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

On Monday XX/XX/XXXX Chase suspended my account access. I provided them all requested personal identification information. After 30 minutes on the phone they have still failed to remove the account suspension due to me not being able to tell them which account they suspended. Im on vacation and need to go to my local branch to get it unsusoended.
Product: Credit reporting or other personal consumer reports

I am not liable for the debt with XXXX XXXX. I do not have a contract with XXXX XXXX. They did not provide me with the original contract as I requested. In accordance with the Fair Credir Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 SECTION 6 0 2, states I have the right to privacy ( 15 U.S.C. 1681 section 604 section 2 ) it also states a consumer agency reporting agency can not furnish an account without my written consent and/or instruction. This was also reported to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint does not really fit the criteria I selected. Options available do not really reflect my complaint. On XX/XX/XXXX, Experian sent both my husband and myself separate e-mails reporting our credit scores had dropped. My score dropped from XXXX to XXXX while my husbands dropped from XXXX to XXXX. I reviewed both our reports and can see no reasons as to why the scores dropped. The only comment on the report is that both our credits reports are " thin ''. 
My husband is XXXX and I am XXXX. We are both retired. In the past we had a mortgage, car loans and school loans. Before I retired XX/XX/XXXX, all of these were paid off. I do not understand why our scores dropped because we were wise paying off our debt before retirement when our income would become fixed. I am concerned because my state allows insurance companies to use credit scores to assess the risk of insuring an individual. A drop in our scores could trigger our insurance carrier to reassess our risk and raise our premium. I have attached 2 word docs with screen shots from Experian for my husband 's and my credit file.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my daughter sent me {$270.00} via cash app I elected to have these funds directly deposited into my account instead of an instant deposit. I called on XX/XX/XXXX because funds have not been received I spoke with a representative that stated they could see the funds and they would be available by the end of the day. On XX/XX/XXXX funds had still not been received I called cash app and spoke with several reps via chat each one gave a different story the first representative XXXX stated that they are not showing a pending deposit, the second representative stated the same so I called I was then told that the funds would be available XXXX I asked how this was possible because friday XX/XX/XXXX is a holiday. I than asked to speak with a manager and was hung up on. I called back again and spoke with another representative that stated the funds would be available today when I asked about getting a refund to the sender and how they could go about doing so he told me he could not provide me with that information and hung up on me
Product: Vehicle loan or lease

XX/XX/2018 Account charged off. {$30000.00} account number XXXX AMERICAN HONDA FINANCE I am this claims to require the sling to please delete this account since I am not the owner ... I demand that you remove all liability ... immediately as I am trying to repair my credit situation and thanks to your credit report error is in bad coditions ....
Product: Checking or savings account

Td bank allowed someone to steal my identity and steal over XXXX dollars out my account they then wouldnt reimburse me for identity theft or let me file a claim cause my account was closed due to whoever stole my identity depositing fake checks into my account till this day I still havent gotten reimbursed for my business checking account when I call they tell me go to the branch to make the complaint and file a dispute when I get to the branch the workers are to lazy to file this the dispute cause they have to do it manually and then the branch wont let me open a new business account just incase I do find a good worker that will file these disputes and a provisional credit is granted they are not treating me fairly and its like Im just out of all that money behind this I really need a lawyer for this
Product: Mortgage

I just explained Chase is placing my property/ Home in LIEN as they said my taxes NOT paid, my taxes are paid in my mortgage payments to Chase . IF my home being placed w/ a LIEN on it, this means Chase is NOT paying my taxes via my mortgage payments!!XXXX XXXX XXXX XXXX XXXX 
Please check records & PLEASE respond. Especially since as I stated my taxes are paid via my mortgage. Please respond as I have also attached copies of my property tax bills. TY Please confirm you have received this as something happened when I tried to submit complaint. Please assure me you received the copies of my tax bills & PLEASE Clarify that my property IS NOT GOING to Be placed in LIEN status!!!! I am XXXX senior & this is very troublesome & scary IF Chase has NOT paid my taxes from my mortgage payments. please see some of my communications w/ Chase. I also HAD lodged complaints w/ FTC & FCC & XXXX I also saw on my account I am due a check I can only presume from an overpayment in XXXX IF I am due a check, IT has NOT come yet!!
Product: Checking or savings account

My checking account is frozen. I called and they didnt give me any information as to why. I cant access my money. Its my only source of funds
Product: Debt collection

I have an outstanding balance with XXXX University. I have been paying them for years. I relocated from my original state : XXXX  to XXXX. I did not receive any notifications from XXXX University or the creditors about collecting a debt. As soon as I started paying down the debt again and had less than {$2800.00} left XXXX XXXX ( ( XXXX XXXX XXXX ) ( from XXXX University XXXX contacted me and tried to get me to pay more money than I owed. She said she sent me to credit world, but I did not receive any notification from them until I started paying down my debt again. Even though they had my email and contact number nobody called until after I started paying the debt she almost doubled the amount I have left. If this harassment does not stop I would like XXXX and credit world to know we are going to end up in court. I have my proof and documentation. This harassment needs to end immediately.
Product: Credit reporting or other personal consumer reports

When I asked the company what kind of inquiry would be done, they said it would be a soft pull. However, I noticed that a hard inquiry was made on my credit report, even though I did not apply for this particular loan and I did not give my consent for a hard inquiry to be done. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
Product: Credit reporting or other personal consumer reports

Im filling a complaint against trans union for failing to properly investigate my dispute regarding in accuracy in my credit report. Despite my submissions, Trans Union constantly response with 24 hours stating that the account is accurate without providing evidence of a thorough investigation. This practice buys the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX became the more friendlier XXXX XXXX about 18 months ago. At that time was reporting trade line with all three credit agency, disappear when became XXXX XXXX. I have been trying to get the more friendlier XXXX XXXX to report trade line. They continuous send to research department with no results! This time they said they need a additional 15 days to come up with no solutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX.
Product: Debt collection

XXXX XXXX XXXX Inquiry from XX/XX/XXXXand XXXX XXXX  Inquiry from XX/XX/XXXX. I had reported int to XXXX  and Equifax, because somebody put it on my credit report. 
Also I had a derrogatorry mark from XXXX Opened XX/XX/XXXXthat I had paid in full, and I reported it to Equifax, and they didn`t tooked out of my credit, even I hd paid it in full. I had called them many times, but they hold it in my account. 

Also, I would like to report that I paid my student XXXX in full and still my credit said that I have a debit for {$3200.00}. nd that is from the 3 boreau credit!
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681, XXXX, Transunion and XXXX refused to removed any and all addresses, and adding information to report that I did not give permission to do! 

Per the CFRA, As a Federal Protected Consumer, I am now Opting Out of ANY and ALL Authorization. I the Consumer may have been giving you written and unwritten, verbal and non verbal, per 15 USC 6802. 

For all information reported on credit report, I want companies and XXXX XXXX removed from report.
Product: Credit card

Subject : Complaint Against CareCredit for Refund Issues Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CareCredit regarding their refusal to issue a refund for a credited balance on my account. 

Here is the situation : I had scheduled XXXX and began making payments to CareCredit in advance. However, the XXXX was canceled, and the XXXX refunded the amount to my CareCredit account, resulting in a credit balance of {$1600.00}. 

Since XX/XX/XXXX, I have contacted CareCredit multiple times ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to request a refund of this balance. Despite assurances from their representatives that a check would be issued, I have been transferred between agents without any resolution. Additionally, I was informed that closing my account would prevent me from receiving my refund. 

Each call results in new and inconsistent information, and I am left without my rightful refund. I am currently working with my bankXXXX XXXX XXXX XXXX  to dispute the payments, but I am uncertain of the outcome. 

I request the CFPB 's assistance in resolving this matter and ensuring that CareCredit issues the refund promptly. I appreciate your attention to this issue and look forward to your guidance. 

Thank you for your support. 

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

I am writing in response to CFPB Complaint XXXX. On XX/XX/XXXX Equifax responded to CFPB complaint XXXX, that XXXX XXXX IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. However, as of XX/XX/XXXX, XXXX XXXX is being inaccurately reported as a collection account on my Equifax credit report. The discrepancies pertain to the original delinquency date associated with this account, which has been incorrectly reported as XX/XX/XXXX instead of the actual date of first delinquency, which is XXXX XX/XX/XXXX, re-aging this account. XXXX XXXX responded to CFPB Complaint XXXX on XX/XX/XXXX, and confirmed that the correct delinquent date on this account is XXXX XX/XX/XXXX. Additionally, this account was paid in full and should not be reported as an active collection account. Despite my diligent efforts to address this issue directly with the parties involved, namely XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and Equifax, the inaccurate information has not been rectified. The violations committed by Equifax, are egregious and include : Fair Credit Reporting Act ( FCRA ) Violations : 1. Reporting inaccurate information : Equifax is reporting XXXX XXXX as a collection account on the credit report, which contradicts their earlier response that it was not currently reporting. Additionally, the account number and original delinquency date associated with the XXXX XXXX account are being reported inaccurately. 
2. Failure to correct inaccurate information : Despite the consumer 's efforts to address the inaccuracies directly with Equifax, the incorrect information has not been rectified. 
I have attached CFPB Complaints XXXX and XXXX for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX Credit Card. The amount is inaccurate because I have paid the balance in XX/XX/XXXXbut it hasn't been updated since XX/XX/XXXX.

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
Product: Debt collection

Transunion - reporting unauthorized transactions, attempting to collect debt that does not belong to me and they are the only credit buries reporting this inaccurate information. 



XXXX - reporting unauthorized transactions, attempting to collect debt that does not belong to me XXXX -reporting unauthorized transactions, attempting to collect debt that does not belong to me
Product: Debt collection

I contacted XXXX on multiple occasions from XXXX XXXX I just contacted Credit Collection Services XXXX XX/XX/2022 and spoke to XXXX
Product: Mortgage

A XXXX in line debt collector has categorized an installment loan ( originated as Exhibit B -- Unsecured Promissory Note on the last day of closing a XXXX XXXX XXXX ( XXXX ) short sale of real property, XXXX XXXX XXXX, XXXX XXXX CA XXXX, XX/XX/XXXX -- and that exhibit may really not have signatures nor been notarized at that time ) as a current XX/XX/XXXX late pay mortgage on my credit reports. This has caused me to not receive approval for completing a mortgage loan-XXXX and XXXX XXXX, and caused denial for me to rent another home -- due to 'adverse impact ' on my credit check by XXXX XXXX XXXX XXXX in the attempt to rent. I have consulted with an attorney, last week XXXX. I know the debt is old -- however offered an amount, that I was originally told in XX/XX/XXXX, that would be the amount wanted by XXXX -- to this debt collector -- Real Time Resolutions ( RTR ) -- which is really a 'strong-arm enforcer ' of XXXX -- I think. On prior credit reports, the XXXX XXXX debt collector -- XXXX XXXX XXXX, - listed this debt correctly -- as an Installment Loan. Now RTR calls it a 'current late pay mortgage loan. ' I hope these XXXX credit bureaus -- -which I have filed disputes with in XXXX and XX/XX/XXXX -- will correct the category of this debt on their reports. They ( XXXX and XXXX ) denied my disputes and basically have said -- whatever RTR said is the truth -- and that I am the bad, bad person. I want resolution and corrections -- and to be able to move forward with my life. I have docs to attach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed.

According to to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts.
Product: Debt collection

Received calls from Americollect approximately 3 months ago. Would get at least 1 call a week. When I spoke with them they initially were trying to collect a debt my wife owed. My wife then setup a payment plan with them for her debt. Days later they kept calling me. When I informed them this was not my debt and that a payment plan was setup for my wife they stated they would remove my number from the file. This happen theee more times. All times they stated they would remove me number. They then called my employer in an attempt to locate me. When I called back they informed me I had 3 open accounts with them totaling just over {$2700.00} dollars. I asked who the original debts were for. They told me that one was for a medical place. Did not tell me if all were for medical places and did not tell me the amount. I informed them I never received any information in the mail regarding this debt and just 2 days prior when I asked if I did owe anything I was told no. The phone calls then stopped for a month. They are now reporting this debt on my credit. I still have not received any information in writing about this debt. The amount and who the original debt is owed to I only know because I had to look up my own credit report.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
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 or other personal consumer reports

I have two closed car loans back in XXXX  almost XXXX  years ago doin that time I was in XXXX  and just found out about these loans trying to help my mom getting a house these loans was not advices by me
Product: Debt collection

I sent a letter of to this alleged debt : 1. An explanation of what this alleged account balance is for.

2. A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct 3. Original Documentation that shows I agreed to pay this debt 4. The agreement that grants you authority to collect this alleged debt 5. A copy of your STATE LICENSE, including license number However according to 15 U.s.c. 1692 ( c ) ( a ) 15 U.S.C 1692 ( b ) ( 2 ) 15 U S.C 1692 ( b ) ( 5 ) 15 u.s.c. 1692. ( d ) ( 2 ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Mortgage

Nationstar ( mr.cooper has been marking me late from XX/XX/XXXX thru XX/XX/XXXX.The error occurred when they allowed me to defer one payment they did approve. They have refused to correct the errors they made do my account. The Attorney General Office has asked me to make XXXX XXXX, XXXX aware of what is happening to my credit score. Nationstar has marked me late over 8 months over the past year. I have enclosed all my payment records and correspondence with Nationstar ( mr.cooper ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been able to access my credit report despite 2+ years of credit history with XXXX  XXXX XXXX XXXX an institution that reports credit history to all three credit bureaus. As a result in early XX/XX/2022 I called TransUnion and was told I had a mixed file. I was instructed on how to file a dispute to fix the incorrect information. Per their request I sent a cover letter explaining my situation as well as copies of my driver 's license and social security card. Within their 30 day timeframe I received a letter in the mail informing me TransUnion could not locate my credit report. 

Upon receiving this I called TransUnion customer support who informed me I was not in their system at all. They also claimed they had never received my documents to initiate a dispute, despite the letter I received being sent to a mailing address they could not possibly have known apart from it being the return address on my dispute envelope that they claim to have not received. Their solution to the problem was for me to send a cover letter as well as copies of my driver 's license and social security card to them, a process that has already proved fruitless. 

Under the Fair Credit Reporting Act, TransUnion is required to fix any inaccurate or incomplete information. My information not existing is as incomplete as it gets, especially when another credit bureau has my information and report on file in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my updated credit report, I realized that the same accounts were erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$300.00}, XXXX XXXX XXXXXXXX Balance : {$690.00}, XXXX XXXX XXXX  XXXX XXXX Balance : {$5700.00}
Product: Checking or savings account

I had a checking account with Bank of America in 2009. I received an overdraft charge of {$35.00} for being overdrawn by less than {$1.00}, if I remember correctly. I was a XXXX XXXX  without a job and just couldn't pay right away. Everyday I was charged {$8.00} for having a negative balance, and I was not able to close the account because it was overdrawn. They finally closed my account when the charges were over {$800.00}. I started to pay them back when I was able, making minimal payments every month. I had paid over {$1000.00} back and started to question them when my remaining balance was still over {$800.00}, like the original charge. I asked the bank to send me detailed accounts of why I still owed them so much money, and refused to continue payments until I got those detailed accounts. That is the last that I heard from Bank of America. Over 12 years later and I am still being refused bank accounts and credit cards, making it impossible for me to repair my credit. I recently had a checking account with XXXX XXXX and they refused to release {$200.00} of my own money so I could get a high risk credit card, stating they could offer me a better deal, and then again refused to give me one of their own high-risk credit cards because of the discrepancy with Bank of America XXXX
Product: Credit reporting or other personal consumer reports

Despite several attempts to correct a late open account, this discrepancy remain on my credit report, causing significant financial harm and distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the late open account on my credit report. Immediately, I took steps to contact the respective creditors, and I submitted disputes to the credit reporting agencies to rectify this inaccuracy. Subsequently, I have made several attempts to dispute this inaccuracy with the credit reporting agencies, providing all the necessary documentation to support my claims, and I have been in continuous communication with the creditors involved. 
Despite my commitment to resolving this matter, this inaccuracy remain on my credit report and have not been adequately addressed by the credit reporting agencies or the creditors. These unresolved credit report issues have caused me significant stress and financial hardship. As a responsible and diligent consumer, I expect that the credit reporting system operates with accuracy and fairness, reflecting my true financial standing. Please help me correct the account : XXXX XXXX XXXX Balance Owed : {$260000.00}.