23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I notified Chase Bank that I was going through a divorce. My soon to be ex was on my checking account so that in an emergency he could pay bills. I was told I could not remove him from the checking without his consent. I asked how I could protect my money ( we had separate accounts, he had his own money at a different bank ). The branch manager advised me to move my money from my checking to my savings account to protect it, as my " ex '' was not on that savings account, and then she noted my account with regard to the situation. As expected, the " ex '' went to a Chase branch and requested a withdrawal of the money in my account. The bank gave him ALL of the money ( checking AND savings ). When I received an email notifying me that my account balance was below my limit, I was shocked and went immediately to the local branch. I was told that because I had overdraft service on my account, that I had no recourse and that the bank had done nothing wrong. The overdraft service, according to the Chase website, states that it will pay : Checks, Automatic Payments and Recurring debit card purchases. It also states that it will NOT cover everyday debit card transactions. My " ex '' did not have a debit card for the checking account. He simply walked in, and withdrew everything from the checking and savings. The bank did not contact me, and I assume did not verify that he was NOT a named person on my savings, which should NOT allow him the overdraft service. As the sole custodian of the savings, the overdraft service should have only been protecting me. If the bank knew that overdraft would enable him to receive all funds, they should have advised me when I requested their help in protecting my funds, and I would have asked that it be turned it off. Their website documentation does not state that the overdraft service includes withdrawals. It should n't include withdrawals. If someone has access, they should be required to transfer the funds in order to withdraw them. Please help me get my funds back from Chase Bank, who erred in agreeing to disburse them to my now ex-husband who was not eligible to receive them. Their documentation and communication to all is confusing and misleading to a consumer.
Product: Checking or savings account

My account was closed apparently on 1XX/XX/XXXX. I want to know EXACTLY why it was closed. And if possible Re-OPEN the account! And payout the Bonus that I have completed terms for. 

I have been working toward earning my {$200.00} opening Checking Account bonus and have completed the requirements thus far and was expecting it to be payed by XX/XX/XXXX but you have now closed my account just before the pay day!
Product: Debt collection

I was recently made aware of an account that was placed in collections. This was my first time hearing of this debt and there was no validation made. I requested documents proof and that the item be deleted from my record whilst being investigated. On the document that was submitted, it indicates that I had primary insurance and so I am not sure why I am being billed by the hospital. Much more, I do n't recall being at XXXX XXXX since I have not lived in XXXX XXXX in close to a decade. Pursuant to the debt collecting act, validation of the debt should have been carried out prior to listing this account.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments on TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

XXXX XXXX XXXX XXXX  Account Name : Credit one Dates reporting NOT accurate : XXXX
Product: Money transfer, virtual currency, or money service

Hello, Over the past weekend I attempted to send a {$1000.00} deposit to CoinBase.com, and was promised a date this amount would be available ( XXXX/XXXX/XXXX ). 

This money is not available and I the transaction status on coinbase.com is no longer present despite my bank registering that the {$1000.00} was sent. 

I would like an explanation for this and a notification for when this issue is resolved.
Product: Debt collection

The original debt of {$250.00} was through XXXX XXXX, which sent it to XXXX XXXX XXXX 's collection agency, I then paid it to them XX/XX/XXXX. Therefore the account was paid in full. 

Now, this collection agency : Nelson Cruz,XXXX  XXXX XXXX , XXXX XXXX XXXX , TX XXXX M-F XXXX CST Customer Support ( XXXX ) XXXX Has recently reported this account as delinquent to the credit bureau which causing my credit score to decrease by 32 points. I am in the process of trying to buy my home. 
I have contacted them by phone on XX/XX/XXXX, after noticing the change in my credit report. Also by e-mail on XX/XX/XXXX. XXXX, I sent them a copy of my receipt too. However, on XX/XX/XXXX, the collection agency flagged the account in the credit bureaus. Also, they started the account was open in XX/XX/XXXX. Which is false information being reported too.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Collection Accounts Below XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX, XXXX  Account owner Individual Account XXXX XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX Age of Account XXXX year XXXX  month Dear, XXXX XXXX am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ).

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

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

I am disturbed that you XXXX  continues to list the following dismissed bankruptcies as confirmed within my credit file. 
Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, the credit agency must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # xxxxxxx XXXX / XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX xxxxxxxxxxxx XXXX / XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Rushmore purchased my loan from XXXX XXXX a predatory lending company that was fined millions of dollars for forcing home owners into foreclosure in 2018. XXXX XXXX only had my loan for a few months because they also purchased my loan from XXXX. During the time XXXX had my loan they did not follow the Federal guidelines and denied that XXXX sent imperative documents such as a completed modification and information about my forbearance I had been placed on. I filed complaints against XXXX and XXXX and XXXX responded with all necessary documents to prove that they in fact did transfer the loan with all the documents and like magic they XXXX found it and said they would expedite the info to loss mitigation and that foreclosure proceedings would be placed on hold. with that being said I filed another complaint because I was suppose to be protected by the 60 day transfer, the forbearance and Covid relief, So I began filing complaints with CFPB, FTC, XXXX, Attorney General, I called Governor Bakers office, and found an attorney who was in the process of seeking homeowners to file a class action suit against XXXX and I joined, Between the complaints. class action and XXXX finding out about my sister social media platform which consist over a million followers they sold my loan to Rushmore. I was so relieved until I researched Rushmore and found that they were even worse than XXXX. I called and spoke to a guy in the loss mitigation department and explained that I havens received a welcome packet and he said to wait until after the! XXXX  to give them some time. I was very pleased with the concern and help this gentle men offered and he assured me they would take care of me not to worry, Now it has been over 2 weeks from that date and I haven't received any paperwork, I called with a hud counselor and the rep told me that it was sent 45 days ago, how conflicting to the first person who told me to wait until after the XXXX XXXX the rep then goes on to ask me for a phone number and email and says we need an address for you to because we do not have one,,,, What you just said you sent a welcome packet out 45 days ago you don't even have a listed address. My loan was transferred on the XXXX and its 2 weeks later and I have no information at all. Now she claimed it would be mailed again but a simple email would of been easier. they are already playing games and trying to buy time to foreclose. I will not stand for these scams they play with homeowners in order to foreclose and take peoples property from them. There are guidelines and they need to follow them. This company scares me more than XXXX XXXX. I ; m going to contact the attorney and file complaints until they follow the proper guidelines, I will also seek an attorney, Im not letting theses scam artist steal my property. I want assistance and for my current situation before the transfer be honored like it is suppose to be,
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to XXXX ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I had a XXXX Bankruptcy this was done by a professional Bankruptcy Attorney. In this Bankruptcy the XXXX XXXX account was XXXX by the grantor and closed in XXXX. 9 years later I get a letter from XXXX XXXX XXXX that they are the XXXX loan '' servicer and was transferred XX/XX/XXXX, and that XXXX XXXX XXXX center would be collecting 'my payments '' going forward. This is illegal. 
The account was XXXX and closed in XXXX. Now, 3 years later they have added significant interest and now state we owe them over XXXX and says it does not include their attorney fees and other cost. They are trying to foreclose on our home. 
XXXX can not collect on a debt that has been closed by grantor and XXXX in my Bankruptcy. XXXX provided me a " Promissory Note '', with only XXXX signature and no date, there were XXXX borrowers, for paperwork purposes, however I feel it is not valid and not a legal document. 
Predatory tricks, vague letters and falls claims. I am protected by the Fair Debt Collection XXXX which prohibits XXXX from trying to collect in anyway on an account that was dismissed in Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a credit line increase on my XXXX credit card. It went from XXXX to XXXX. I was recently alerted that my credit rating was lowered because my limit was decreased, which is false, and it placed me over the limit. I loss points that I desperately worked so hard to obtain only for the information to input incorrectly by someone. Equifax refuses to fix their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2020 I settled with Kay Jewelers and they were suppose to report to the credit bureau as a XXXX  balance they yet to do so. Since this has been misreported for months now I want this REMOVE NOW!!!! .. The promise on their part was not upheld like my was when I paid the settlement. They have had plenty of time to report to a XXXX  balance and have decided not to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

the creditor must report the canceled amount or settled debt to the IRS using the Form 1099-C cancellation of debt I didnt receive a 1099 Form XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX
Product: Mortgage

We were in the forbearance due to covid 19. Since coming out of it, we have been trying to get a mortgage modification with no success. We received a response to our loss mitigation application on XX/XX/21. On XX/XX/21 within the 14 days allowed, we asked for more information on how the decision was reached. Today, XX/XX/21 while our formal loss mitigation denial appeal is being processed, Mr. Cooper scheduled a sale date of XX/XX/21. I believe that this sale should be cancelled until such time as we can review the requested information and make an informed decision. 

We should have a right to see and investigate how the decision was made to deny us before a foreclosure sale is completed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax Information Services LLC for the unauthorized reinsertion of previously deleted inquiries on my credit report. This issue has recurred multiple times despite my previous complaints through the CFPB, and Equifax 's confirmed deletions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Recently, I discovered that these same inquiries have been reinserted into my credit report without any notification from Equifax, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. This law mandates that if previously deleted information is reinserted, the consumer reporting agency must notify the consumer within five business days of the reinsertion and provide specific details about the furnisher of the information and the consumers rights. 

The unauthorized inquiries that have been reinserted without proper notification are as follows : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Equifax 's failure to notify me XXXX these reinsertions is a serious violation of the FCRA. I demand that Equifax delete these unauthorized inquiries from my consumer report immediately and permanently. Additionally, I am requesting the CFPBs assistance in addressing this matter and ensuring Equifax complies with the law. Specifically, I am seeking the following resolutions : 1. Immediate and permanent removal of the reinserted inquiries from my credit report.

2. A thorough investigation into why these inquiries were reinserted without proper notification.

3. Assurance that proper procedures will be followed in the future to prevent unauthorized reinsertions and ensure compliance with the FCRA.

I have attached copies of the previous deletion letters from Equifax, my identification documents, and the relevant sections of my credit report highlighting the reinserted inquiries for your reference.

Thank you for your prompt attention to this serious matter. I look forward to your assistance in ensuring that my rights as a consumer are protected and that Equifax complies with all legal requirements. 

Sincerely, XXXX XXXX [ Enclosures : Previous Deletion Letters from Equifax ( dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Screenshot of Equifax Official site showing reinserted Inquiries reporting ] CC : XXXX
Product: Student loan

I and husband were in XXXX bankruptcy and I was still paying a little each month ( even during covid ) and no amount was being applied to the principal. I emailed the service provider in XXXX of 2023 to ask why and to also ask why that this account was showing up delinquent in Husbands credit report. He is a co-signer but also in XXXX. 

Was told that all would be fixed and applied correctly and for the husbands credit report it was but now I am back on full payments and I see the last XXXX payments ( XXXX ) that only XXXX has been applied to the principal. Just wondering if this is fair and correct The principal is for XXXX and inpaid interest balance is almost XXXX and then the collection on top of that is almost XXXX so my little loan is now costing me XXXX
Product: Credit reporting or other personal consumer reports

15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the 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 ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX  and before XXXX XXXX XXXX local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, Im XXXX XXXX writing to request a new fraud alert be placed on my credit report. My previous fraud alert has expired, and I want to reestablish this protection. Can you please confirm my identity and verify I am who I say I am before setting up the new alert? 

My identification details see attached : Drivers License and SSN Id like the fraud alert to remain in place for extended length of time ans would appreciate a confirmation number or unique identifier for the alert once activated.

I am requesting this fraud alert due to concerns over potential identity theft and misuse of my personal information. I would like to ensure that creditors and lenders verify my identify before extending credit in my name. I hereby authorize Experian to contact me at the following phone numbers in connection with this fraud alert : Cell number XXXX Landline number XXXX Please activate this fraud alert immediately and notify me once completed. 

Thank you for your assistance in helping to protect my credit information. 

Sincerely, XXXX XXXX