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

I started a new checking account with the Chase Bank located at : XXXX XXXX XXXX XXXX ; XXXX, FL XXXX on XXXX XXXX, XXXX depositing {$2800.00}. On XXXX XXXX I also deposited a business check into this " new '' account in the amount of {$1500.00}. On XXXX XXXX I received a letter/note from the bank that one of the deposited checks in the amount of {$1800.00} was " returned '' to the bank. This was not my check but a check given to me by a company named : XXXX XXXX, located in XXXX, NJ. Not to my knowledge ... this check was fraudulent. The bank charged back my account the {$1800.00} and added a " returned fee '' of {$12.00} against my new checking account. This left a balance of {$2400.00}. I received a call from the bank on XXXX the XXXX stating that my new checking account was to be closed because I was a new customer and there was a returned check already on my account. I was out of state at that time and returned 2 days later. XXXX XXXX : I went to the bank to inquire the current status of my checking account and was told by XXXX XXXX XXXX that my account was closed. I asked why and XXXX XXXX stated because the account was new and there was a check deposit which was returned, it was decided to close-out the account. I was not happy with that decision as I am a XXXX year old individual and wanted to bank at this Chase location because of its close proximity to my XXXX home. But no luck-the account was closed! I requested my balance of {$2400.00} and was told no! as it would be processed and mailed to me. I was angry : WHY? when the new account was closed ; and now my money is not available to me? So XXXX XXXX referred me to the bank Branch Manager : XXXX XXXX XXXX who came over to XXXX XXXX ' desk and when I told her I was unhappy with the bank 's decision to close my account ... that I would file a complaint. XXXX XXXX stated that she " would not talk to me ; not explain why I could not immediately receive my money '' because, as she said : " I was going to the authorities or social media '' and she left me alone with XXXX XXXX ... never hearing or answering my simple questions. My complaint is the attitude of the employees of Chase, especially the Branch Manager and that my NEW cheking account was closed and I still do not have access to my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XX/XX/year> Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear stupid XXXX Equifax, After carefully reviewing my credit report, I noticed that the following accounts listed below are inaccurate. 
The open date, the date last active, the date of last payment are showing inconsistently between all three credit bureaus. I was reading over the Fair Credit Reporting Act Section XXXXe ( b ). You are supposed to assure maximum possible accuracy. Can you reinvestigate the accounts listed below? 

XXXX, XXXX XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section XXXXi of the fair credit reporting act. 
After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section XXXXi ( XXXX ) of the fair Credit reporting act. 

XXXX XXXX XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section XXXXi of the fair credit reporting act. 
After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section XXXXi ( XXXX ) of the fair Credit reporting act. 

Sincerely, XXXX XXXX
Product: Credit card

XX/XX/XXXX XX/XX/XXXX comenity bank i pay this but is in my credit the dept is payoff already
Product: Debt collection

Back in XX/XX/2019, I got a call from This business with a man name XXXX on the phone. Calling about debt with Kia for a car I co-signed with my son. He went on to explain to me since I have a current car with Kia, they have offered a deal. A deal of XXXX instead of the full almost XXXX I explain to him I did not have that amount on me. He asked if I could pay 10 % then they would lease XXXX I would only have a balance of XXXX. I did not have the money then. I told him that the day wasn't a good day for me. My father had a XXXX XXXX and XXXX. He went on to tell me how I did not want to look as if I was refusing to pay and then it would hurt my credit. He goes on to offer a monthly payment plan he lowered it to XXXX and once the XXXX another XXXX would be reduced since I'm paying my current Kia account on time. I said ok it would hurt me but once I made the XXXX I'm good and I can then chip away at the XXXX. I requested proof to be mailed to me. 
Made XX/XX/XXXX and XX/XX/XXXX payment. 
Today XX/XX/XXXX something isn't feeling right to me about the payment plan, other than I have no money after making the payment. I called today and spoke with XXXX ( XXXX is no longer with the company ) she tells me she doesn't see the offer. she does see where the company offered the XXXX but nothing about the XXXX in payments it would reduce it more. That I did not have a set time to pay this amount. XXXX also wanted me to pay with a portion of my tax return. ( I don't even get refunds ). Everything he told me was a lie ; I was thinking about making these payments I could have less debt reporting on my credit report and pay that large amount down. so I stopped paying other debts to take care of these. This is why I don't answer unknown numbers. I feel like he took advantage of me during a time my father was sick and I was there, and me not trying to be rude.
Product: Debt collection

I spoke with a XXXX XXXX from Admin recovery on XX/XX/2022. In that phone call I requested all phone contact cease and further correspondence be handled via mail. I have received phone calls since that time, including from a different number than the original caller but from the same organization.
Product: Debt collection

My federal student loans were transferred to Mohela from XXXX. In XX/XX/XXXX, I completed an application for an IDR plan with the Dept of Education and Mohela, specifically the SAVE plan, as I have always been on an IDR plan with these loans since I began repayment in XXXX Mohela repeatedly denied my application, even though they had all the information and documents they needed to confirm my eligibility and calculate my payment. I repeatedly called them to attempt to resolve the issue, and I received conflicting communication via telephone and letters. In XXXX XXXX Mohela placed me on administrative forbearance because they could not timely process my application, even though I would rather not have been in forbearance because it doesn't count towards PSLF. In XXXX, Mohela informed me that I had been placed on the SAVE plan and would have a XXXX XXXX  monthly payment. But then they unilaterally removed me from forbearance at the end of XX/XX/XXXX, but did not begin my SAVE plan until XXXX XXXX. In the meantime, Mohela withdrew {$1200.00} from my checking account on XX/XX/XXXX for a payment on a " standard '' or " level '' plan that I never asked or consented to be on, and that I never should have been on, because I was always on an IDR plan ( including when my account was transferred from XXXX to Mohela ), I had already completed my application to be put on an IDR plan, and Mohela had already determined that I was eligible to be on the SAVE plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated Credit Report, the incorrect information are still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After checking my Consumer Report and viewing my Credit Score. I find TRANSUNION is violating my rights as a consumer by reporting late payments on my Consumer Report.

I am making the following complaint and dispute against TRANSUNION on the basis of violating my rights as a consumer by reporting on my consumer report an EXCLUSION. A report containing information solely as TRANSACTIONS or EXPERIENCES between the consumer and the person making the report. A complete violation of my rights as a consumer in accordance with 15 US Code 1681a and 15 US CODE 6802. A line item listed on my consumer file as LATE PAYMENTS 30 day past due, 60 day past due Your company TRANSUNION is in direct violation of 15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction and 15 US CODE 6802 Obligations with respect to disclosures and personal information. It is unlawful for TRANSUNION to report my transactions and experiences between me ( XXXX XXXX XXXX the consumer ) and XXXX XXXX XXXX XXXX ( The person making the report ). However, XXXX XXXX XXXX XXXX ( The Person making the report ) has reported to TRANSUNION my TRANSACTIONS or EXPERIENCES. However, a consumer report has been reported to TRANSUNION and by TRANSUNION on my consumer report. A consumer report by TRANSUNION listing my TRANSACTIONS or EXPERIENCES shall not be reported or include a report furnished by or from XXXX XXXX reporting my TRANSACTIONS or EXPERIENCES. According to15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. According to the law as it is written the term consumer report shall not be reported under the law regarding EXCLUSIONS as it is described below. My complaint against TRANSUNION does meet the standard set by 15 US CODE 1681a ( 2 ) s-3 - Definitions ; rules of construction. Therefore, I am demanding that TRANSUNION remove the Consumer file listed as LATE PAYMENTS with XXXX XXXX from my Consumer Report.
Product: Credit reporting or other personal consumer reports

I'm following up on my previous complaint with reference number XXXX. Although the credit bureau responded by deleting some inquiries from my credit file, none of the items I specifically complained about were addressed. The companies I listed, which legally accessed my credit under the provisions of 15 USC 1661B, include : XXXX XXXX XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX and XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I provided this list to TransUnion as instances of unauthorized credit inquiries not authorized by me. However, TransUnion technically sidestepped my initial request. I kindly request that my complaint be forwarded, and that the appropriate investigation be conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the wrong hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed account with Experian before and yet accounts somehow are still being reported to them with violations in which theyre supposed to verify the accuracy of which the reportings are and remove them if found. XXXX XXXX XXXX is reporting inaccurate information on the reporting and even so reporting a past due on this account which is a violation per the FCRA. This is considered a collection account and collection accounts can not report a past due balance which in this case they are. This account also has inconsistencies with the balance being owed for Experian {$3300.00} and XXXX  as {$3300.00}. They both have the same account number # XXXX but yet reporting different balances when theyre getting the same information from the creditor but differ. 

XXXX XXXX XXXX Has another account for which its reporting a past due balance and is violation. Account number # XXXX which I will provide documentation
Product: Mortgage

I contacted several mortgage companies a few years ago to refinance and chose USAA. I asked each one of the mortgage companies if I could make bi monthly payments to pay down my mortgage sooner and USAA said yes. After the refi was complete I reached out to set up my extra payments and was told that I had to pay to participate in a program to be able to make extra principal payments. This is my complaint. I should not have to buy a program to pay off my mortgage with extra principal payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX is a company for PROFIT, this company never really does any Disputes. This company dispute process is done by an old computer by the name of XXXX XXXX XXXX  XXXX and XXXX XXXX  a data holding tank. In fact more than 70 % of the dispute process is done in many 3rd world countries. NOT IN AMERICA. I sent in a complaint and a dispute, under The FCRA 609 ( a ) ( 1 ) ( A ) to XXXX, they came back with ALL computer responses. The company will follow the LAW, they have already made BILLIONS of DOLLARS for maintaining BAD information, INCORRECT information, when ask to provide the documentation, they never had it, never seen it, nor can show ANY consumer a copy of it FROM the creditor. Credit is SO IMPORTANT in the United States of America, we allow other countries to handle it for us, some will call it cheap labor, which NONE of them, have been trained to understand the FDCPA, FCRA, many of them do not speak English, just the script they have been taught, to read.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because I noticed XXXX XXXX  reported hard inquiries in XX/XX/XXXX and ( 2 ) in XX/XX/XXXX on my credit reports. I am requesting the removal of these inquiries from my TransUnion credit reports. 

When I called about an overdraft issue, I spoke with a representative, and she talked to me about the different available offers XXXX  had for me. I agreed to the hard inquiry to increase my credit line and refi. Unfortunately, the number of inquiries I ended up receiving from XXXX XXXX  on my credit report was more than I expected My husband and I are currently in the process of applying for a construction loan to build our family 's dream home. The negative impact of these multiple inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The XXXX, NY XXXX XXXX XXXX [ Insert Today 's Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Regarding Unauthorized Access to My Student Loan Information by XXXX and XXXX XXXX  Dear CFPB Complaint Intake Officer, I am writing to formally complain about a serious breach of privacy and potential misuse of my personal information related to my student loans. I have reason to believe that an organization known as XXXX. and individuals or entities associated with XXXX XXXX have gained unauthorized access to my student loan records and personal data. 

As a borrower, I entrusted my information to student loan servicing entities with the expectation that it would be protected in strict accordance with the law. The possibility that third partieswithout my knowledge or consentmay have accessed my personal financial data is deeply concerning and constitutes a violation of my rights under existing privacy and consumer protection laws. 

I am requesting the CFPB to : Initiate an immediate investigation into this matter to determine whether my data was accessed without authorization. 
Clarify the role ( if any ) of XXXX. and XXXX XXXX in obtaining or using my information. 
Provide transparency into whether government agencies or loan servicers are sharing data inappropriately with external individuals or organizations. 
Ensure corrective actions are taken to prevent any further breaches of privacy or misuse of my financial data. 
I am concerned that this incident may violate federal privacy laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), and may expose me to financial harm or identity theft. 

I appreciate your immediate attention to this matter and request a timely response outlining the next steps. 

Thank you for your support in safeguarding consumer rights and data privacy. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I am attempting to close a home mortgage with Citi. They approved my file and sent me a commitment letter on XX/XX/2020. They still have not closed, and each time I ask for an update, they add 4 - 6 weeks to the closing timeline. For instance, on XX/XX/XXXX, they told me that my file would be in the queue for final review and closing in " 5 - 6 weeks. '' When I followed up 5.5 weeks later, on XX/XX/XXXX, they told me " another 4 weeks. '' Even worse, my file was completely updated in XXXX with all necessary information. Since that time, Citi has asked repeatedly for updated personal financial information from me and my wife, even though the reason the initial information expired was solely due to Citi 's own closing delay! Every few weeks I have to send a trove of sensitive personal financial documents to them. It's like we're on a treadmill, they can't set a closing date, but then they also want continual new information from me. It is a major burden to send all these documents every few weeks. 

Worst of all, Citi is offering me a discounted mortgage rate in exchange for moving my personal bank and investment accounts from XXXX and XXXX  XXXX XXXX. They pressured me to move these accounts over quickly, which I did in early XXXX, even though it was a huge hassle and I preferred to keep them at the original banks. Yet they can't even close the mortgage, and now my accounts have basically been held hostage for months ; if I move them out of Citi, then Citi will take away my preferred mortgage rate. I just need Citi to close this mortgage! 

Citi has even admitted that other applicants, who did not provide their personal information in a timely fashion and who have incomplete files, are taking priority over my application, just because they submitted their applications first. I can't win -- I get Citi all of the info they ask for, and then I get penalized for it by being asked to update that information every few weeks, while other applicants can't even get their first round of information in. Yet those other applicants are ahead of me in line to close!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per XXXX and XXXX and Experian the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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