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

Chase Private Client consumer compliant : On XXXX XXXX, I checked the online XXXX app to ensure that a wire deposit had been made to my estate account. At that time, I recognized that a deduction of {$220000.00} was made from the same account. I called the branch and rushed to meet a banker. For more than two hours, we worked to discover that my estate documents were inaccurately handled by the compliance department. My banker, XXXX approved the documents and they also went through several rounds of approval with the Legal Dept. at Chase. Once the documents were approved by Chase, I went into the branch to open up an Estate Account with the estate EIN number. Once the account was opened, I transferred assets into the account from banks in Washington and several other financial institutions. There are still more assets coming into the account. 

When speaking to the banker and the compliance dept. an XXXX for remediation including a stop payment of the cashier 's check and reinstatement of the funds as well as a reopening of the account was stated ( on a recorded line ) at 48 hours max. That max XXXX remediation timeframe was met and exceed on XX/XX/10 at XXXX XXXX. I have called my bank XXXX without answer. I have sent email requests to the branch manager and private banker that go unanswered. I have reached out to contacts on XXXX, via email, on XXXX, on XXXX, and via contact us forms for Chase and Private Client areas of the bank. I have received NO response outside of one in which the banker stated that they were looking into it and would get back to me. That was at XXXX this XXXX  and I have called the branch XXXX today, but no one answers and no one responds to my email requests for an update. 

The funds have not been reinstated into my account and I have no idea of the status of the cashier 's check. There has been no follow up and the entire handling of the situation has been irresponsible and dangerous. My assets are not safe with Chase and my assets are not safe with Chase bankers or representatives handling them. I need assistance getting my funds returned to me so I can close out my Chase accounts. I also want to avoid a situation like this happening to another customer due to the lack of checks and balances, error prone processes that leave customers vulnerable to negative impact, and the horrible customer service that Chase provides where they blatantly disregard the best interest of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with credit acceptance. They have been reporting late payments for YEARS after the account was closed. I've called multiple time to settle the past 6 months and they won't let me pay. I was informed today they sold the dept to the US attorney General for insurance and financial. This has significantly harmed my account.
Product: Mortgage

This complaint is in relation to CFPB Complaint : XXXX I initially filed a complaint because my lender/servicer, Freedom Mortgage, wasn't getting in contact with me about their refinancing programs. Since about the middle of XXXX we've been working towards agreeing to terms and closing on our refinance with Freedom ( after a fair amount of back and forth and rate adjustments/comparisons with XXXX XXXX ). I was told that we'd be closing at the end of XXXX. 

As of today I have spoken to more representatives of Freedom Mortgage than I thought I would ever need to speak with. I've been continuously sent back to underwriting for errors that Freedom admits to such as not providing {$1500.00} in lender credits as it just " disappeared '' off of loan estimate paperwork.

I have now had to pay two additional mortgage payments ( about {$350.00} more per payment than our refinanced monthly payment will be ) for XXXX and XXXX during a pandemic where our dollars are already stretched. I have requested that Freedom Mortgage provide approximately {$700.00} in credits as the loan did not close back in XXXX as promised but have been told I'm already being offered the maximum amount of credits. 

I have been passed around to various employees and have asked to speak with supervisors and managers with very little success. Most people are nice enough on the phone but have not been able to resolve any of my concerns at at this point I believe they are stalling to close our loan in hopes we go elsewhere. 

Thanks! 
-XXXX
Product: Debt collection

I received an official looking letter from a company called Convergent, trying to collect a debt that I dont owe and know is a scam. 
After looking up this company, I know its a scam. Theyve also tried sending my friend letters like this before, pretending to settle the debt for a lower amount. 
Theyve already scammed me out of hundreds of dollars before I realized what they do.
Product: Money transfer, virtual currency, or money service

For weeks I have been trying to resolve this issue with PayPal but they deny me each time, someone used my social security and opened a loan under my name for some flight ticket but PayPal is saying I authorized it and Ive tried to show errors on their first fight change was wrong description initially but my first unauthorized was denied because they are saying it was me who made the purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} Pay Monthly {$1300.00} Transaction ID XXXX Ive contacted trip.com but they dont help me and PayPal keeps denying my claim so dont know the person who booked the flight
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have lots of information in my credit information that are inaccurate, Unknown and Unauthorized. It is affecting my job and livelihood, please help me dealing with the Bureaus to get those off my credit report
Product: Debt collection

I have been hit with a collection in the amount of {$130.00} from a collection agency that I cant get a hold of. I have tried to call the original creditor listed on my credit report as XXXX and I keep getting sent back to a collection agency that does not answer. The collection agency number I was given is XXXX and the name of this company is Revco Solutions. This collection is negatively effecting my credit.
Product: Debt collection

I'm writing to dispute inaccurate information regarding a closed account that appears on my credit report. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The specific account in question is as follows : - Account Name : XXXX - Account Number : XXXX - Disputed Item : Account status showing as Closed and incorrect balance - Reason for Dispute : Account closed inaccurate balance debt validation was not confirmed by creditor. I believe this information is inaccurate because the furnisher has provided inaccurate information and has written the debt off hat support my position. The original creditor is no longer in business and debt was purchased by XXXX XXXX XXXX. The furnisher has not debt validation with detailed billing charges and service agreement from original creditor. I request that you investigate this matter promptly. According to 15 U.S. Code 1681i, you are required to investigate my dispute within 30 days of receipt of this letter. Please correct or delete the inaccurate information and provide me with a copy of my updated credit report. Furthermore, under 15 U.S. Code 1681s-2, I request that you notify the furnisher of the information about my dispute and ensure they conduct their own investigation and report back to you with their findings. Please confirm receipt of this letter and inform me of the steps you will take to investigate and resolve this matter. If you have any questions or need further information, please contact me via email at XXXX. Thank you for your prompt attention to this matter.
Product: Bank account or service

SunTrust Bank received a payoff on a consumer loan for a double wide mobile home in my name and my wife 's name and instead of sending us the title they filed a lien in the name of XXXX bank and forwarded the title to XXXX bank whose sole role was to issue a check for us. XXXX Bank has no financial interest in our loan on our double wide trailer. Additionally XXXX bank is unable to deliver the title to us as they do not seem to have it.
Product: Debt collection

From what I understand, starting in XXXX XXXX, Hunter Warfield initiated reporting an account on behalf of XXXX XXXX XXXX that is wholly inaccurate and only getting worse. The original debt was listed as {$1800.00} and last reported, XXXX XXXX, as {$2000.00}. I disputed it a number of times explaining I do n't owe anything to XXXX. This debt is not my responsibility, nor is the ever-growing balance, yet H.W.  continues to verify it when I dispute the account to the various reporting bureaus. They have yet to explain the increase in the amount, nor have they provided any validation of the debt in response to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I am sending this email in regards to the unfair acts from the credit bureaus ( all three ). I have made several complaints with each bureau, the consumer financial department and FTC. FTC was actually the organization that directed me to put in a complaint here. This is all new to me so please bare with me.

I analyzed and repaired my own credit and was successful enough to get the results I wanted but not fortunate enough to get the score that's earned. I have been working delegently on my credit report for about 3 years now. I understand what was needed to repair my credit and I did so, even if it required me to pay off the debt ; I did what was necessary. 

I was very excited about the process and the possible outcome until I realize that my score hasn't moved much since I started ; That's when the disappointment came. Within 3 years, my score would go up and then drop again. I know you probably believe I am a person that has alot of collections, because I apply for credit and never pay the creditors back. Nope! I can't even get a department store credit card, because I am set back by the credit bureaus. I will need cash for everything and how easy is that to come by living in poverty. And even still, I don't make irrational decisions like that. I've noticed in the past 3 years, the credit bureaus will for example : take my score from 617 to 598 then take it back to 617. It will never move beyond those numbers even with good standing accounts.

Something doesn't seems right. I've open up two secured credit accounts with my bank about 8 monthd ago. Accounts are paid on time and when reported to the credit bureaus, they will not raise my score. I've even opened up an additional secured loan to help me and nothing. My score remains the same which is unfair. I have no delinquents or collections and my credit score looks bad. 

My report doesn't reflect my score and this is holding me back tremendously. All I am asking is that my case can please be heard and reviewed. I did all I can do on my end to better my credit report and I feel stuck in a limbo. I believe there is an error or some type of bias going on, because I can't seem to understand this process and how consumer 's aren't being treated fairly by the credit bureaus. 

This is probably happening to alot of consumers, but noone isn't noticing, so they can't complain. I always observe my report, especially because I'm working on it and I have noticed an unfair pattern that I am very disappointed about. Can someone please assist or point me into the right direction? Thanks in advance. 

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

I have noticed two credit card accounts on my credit reports with the following companies : XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Those accounts were not opened by me and are a result of identity theft.
Product: Vehicle loan or lease

I called twice asking for title and the last time I was told yes the car was paid off in XX/XX/2022 and that my credit report has XXXX balance paid off. I was also told they would expedite my title and I have yet to see my title and I still see XXXX balance still on my account. They acknowledge the notes from the last person I talked to and that they closed my account and requested my title to be sent out.
Product: Mortgage

In XX/XX/XXXX I secured a {>= $1,000,000} second home mortgage on an oceanfront property on XXXX XXXX XXXX from TD Bank, N. A. Due to Covid restrictions, the application was conducted entirely online and via phone, not in a TD Bank branch office. At no point was I presented with a form to arrange for automatic payments on the loan. When the first payment was due on XX/XX/XXXX, I struggled to find a way to make the payment but eventually found an online payment portal. I entered my payment account information for XXXX Checking and made payment. I assumed that TD Bank would store the banking information and withdraw funds automatically each month on the due date. Unfortunately, this was not the case. The statement regarding my loan was sent to my primary home at XXXX XXXX XXXX, XXXX XXXX, MD XXXX but I was staying at the property on XXXX XXXX XXXX and did not receive it. As a consequence, the payment for XXXX did not post and I was not aware until returning to Maryland in XXXX. Upon learning of the late payment, I promptly submitted another one-time payment for both XXXX and XXXX in the amount of {$33000.00} on XX/XX/XXXX. I sent two separate letters to TD Bank 's dispute department requesting a goodwill removal of the late payment from my credit report, both of which were denied. I offered to prove that I have far more than sufficient funds to cover the payments at the time and that it was confusion over their payment portal ( and the lack of automatic payments set up during the mortgage application combined with being out of town when the late payment notice arrived at my home in Maryland ) and not an inability or unwillingness to pay on time that resulted in the late payment. I have never missed a payment on any credit account in my 46 years. The late payment report to the credit bureaus resulted in a highly deleterious effect on my credit score, dropping over 100 points from the mid 800s to low 700s. TD Bank is correct that the payment was late but is unwilling to concede the fact that their mortgage team failed to present me with automatic payment arrangements when issuing the loan or that their Byzantine process for submitting payments online greatly increases the chances of confusion over " one time '' payments and recurring payments. I was asked to complete a paper form and mail it to TD Bank in order to arrange automatic payments, which is now in place and payments have been submitted on time for XXXX and XXXX, the two months following the late payment. In spite of the extenuating circumstances, TD Bank still refuses to remove the late payment from my credit report. Loan applicants to TD Bank beware. Unless you have a credit card or checking account with TD Bank, you can not even create an account for online management of your mortgage account. The system seems designed to cause late payments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized accounts and transactions on my credit report that I believe are a result of identity theft. I recently discovered that my personal information has been used without my consent, and I suspect that my XXXX  may be responsible for this fraudulent activity. Below, I have outlined the unauthorized account and transactions that have been reported on my credit report : XXXX XXXX XXXX XXXX 
I believe that my XXXX  may have used my personal information to open this account and carry out these transactions without my knowledge or consent. I have reason to believe that he had access to my personal information, such as my Social Security number, date of birth, and other identifying details, which could have been used for these fraudulent activities.
Product: Checking or savings account

i deposited checks and cash on atm teller XXXX weeks later bank just took? XXXX of my account saying transaction was short {$1000.00} with no explanation just took money i been calling them talking to them no responce they lie they send letters explaining they never have .my mortgage didnt got paid my phone i was out of town left money for my bills to get paid, with no money because they deducted money from account, i spoke to tellers no one knows noting about the case then send me to different departments for hours on the phone then they just closed my account my cash money never appear finally they send copies of the checks only because i requested several time but the cash never appear.
Product: Debt collection

I recieved notice of a cell phone debt that i never open or approved. Jefferson Capital System started reporting this debt on my credit report without notifying me of the debt. I have tried calling them and disputing the debt with the XXXX XXXX XXXX and XXXX. Jefferson Capital System keeps reporting this debt on the credit reports.This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I, XXXX XXXX have rights to privacy and rights have been violated. Pursuantb to fcra 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681 ( b ) ( a ) ( 2 ). i have not given Experian, XXXX or XXXX any permission nor verbally nor written to furnish, sell or give away any of my information. I have opted out of them giving away any of my information and they have not abided by my rights to privacy. Experian, XXXX or XXXX have verified or updated accounts without proof of what they used to verify them. the accounts in question are XXXXXXXX XXXX XXXX ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts should be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and found unverified accounts. I had previously disputed this account. I have never done business with the listed consumers. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begins 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. Please Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( PAID IN FULL BUT STILL SHOWING ON MY CREDIT REPORTS
Product: Credit reporting

I went through a bad divorce and my former spouse, who I ran from, stopped paying all joint debts. The truck he drove was repossessed and he would not pay the mortgage for the house we built that he lives in. We were also joint on a house his mother lives in. I obtained a divorce in XX/XX/XXXX. I went back to Court to try to get him to sell the house, but he has ignored all Court Orders. I could not afford to spend any more money on going back to Court when it did nothing. I was advised by counsel to file for Chapter XXXX bankruptcy because I could not afford to pay for my son and I to live and my former husband too. I completed a five year Chapter XXXX Bankruptcy starting XX/XX/XXXX and was discharged in XX/XX/XXXX. In an effort to have a fresh start, I disputed and cleaned up my credit report which had some discharged debts as owing. The only creditor who would not recoginize the discharge and still has me owing a discharged loan is XXXX XXXX XXXX. The loan was originally XXXX and XXXX XXXX XXXX even kept the same account number. I have disputed this loan several times and the loan showed a XXXX balance at one time, but XXXX XXXX XXXX reported it as open with a balance after that. I do not pay this debt and I did not reaffirm it. I recently disputed it again with XXXX who deleted the account. I recently applied for credit and it still shows up on XXXX and Equifax. This is impairing my credit and ability to make a fresh start. Some days I wonder what I went through the Bankruptcy for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company asking for additional information that was already given ( drivers license and social security card )
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my right. 

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 an account without my written instructions.
Product: Debt collection

XX/XX/19 and XX/XX/19 I received responses to the disputes I sent them originally requesting a HIPAA release signed by me to show they had authorization to collect information. The letters included their right to collect the debt as well as other requested items. They did not send HIPAA release form or signature. I also sent the same letter to XXXX  and they too have not replied or released the HIPAA form I requested. United Revenue Corp called my disputes vague and stated they would consider them frivolous. I have made them aware this is damaging my credit and to please stop reporting due to their no response.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting a collection account listed as credit collection but have provided no evidence on how they validated this alleged debt, this is a violation of my federally protected rights. This account has it been verified because I have signed no contract with this company nor had any account. Delete this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX : {$6000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX