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

Hello, I am filing this complaint due to Chase unjustifiably and suddenly closing my account and therefore causing me a large number of issues. I would also like to point out this company ( JP Morgan/Chase ) did NOT make any attempt to reach out to me about my checking account being closed. Instead, they locked my online banking account and sent me an email asking me to " sign in '' to check my messages in the online banking account. See the issue with that? Anyhow, the main issue I am currently struggling with is my car payment to XXXX XXXX being reversed after I initiated the payment with funds from my checking account with Chase. This payment was already due on XX/XX/2023 and as I am writing this, it is currently XX/XX/2023. This will affect my credit negatively, and thus, throwing me farther into what seems to be a recurring cycle in America regarding banks taking advantage of American citizens like myself. Upon opening the account, I was also promised {$200.00} USD upon my first direct deposit. I think it is no coincidence that well after I had made my first direct deposit, the account was closed by Chase. I spoke with 6 different agents over the phone ( calling from XXXX ) and I spoke with three employees at two separate branches in XXXX, PA yesterday ( XX/XX/2023 ). At this time, I am considering contacting my lawyer to pursue a settlement for the stress caused and the financial hole I have sunken into all because of Chase deciding to close this account, but I am more than willing to give them a chance to make this right. They are telling me ( after making me go into 2 different branches for absolutely no reason after claiming I would be able to retrieve my funds, wasting gas money and energy ) that they will not be able to provide my funds until XX/XX/2023 and that it can only be mailed to me as a check for the amount. I would like the {$200.00} that I was promised upon opening the account, as I completed all activities that were required to receive this payment, along with the {$780.00} that they owe me from my balance when they closed the account. To clarify, I have spoken to a total of 9 different employees that work for JP Morgan/Chase and they have all told me different things but most of all had come to the conclusion that Chase was unwilling to expedite my check in the mail, despite me possibly losing my vehicle to repossession due to this inconvenience they are causing me, which would then also sink me more into debt and ruin my credit score. Please, help me resolve this. With all of that being said, an expedited check in the mail or the option to retrieve my funds, a total of {$980.00} including the bonus offer of {$200.00} I was supposed to be given, would resolve this for me. If my car is repossessed, I will be forced to take legal action on this bank. Thank you to everyone at the CFPB for all of the help they offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX  ACCT XXXX XXXX ... XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX ACCT # XXXX ... XXXX  ACCT # XXXX ... that are listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$2900.00} Supporting documents for incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian falsely claimed to have had contact with the city on XXXX. Upon reaching out with the city of XXXX they denied any such claims to have any contact with Experian. I will be seeking to pursue further legal action against Experian for their false claims and lack to fully investigate the matter.
Product: Debt collection

The company uploaded the bill that clearly had my name misspelled at my previous address after the time in which I last resided there. It was only uploaded once I filed the claim with consumer finance. Prior to my claim, Transworld Systems ignored my request for any documentation and/or to delete the misleading and false information from my credit report. The company is still reporting to XXXX XXXX after Ive provided them with the affidavit they asked for. Ive yet to receive any acknowledgment. They are currently in violation and reporting falsely.
Product: Student loan

Somebody is hacking my phone they using all my kno getting loans my settlement money & all my XXXX will tell it all
Product: Credit reporting or other personal consumer reports

Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. $ 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. {$1600.00} ( d ), to third parties. 

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that " assure ' means 'to make sure or certain : put beyond all doubt, '' ' [ maximum ' means the 'greatest in quantity or highest degree attainable [, ] ' and 'possible ' means something falling within the bounds of what may be done, occur or be conceived. '' ( quoting XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; XXXX ) comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of
Product: Debt collection

Hello there, Few days ago I found a collection notice in my credit history while checking XXXX app and become very surprised because I always pay my bills. Same day I visited company ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA - XXXX  ) associated with the record and paid everything in full : {$230.00} reported as bad debt. I asked to recall the claim and remove this record because I was never informed that I owe something to this company, however they told me that they cant do that. 

So, here I am looking for an advice and there is a full story below. 

First of all, I always pay my balance at the front desk right after appointment if asked and never had payment issues. 

My kids had been receiving treatment in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX CA from XX/XX/XXXX through XX/XX/XXXX. 

They havent received dental care from XXXX XXXX XXXX as we changed dental clinic since XX/XX/XXXX. 

Also, on XX/XX/XXXX we moved to new house and so our mailing address has been changed. 

Full forward to XX/XX/XXXX : I was checking my XXXX account and found that I have {$230.00} debt collection from XXXXXXXX XXXX XXXX XXXX XXXXn on my account since XX/XX/XXXX. 

I visited this dentistry and paid my balance in full same day. Then, I called them and they connect me with the account manager who told me that they tried to notify me by mail and made several attempts to call me. I asked to recall claim because in fact I was never informed even about existence of the balance/debt, but they declined. 

I double-checked up my voicemail records since XX/XX/XXXX and found only three voicemails from XXXX XXXX XXXX from XX/XX/XXXX that says that theyre canceling my kids appointment due to California guidelines ( Covid related ), on XX/XX/XXXX asking to call them back, and XX/XX/XXXX account manager called me and asked to call them back in my best convenience. I am getting tons of such calls and consider them as a spam, so I did with these because they did not provided me with any information about pending balance or payment issues. 

Simply speaking, I didnt receive any letters, phone calls or emails informing about my medical debt from the clinic. 
I understand they might be sending mails to my old address, but even with turned on mail forwarding feature I did not receive any correspondence. 
However, they had my cell phone and email which could be used to inform me. Which they did not, while claiming that they did. 

My question, should this be considered as unfair practice and a reason to remove my collection record from the credit history?
Product: Student loan

XXXX is a new company that took over my current student loans from Navient. I have had several companies manage my loans since having my loans. I had a in school deferment as well as deferring my loans due to financial hardship. I have not been accommodated at all. XXXX continues to report failure to pay and late payments which has inaccurate. Due to XXXX reporting these items negatively on my credit report, my credit report is heavily affected which has been extremely detrimental to my livelihood. There are currently 16 accounts reporting late payments for 90 day past due for XXXX of XXXX. According to my school schedule for Fall XXXX, I was in school and a in school deferment was suppose to be applied. I contacted the previous company with this information several times. This is a weight on my shoulders and a cloud over my head for the past years. I have attempted to resolve this matter years in and years out. Furthermore, I have been informed different things each time I have spoken to the loan companies. Due to the constant change of management for my loans, how can I even expect for them to keep up with accuracy. I am really at my wits end and this is affecting me tremendously.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a critical matter concerning CAINE/WEINER 's inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations.

I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by CAINE/WEINER is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX I sent a dispute to XXXX, XXXXXXXX XXXX XXXX yet 3 years laterXXXX and XXXX are still reporting it on my consumer report, which is violating my consumer rights. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. 

In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.
Product: Mortgage

In XXXX I asked home point mortgage for a forbearance on my home loan for 60 days On the XXXX of XXXX I went into homepoint financial webpage and tried to pay my mortgage- I had to take off the forbearance and then thought I made my mortgage- because I was supposed to call someone at hpf I thought I was done. On XX/XX/XXXX I went in to make sure my autopay was on but found out my payment didnt go through - Id I made XXXX XXXX and XXXX payment then. HPF is now marking me 60 days late on my mortgage which means my credit score dropped 70 points and I can not get another mortgage for at least a year. On XX/XX/XXXX governor XXXX proclaimed that mortgage companies would not report people late on their mortgage- Ive called the company and written letters to the credit report agencies- Im asking for anyone that was in forbearance to not have their lender report them as late Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously reported this company to Transunion and called XXXX directly. Issue was result in XXXX but they decided to fraudulently add the same notes saying my payment was late when it was in fact never late. The vehicle was totaled out and paid off. Next time this happens I will take legal action against company for discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, working with and through Experian, is the parent company for XXXX whom I am making my complaint against. XXXX offers a 7-day trial for {$1.00} in which you can view all three credit scores from XXXX, Experian and XXXX. I signed up for trial on XX/XX/XXXX and was required to input my credit card information so if I wanted to continue with the trial my card would be automatically charged {$29.00}. If I did not want to continue after the trial, I was to cancel before the trial ended, which in my case would have been XX/XX/XXXX. I do not want to continue my trial, so I called the number listed on XXXX website at XXXX. XXXX does not offer any other way to cancel the trial. It has to be through this number. I called on XX/XX/XXXX, XX/XX/XXXX all day off and on, only to be put on hold for over 2-3 hours each time from their listed hours of XX/XX/XXXX. toXX/XX/XXXX listening to elevator music, only for the music to stop after holding for two hours and forty minutes and no one answers the phone, which forced me to continue this cycle. Today is Saturday, XX/XX/XXXX, creditchecktotal.com hours are XXXX XXXX until XXXX XXXX I called at exactly XXXX XXXX for the cycle to continue. Not only is this horrible customer service, but it leads me to believe, by me not being able to cancel the trial, they will intentionally charge my card.
Product: Debt collection

Text received XX/XX/XXXX and XX/XX/XXXX at XXXX am from company claiming to be Shepard Outsourcing Addressed to name that is not mine Wary of scam due to two different portal links in attached texts Wary of scam due to incorrect name Wary of scam due to not using either of these banks and having no known debts Went to website for Shepherd Outsourcing Called number on site ( XXXX ) XXXX NOTE : number did not match number in texts On phone stated concern of scam Was informed text would be legit Stated that name was incorrect as my name is not XXXX XXXX no PII Employee on phone said phone number was now removed from the account and hung up without providing any further information or reference to confirm this was settled or released from my name or account
Product: Payday loan, title loan, or personal loan

Thankfully, I read the small print first... These companies, typically found through websites like XXXX XXXX or XXXX XXXX, are taking advantage of consumers. These lenders, i.e. NetCredit, XXXX XXXX  etc., are charging up to 149 % interest or more! As if that wasn't bad enough, it targets consumers, like myself, who are struggling financially already. Many of which whom can't get a loan anywhere else due to their credit history or credit score. It's sickening and frankly, I am appalled that the government even allows this! It is disgusting. This is a serious problem that needs to be addressed immediately.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00}
Product: Checking or savings account

I got scammed online, i tried to selly my things on XXXX  and someone texted me that since i got a buyer i need to verified my account on XXXX and then theres one person ( customer ) text me too that she/he already paid the sfee and the price that im selling so i need to veriefied, the person who said she/he working on XXXX said that i need to activate my account and everything so they can give the shipping details of the customer, they said i need to send money {$750.00} for activation and after that they gon na reimbursed me with the payment of the customer and its my first time using XXXX XXXX so i thought its really like that so isent the money because i want my customer to know that im not scammer and i can ship the items right and XXXX asking for money again, and i keep sending money because i want to reimbursed my money thats why, so i contacted the bank and they give temporary claim but after almost a month they got a decision and now they keep getting the money back from them so now i got a negative account. I need help because im Just  a XXXX that wants to sell my things to help for my tuition fee but they didnt considerate it. I hope you guys can help me with these now i got overdrawn on my bank account and i dont know how im gon na pay for it but the bank decided to close my bank as well but for sure i need to pay that money. i will send an attachment on the email because its hard to upload files in here.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.