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

Failure to perform a proper investigation. I have submitted many dispute letters online and through the mail. I have provided them with proof directly from the credit report.They continue to report information that is inaccurate as accurate.This is a direct violation an damaging to my credit. 
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

Notarized letters were sent via USPS XX/XX/2023 to have account removed due to no knowledge of it to be removed. 
I have not supplied proof under the doctrine of estopped by silence, Engelhardt Gravens ( mo. ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

SOURCE RECEIVABLES MANAG : AMOUNT : {$320.00}
Product: Credit card

On XX/XX/XXXX, XXXX, I called Bank of America concerning lower my credit limit and I spoke with XXXX and she told me she saw where my limit was decreased. I explained to her about the complaint I had filed on XX/XX/2023 and was told she could not do anything. 

I received a letter from Bank of America on XX/XX/2023, indicating why they decreased my limit because of the report from the XXXX XXXX credit report. My credit score they have is incorrect. They have it as XXXX and it has been corrected to XXXX on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I sent this requesting that you reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. I have read enough to understand my rights. The XXXX and XXXX Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

DEPT OF ED/NELNET XXXX XXXX XXXX  XXXX, XXXX Balance {$600.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXX Balance {$440.00} ; DEPT OF ED/NELNET XXXX XXXX XX/XX/XXXX Balance {$1900.00} ; DEPT OF ED/NELNET XXXX OpenedXX/XX/XXXXBalance {$3600.00} ; DEPT OF ED/NELNET XXXX XXXXXX/XX/XXXXBalance {$3800.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXXBalance {$2100.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXXBalance {$1900.00} ;
Product: Credit card

In XXXX I lost my phone number briefly. Someone was able to take it over online by requesting it be merged with theirs online. XXXX XXXX was able to get it back fro me in about a week. Around this time a fraudulent charge ( XXXX XXXX ) was made to my Bank of America credit card to a XXXX XXXX account. I do not have a checking or savings account with XXXX XXXX. ( I do have a credit card ). I have confirmed with two representatives at XXXX XXXX that I do not have an account and they have requested that a custom letter be sent me a letter to this effect on XX/XX/2023. Speaking to the representative today, this is not standard procedure and they seem reluctant to compose a letter. 
Bank of America claims that their investigation finds an account " associated with my name '' ending in XXXX. I have confirmed with XXXX XXXX today that I do not. 
I have received 5 letters from Bank of America rejecting my claim even after proof ( call transcript ) that my phone number was compromised, I don't know what to do at this point. I have spent hours fighting this to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Equifax on XXXX XXXX, 2017 stating that in order to complete my enrollment in my free XXXX service ( received because my account was hacked ), I needed to log onto the provided email to finish the process. For the many times I tried, the response was always that the system was down & to try later. Several times I have spoken to several representatives for help and each time they could not find me in the system, even though Equifax had sent me the email. And each time their response was for me to keep trying. The enrollment period has been closed and I was not successful in enrolling.
Product: Mortgage

I requested a payoff balance for my primary residence last month. The payoff was only {$1900.00} if paid before XX/XX/XXXX. I paid {$1900.00} on or before XX/XX/XXXX, {$4.00} extra to make sure I had an extra balance incase the interest was off a little bit. 
The loan servicing company applied {$1400.00} to the principal and {$520.00} was put in an escrow account. Next payment was due in XXXX? 
I called and emailed numerous times, the customer service manager did not let me speak and was very rude. Know my balance is {$87000.00} when I should be XXXX. 
Nobody at the Loan servicing company has given me any answers
Product: Mortgage

On XX/XX/XXXX as I was checking my credit report, my score went down from XXXX to XXXX. 
There are XXXX credit reports for the exact same promissory note for the one and only mortgage of a Home that I own. 

Union Home Mortgage failed to let me know that they transferred the note in XXXX of XXXX and continued to collect payment ( not closing the account ) and XXXX XXXX XXXX failed to give me notice that they are the new Lenders. 

I have yet to receive valid documentation to prove that XXXX ) XXXX XXXX hasn't provided valid documents that the loan was transferred via title company and XXXX ) Union Home Mortgage can't find the paperwork if it was transferred. 

Basically, I have XXXX perfect credit history from XXXX Mortgage Company and the other Mortgage company has said they are referring it to a foreclosure attorney.
Product: Debt collection

They sent me a bill for {$95.00} to pay the account in full. I logged into their website to pay this amount. I paid {$95.00} with a credit card. I discovered 17 days later that they actually drafted {$130.00} from my bank account.
Product: Checking or savings account

This complaint concerns my attempts to communicate with JP Morgan Chase Bank, N.A.. about the savings and checking account my late mother had with the company. 

My mother died on XX/XX/2020. In XXXX, I called Chase 's Service Center ( XXXX ) to inquire about the procedure for closing the account. I was told to visit a Chase bank branch office, but I live nearly 100 miles away from the nearest branch. Chase then gave me the address for the Chase Decedent Processing Group in XXXX XXXX, TX, and told me to write a letter detailing my mother 's personal details, her bank account details, my personal details and to include an original death certificate. On XX/XX/2020, I sent the required letter and documentation via USPS Certified Mail. According to USPS tracking, the package was delivered on XX/XX/2020. 

I never heard from Chase or the Decedent Processing Group. I subsequently called and left a voicemail explaining the situation with a specific request for a call back, but never received one. 

In XXXX, I called Chase 's Service Center again, and was told that, now, the only way to communicate with the Decedent Processing Group is by email. On XX/XX/2020, I sent an email to the email address provided ( XXXX ) explaining my multiple, unsuccessful attempts to communicate with the Decedent Processing Group and requesting a prompt reply. 

Later the same day, I received a secure email from JP Morgan Chase & Co. telling me to submit : An original or certified copy of the death certificate for the decedent ; Certification of Trust that Meets the States Statutory Requirements A notarized letter of instruction from the successor trust. 

There were no further instructions, nor any acknowledgment of my original letter and the fact that I had already sent a death certificate. 

I have since reached out again via JP Morgan Chase & Co. 's secure email system to request additional instructions. On XX/XX/2020, I received a reply with a Trust Certificate form attached that I should fill out. This form was not included in the original email I received on XX/XX/2020. 

I then sent two additional messages via the secure email system requesting clarification on the information requested in the form. The most recent email was on XX/XX/2020. I have not received a reply. 

Today, I have again called Chase 's Customer Service Center number ( XXXX ) to lodge a complaint and request help with remedying the situation. As I write this, I have been on hold for 1 hour and 9 minutes. 

Nearly four months have passed since my mother 's death. JP Morgan Chase is making it extremely difficult to process matters of estate, in spite of numerous good faith efforts on my behalf. I understand that the Covid-19 pandemic has created hurdles for businesses in a range of industries, but Chase is a major, well-established financial institution. The poor service and deplorable communication I have experienced is simply unconscionable.
Product: Bank account or service

Cash payment was made into my business account in order to make purchases for a customer of mine, after three installmental payments from XX/XX/2016 ; then I was at my local Bank of America branch on the XX/XX/2016 to make some initial withdrawal to make purchases, then I realized that my account has been frozen and that there is a fraud hold on my account. I was a given a telephone number to call in order to find out what was going on as the bank teller stated that they do not have any information on the development. 
I called the number, then I was sent back to the branch for more clarifications. On getting to the branch again, I was not given any information apart from what they originally told me that there was a fraud hold on my account. At the branch, I was given another telephone number to call. They gave a name and the department, I was not able to speak with the person as every call I made to this number went to voice mail with the person saying that they were away from their desk. My account was placed on hold for almost three weeks, this hold affected my XXXX business, as I was not able to withdraw any money from the frozen account. All this time there was no communication between me and bank of America as to what was going on with my account. My accounts were closed without any notification, this affected my direct deposit, which in turn affected my mortgage payment, as I was not able to get my salary on time as a result of the account closure. 
Eventually, I got a letter from Bank of America on the XXXX of XXXX stating that they are sending me the money in my closed accounts, however the payment will be short of {$1800.00}, and the explanation given was that the money is not due to me. Also they mentioned financial irregularities in my account without any evidence or proof. As at the time of this letter, I have not been able to have a conversation with the department in charge and I have not received any call back or a letter showing evidence of irregularities. Also, it was mentioned in their letter that I might be reported to XXXX, and XXXX and consequently I might not be able to open account for about 5 years.
Product: Credit card or prepaid card

My issue is with Care Credit/Synchrony Bank. I had this credit card/account since 2014 and it has been in good standing. Whenever I paid down my account they seemed to lower my available balance which is bad for my credit rating and annoying, but not why I'm here today. I went to use my card that had a XXXX balance back in XXXX at my dog 's vet and was told it was declined. After my inquiry to Care credit, they said my card was canceled and they would send me a letter telling me why. 

I got a letter saying they were basically auditing their files and my creditworthiness was not good enough. They quoted me a very low credit score in the XXXX range which was not accurate. I have since waited a few months and even acquired another credit card held by synchrony bank, an American Eagle store credit card. This card has a XXXX  balance currently. ( see attached credit report XXXX Today I applied for a care credit card and was denied immediately due to " delinquent past or present credit obligations with synchrony bank ''. ( See attached denial ) As stated previously I don't have a delinquent history ( See attached credit report showing my history ) with them and my current status is also favorable. I feel that the systematic lowering of my balance, then closing my account altogether without notice and now the denial of credit to me is discriminatory in nature. It cant possibly be based on my creditworthiness as they state. 

A quick search of XXXX resulted in many, many other people who have similar situations with credit being closed without notice so I feel compelled to write today and take my issue to this level in order to get help and hopefully some insight that the company has not been able to offer me. 

Thank you,
Product: Debt collection

NOTICE TO CEASE AND DESIST To whom this may concern, On XX/XX/2022 a form of communication in an attempt to collect an alleged debt was mailed to me. I do not know who Radius Global Solutions LLC is, I certainly did not give my personal information to you and I did not consent to you communicating with me. 

Pursuant to 15 USC 1692a ( 2 ) - The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

You are a debt collector and you are implying that I, a consumer, owes a debt. Trying to collect on an alleged debt in the amount of {$4000.00}. That is a violation of 15 USC 1692b ( 2 ) Pursuant to 15 USC 1692c ( c ) - I am refusing to pay this alleged debt and it is my wish that you cease any further communication in connection with this alleged debt, that includes communication with anyone, especially any consumer reporting agency.

Do not report anything on my consumer report, you do not have my consent.

Pursuant to 15 USC 1692c ( c ) ( 3 ) - As the original creditor, I am invoking my specified remedy, specified remedy includes the following ; -An apology for contacting me without my permission, including a notice that your further efforts are being terminated - A check in the amount of {$2000.00} addressed to me, the consumer for violating my consumer right to privacy by contacting me without my permission and for implying that I owe a debt
Product: Checking or savings account

Hello, I have transferred over {$13.00} to DONUT APP last year. I opened an account with them as they advertised better saving with options of 5 % interest and 2 % fee. The app had structured the funds to be diversified and invested to XXXX. Currently {$12000.00} of my funds have been frozen since XX/XX/2022. The company despite stating the funds would be diversified, loaned 95 % of its most secure plan ( XXXX plan ) to XXXX XXXX XXXX which is currently filing for bankruptcy. 
Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There are several number of inquiries for credit -- - on my credit report from the past few months in XXXX, that I did not make and are not aware of. These are currently listed on my reports and is hurting my quality of life for me and my family. 

XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX and another in XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX - XX/XX/XXXX I have attached a letter from XXXX XXXX  XXXX stating that they acknowledge that I didnt make inquires on XX/XX/XXXX. But the Credit bureaus are still listing on my credit report making money off of me, this is wrong.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Student loan

In XXXX 2016 I responded to a message from Wells Fargo regarding a graduate student loan that would come due in XXXX 2016. I requested re-consideration of the rate of payment or some kind of concession based on my extreme change of circumstance. I recently lost my husband, who was the sole income provider for myself, and my daughter, a XXXX. 

Wells Fargo suggested a loan modification. I began the process shortly thereafter filling out many forms, documents and sending endless faxes, which was not only demanding at this difficult time in my life, but full of contradictions at all levels of communication. Little in the process was ever transparent. 

Finally they contacted the co-signer, without my knowledge, well aware that he was a mature man just recovering from a XXXX, I did not wish to burden him. They disregarded this and astoundingly invented a statement they claim he made. Based on this the modification application was denied. I still do not fully understand or accept the reasons behind this decision. The facts so obviously attribute to the need to apply in the first place. 

The outcome and handling of the process was not only de-moralizing but the result was disturbing. I not only feel that the effort made over many months offered no resolution or compromise and looking back it has been victimising, from the initial hard sell to the onset of re-payment. 

I was concerned about adverse credit reports regarding the loan and constantly phoned in to discuss this. The advise the modification team gave was that " it would not help my case if I was seen to be making payments '', Based on this, I decided to wait for the written result about the modification application, which I have not yet received. 

The disregard for my personal situation continues. I now get endless phone calls from the collection department insistencing that the loan is two months over due. It is not. Over the past two weeks I have had about 15 phone calls-today alone 5 calls. Sometimes there are recorded messages asking me to hold the line up to 15 minutes. Often no-one answers. 

In all of this I only asked for consideration for a lowered monthly payment of $ XXXX-XXXX to help me get through this trying period of financial hardship. I am not sure where to go forward from here or where to turn for help.
Product: Debt collection

I disputed the debt 's validity, but they have completely cut off communication. Despite my efforts, it continues to appear as a collection on my credit report, and they are still adding interest.
Product: Credit reporting or other personal consumer reports

I would like the follow payment status or account removed its showing that I was XXXX  days past due when they were suppose to be in deferment. On the XXXX account it shows that I was attending my first semester in college which was 2013. How could I be XXXX  days past due on XXXX?
Product: Credit card

On my XXXX XXXX Citi card statement there where XXXX charges for {$1000.00} and XXXX charges for {$2000.00} that I did not authorize. XXXX statement attached. I disputed these charges and they were subtracted from my XXXX statement. XXXX statement attached. 
XXXX of these charges were added back on my XXXX statement. I disputed these charges again but this time Citi card said they have received evidence that they chares were ligament. I once again disputed these charges. All I received from Citi card were the XXXX letters ( attached ) claiming " The merchant provided documentation confirming this is a valid charge. '' However, there was no detailed documentation provided. I once again disputed these charges. It has been approximately a month with no reply from Citi Card regarding these charges and they are still on my monthly statement plus interest because I have not paid these specific amounts. It just doesn't make since that all the other similar amounts were found to be fraudulent and these were not.
Product: Checking or savings account

On XX/XX/XXXX, I filed a complaint with Wells Fargo regarding an unauthorized charge that had been recurring on my debit card since 2021. This charge, amounting to {$4.00} every month, had accumulated to over {$100.00}. After contacting Wells Fargo 's claim department, they acknowledged the total amount and assured me that an investigation would commence, with a promise to refund the money if the charges were confirmed as unauthorized. However, upon the conclusion of their investigation on XX/XX/XXXX, I discovered that only {$1.00} had been credited back to my account. This was contrary to my initial understanding based on our conversations. Further inquiries revealed that Wells Fargo 's policy only permitted refunds for unauthorized charges made within 60 days of the first occurrence by the same vendor. This policy was not communicated to me during our initial discussion and seems inconsistent with their assurances. As a consumer, I find this outcome unacceptable and inconsistent with the expectations set by Wells Fargo during our initial interactions.
Product: Checking or savings account

On Sunday XX/XX/XXXX, I received an email from Venmo stating that " After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. '' Prior to permanently deactivating my account it was temporarily frozen. They requested my photo ID, which I provided. After I provided my ID, my account was permanently deactivated and all of my funds have been frozen.
Product: Mortgage

In XX/XX/XXXX I was granted a loan modification with my mortgage lender Wells Fargo after XXXX years and XXXX attempts. I was relieved that I was granted the modification and would be able to remain in my home. 
XX/XX/XXXX I listed my home for sale and attempted to obtain a mortgage on another home. I was denied the new mortgage due to a low credit score resulting from the years of " late payments '' that were reported by Wells Fargo during our working together to obtain the modification. In addition, I was recently told that due to the modification, I would not be able to attempt another loan for a mortgage for XXXX more years. These dings on my credit and inability to apply for a mortgage were never spelled out during the process. 
In addition, I also now have a lien on my title from FHA for XXXX. Please advise! 

Thank you!