review a copy of my credit report and noticed I have fraudulent charges on my credit report please remove accounts from my report they heard my ability to obtain credit
Product: Debt collection

I have a property in the State of North Carolina that Ocwen is attempting to foreclose on, but NC General Statute requires that the FDCPA debt letter be mailed WITHIN 30 days of the date of the original notice of foreclosure. The date of the original date of foreclosure was XXXX XXXX, 2011. I recently filed a complaint with this office stating that the appointed trustee never mailed the letter, but counsel for Ocwen responded by sharing a letter dated XXXX XXXX, 2011. This letter was not within 30 days of the date of notice and therefore, I was never provided FDCPA letter within 30 days of the notice of foreclosure as required by NCGS 45-21-16 ( c ) ( 5a ). The dates are clear and as stated Ocwen and its predecessors did not follow the law and provide the required 30 day FDCPA letter in accordance to law. Owen 's XXXX XXXX, 2011 was pre-mature, outside the 30 days and contained foreclosure fees that were not yet due. Ocwen must give us the opportunity that it gives everyone else when the full foreclosure process is not followed in accordance to law.
Product: Credit reporting or other personal consumer reports

I am an individual who has avoided debt up to this point in my life. I am now applying for a mortgage, ( starting about XX/XX/year> ) and all three credit bureas ( or at least whichever one the bank talks to ) insist that my credit score is frozen or suppressed. I would like to lodge this complaint against all three ( Equifax, XXXX, and XXXX ), as I have attempted to call their customer service lines, only to politely be told to create an online account, or for the answering robots to break and stop registering my attempted responses to questions. 

I created an online account for XXXX around XX/XX/XXXX, and there was no indication of a freeze or hold on my account. I attempted to make an account with Equifax today, XX/XX/year>, and got an error that their servers could not be reached. See attached error screenshot. I feel as though I am running out of avenues to contact an employee or automated system that will help, and I am trying to close on a house XX/XX/XXXX, so we need the credit reports long before that for the bank.
Product: Debt collection

This is concerning a debt I found on my credit report last XXXX ( attached ). I tracked down this debt as a bill from a joint account before I filed and went through an ugly divorce in XX/XX/XXXX. There are XXXX anomalies on my credit report concerning this debt. I attempted to resolve this debt in XX/XX/XXXX when I started a debt management program with XXXX and was unable to locate the owner of this account. I have not received any written correspondence regarding this account save the return of the letters I 've written this year. ( I received almost no mail in XX/XX/XXXX due to it being forwarded by the person with a XXXX I was divorcing ). I have tried calling this creditor at least XXXX times last year - leaving messages that were ignored, and wrote letters on XXXX XXXX, XXXX XXXX, and XXXX XXXX of this year trying to resolve discrepancies on my credit report regarding this debt. With each letter I included a check for the full amount beyond the discrepancies. Each of my letters and checks were returned without any response save an enclosed sheet with their address on it ( attached ). The XXXX discrepancies I need addressed are : * ( 6 monthly payments of {$94.00} from XXXX not deducted from the balance principle. 
*A difference of {$340.00} between the amount claimed I owe you and the high balance of the card listed.
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX for my personal information meaning my name and address has 3 different names and addresses that need to be deleted please. I only have one name and one address.
Product: Credit reporting or other personal consumer reports

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TRANSUNION XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies TRANSUNION and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TRANSUNION, XXXX, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TRANSUNION and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX XXXX reporting services. XXXX XXXX XXXX is also a third party debt collector that i have never contracted ever. They have no right to collect a debt from me.
Product: Debt collection

Dispute on debt related to XXXX First time I use XXXX & I told I only wish to receive treatments that are fully covered by my insurance. If any services are not covered, I would like to be informed in advance! 

I did not request for XXXX XXXX XXXX 
I was not informed of the cost before the service was provided. 
I never received an itemized bill from the XXXX office. 

Now the collection requests me to pay XXXXXXXX XXXX I request to provide envidence when I dispute with XXXX but they not answer There is no bill & evidence sent to my home. 

I believe this is invalid debt but they always told me this is valid debt
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open:XX/XX/2016 Balance : {$12000.00} Company : XXXX XXXX XXXX  XXXX Account XXXX XXXX Date Open:XX/XX/2016 Balance : {$1100.00} Company : XXXX  Account # : XXXX Date Open : XX/XX/2016 Balance : {$2000.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 605C, which prohibits consumer reporting agencies from including adverse information in consumer reports resulting from XXXX XXXX. Despite submitting valid and legally compliant documentation, Equifax has refused to comply with this federal mandate, thereby causing further harm and undue hardship. 

Issue Description I am a survivor of XXXX XXXX and have taken the steps outlined in FCRA Section 605C to ensure adverse information related to my XXXX  experience is removed from my credit report. To comply with the law, I submitted the following documents to Equifax : A certification letter from the U.S. Department XXXX XXXX and XXXX XXXX ( XXXX ) attesting to my status as a XXXX XXXX XXXX XXXX 
Documentation from a recognized and valid Non-Governmental Organization ( NGO ) supporting my claim. 
Despite these submissions, Equifax has failed to fulfill its legal obligation under Section 605C. Equifax has either : Refused to accept my documentation, which meets all criteria established by the FCRA and its supporting regulations.

Provided no valid explanation for their refusal or failure to act.

Continued to report adverse information related to the XXXX  situation, which has caused significant harm to my financial stability and mental well-being. 
Impact of Equifaxs Non-Compliance Equifaxs refusal to adhere to federal law has had the following consequences : Continued damage to my credit report and score, affecting my ability to secure housing, employment, and financial services. 
Emotional distress and retraumatization as I am forced to relive my XXXX  experience to resolve this matter. 
Violation of my rights as a consumer under FCRA Section 605C.

Resolution Sought I request the CFPB to take the following actions : Investigate Equifaxs failure to comply with FCRA Section 605C. 
Compel Equifax to immediately accept and process the documentation I have provided, removing all adverse information that resulted from my XXXX  experience. 
Ensure that Equifax implements proper procedures to prevent future violations of this law and train their staff to handle such cases appropriately. 
Attachments I have attached the following to support my complaint : Certification letter from the Department XXXX XXXX and XXXX XXXX ( XXXX ). 
Documentation from a valid NGO. 
Copies of all correspondence with Equifax related to this matter, including their refusal or lack of response. 
Conclusion Equifaxs actions are a direct violation of FCRA Section 605C, and their failure to address this matter undermines critical protections for XXXX survivors. I urge the CFPB to hold Equifax accountable and ensure compliance with federal law. If Equifax does not take corrective action immediately, I am prepared to pursue additional legal remedies. 

Thank you for your attention to this matter. I look forward to your swift action.