23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am a documented victim of identity theft. My mortgage company had a breach of information and all of my personal account information ( SSN, drivers license, personal information ) was stolen. During this time, an individual stole my mail, diverting all of my physical mail to an address in XXXX  ( I live in XXXX  ). They then opened a fraudulent JP Chase Credit card account in my name. The individual then charged almost {$10000.00} to this fraudulent credit JP Chase Credit card -- - for " Intensive Therapy. '' [ A fraudulent business which listed my name and and my home address as the place of business, billed me on invoice # XXXX, for a credit card opened the day before, for XXXX session of therapy totaling close to $ XXXX at my home address. In an of itself, this should have been thrown out ] The invoice is fraud, the account is fraud, and the charges are fraud. However, JP Chase Credit company will not resolve the dispute of transaction, claiming I requested the card and set up the card using my phone. I have provided Chase with documentation from the XXXX XXXX XXXX that my mail was being stolen. I have provided Chase with phone records that I did not make a call to activate the card as they state. They are still denying and saying I made the charges. I have tried to resolve the issue with Chase -- but they have XXXX customer service. I get a canned response, a XXXX line letter saying that they did a review and the charges are valid. I have provided packets of documentation showing the contrary. I am a documented victim of identity theft. 

I have had this reviewed multiple times and can not get anyone from Chase to resolve this issue. I am now being held liable for these fraudulent charges because of Chase 's incompetence, it's failure to protect its customers, and its violation of XXXX XXXX of Rights. I have provided them with information that my identity had been stolen ( through my mortgage lender breach - letter attached ), a copy of a police report ( attached that showed my home address was changed, and I was a victim of identity theft ), and provided all relevant information, as well a fake business receipt which looks like a XXXX XXXX XXXX developed it. Still, I am on the hook for this money and have received XXXX help or support from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting account # XXXX date opened XX/XX/2012 as late  payments, but has failed to accurately report those late payments. I told Transunion that the account is in accurate and does not list a date of removal. Transunion stated it was because XXXX XXXX XXXX has never reported the actual date the account was late. XXXX has sent me a letter about the late payments and it does not match what is reporting on my Transunion credit report. Transunion fails to remove it for violation of accurate reporting. I would also like XXXX to remove this account as well because the same is happening with them too.
Product: Mortgage

Hello I am sending this complaint because we have had the worst experience with this company. Based on my research this company has a 1.4 review score online. Everyone is complaining about the same issue. Not being able to get the proper customer service when needed. There also seems to be a high turn over within the company. I spent up to 4 hours today trying to reach a representative to get help with my loan to only be transferred around through their automated system. Even the website is so vague you can barely get information. The email address is also blocked. The company that I am sending this complaint against is LoanCare Mortgage Company. I do not understand how this company has not been investigated yet and how a company that has so many complaints and a 1.4 review is still in business. We were in Forbearance from XX/XX/2020 to XX/XX/2020 and this company does not seem to have all of there documentation to show when our forbearance started and ended. We were told that our forbearance was from XXXX to XXXX but that is not accurate. So we are trying to resolve this by asking for the original forbearance agreement that we never received but we can not reach anyone in forbearance. This department does not seem to exist, instead you just get a never ending automated system. The Refinance Reps will tell you they will transfer you to a Forbearance Representative but you never get to speak to a human only an automated system that gets you no where.
Product: Credit reporting or other personal consumer reports

Over several months the company refuses to help. When setting up a credit monitoring account the system gives me an error : We have encountered an internal system error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOWEVER, when I call the system always sends me back to the website and ends the call. 
I have call during the day and hours they require. 
I have tried describing the error multiple different ways. 
There is no way to solve the problem on the web or over the phone.
Product: Debt collection

As a consumer and the natural and original creditor i have been violated by this company based on XXXX XXXX XXXX XXXX XXXX ( XXXX ) that i have to give written consent to report anything on my consumer report and i have no idea of this collection nor have i signed anything giving them permission to furnish a copy of my report or report negative accounts which is currently damaging my consumer report. I am demanding this account be deleted and removed from all consumer reporting agencies. Also i am attaching a validation of debt letter that i am demanding a copy of the ( original signed document ) attaching to to the alleged debt. Further legal litigation will be taken if these terms are not met!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$4800.00} This is not my account fraudulent activity
Product: Checking or savings account

on XX/XX/2022 I was notified that someone was declined overdraft coverage for an account ending in XXXX with Truist Bank. I did not open this account- it is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account # - XXXX I disputed the referenced account above on XX/XX/2019 with Equifax . The credit report obtained on XX/XX/2019 and their credit report # XXXX showed this item was deleted from my credit file. Now this item has been reinserted on my Equifax credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting Equifas complete compliance with any and all the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date : ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and, ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

To date, I have not received any such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Equifax can avoid such action by immediately deleting this listing from my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX Balance : {$37000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE ( opened XXXX. XXXX, 2017 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

CMG mortgage is still threatening to foreclose even though the mortgage payments are up to date unless we pay late fees which we should not have to pay due to our previous complaint. 
They are bullying us. They are totally unfair. 
We want an apology and a waiver of the XXXX months late fees.
Product: Mortgage

Submitted my financials and modification request to Shellpoint mortgage several times. I've retired because of bad health, my interest rate is adjusting out frequently and I'm on a fixed income I don't want to loose my home Shellpoint has been difficult to work with.
Product: Credit card or prepaid card

I applied for a Capital One credit card and was denied. I called them to get an explanation of the reason for the denial. They could not say anything but the reason that was generated and makes no sense if you read it. " Based on your credit report from one or more of the agencies on the back of this letter, income is insufficient for amount of credit requested ''. This does not explain in reason why I was denied. A person 's credit report does not provide income information. Also it does not explain how much credit I was applying for. So how can they base a decision on information they don't know. I was told to reapply that is the only thing I could do and no explanation.
Product: Mortgage

Yesterday, XX/XX/2021 in the evening I was misled by XXXX XXXX XXXX of AmeriSave Mortgage Corporation, that to get an estimate of good faith on the mortgage I was applying for I had to pay {$500.00}. The following day, XX/XX/2021, I called XXXX XXXX XXXX and told him that I was quoted a better rate of 2.875 % and that if he can match it from what he had quoted me at 2.99 % then I will consider staying with them. He asked for a copy of XXXX good faith estimate and he said XXXX bring it to his bosss attention. I sent it to him. Then he called me back again later and demanded a new estimate from XXXX because they would NOT match it, since it was dated a few days prior. I told him I cant do that because XXXX had already locked in the rate. Why would I request another good faith estimate? He said they wont match XXXX rate unless it was updated. I then told him that I am requesting a refund on the {$500.00} I paid last night, since it hasnt been 24 hours and they wont honor matching XXXX  rate. I was told that my payment was non-refundable and they wont give it back. I feel they are doing unfair business practices of misleading consumers and not refunding their customers. I dealt with four different companies on this matter and only AmeriSave asked for {$500.00} upfront to process a good faith estimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this company to report each month to the credit agency 's our monthly payments and correct balance for almost a year now. I have been monitoring my husband and I credit report every month and to no avail American Credit Acceptance will not report every month like they should. Which is causing every month for my debt to income with my car loan not to decrease every month. I received my credit report from XXXX  today and the last time this company reported was XX/XX/19. Today is XX/XX/19, and they have not reported my XXXX payment. I was told three months ago when I spoke with a rep that they knew of the problem and would fix it, but the problem still exist on my husbands and I credit reports. My husband and I could not be the only consumers having this problem. I pay them every month, they need to report to the credit agency 's every month. If they didn't get their payment I bet they would report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

Toyota Financial Services has an auto draft option that I have set up on their website. My last payment on the invoice was {$660.00}. Toyota Financial Services draw drafted incorrect amount of {$660.00}. Therefore, there was an overpayment of {$0.00}. I understand that it is a small amount but that is still my hard earned money. At the same time, it is their system 's fault that it drafted the incorrect amount. I contacted their help support XXXX times and in their latest response, they stated that because the money is less than {$1.00}, they refuse to send a refund check. If this is the case, this is not a good practice. If they have a system issue and decided to OVER draft millions of customers. 
XXXX XXXX or any small amount less than {$1.00}. If they overdrafted XXXX XXXX customers, that is potentially up to $ XXXX they are KEEPING because they refuse to send a refund check for less than {$1.00}. That doesn't sound right to me. They should FIX their system OR refund every penny they INCORRECTLY drafted from customers like myself.
Product: Credit reporting or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Product: Student loan

*Approval of the PSLF was received XXXX XXXXXXXX on XX/XX/XXXX XXXXBefore forgiveness was finale the loan servicing transfered to Mohela *Mohela claims not to have any of the paperwork for this PSLF program and require me to resubmit all of the documentation *Mohela has given 30 day timelines to respond and no response has been received *I am still having to spend hours on hold multiple days per week attempting to reach anyone at Mohela who can assist *My loans are still not forgiven as previously approved for the PSLF and as of XX/XX/XXXX I am being told I now no longer meet the qualifications XXXXMohela has mismanaged my loan documentation and will not follow up as promised. They are providing disconnected phone numbers and not responding
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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.
Product: Checking or savings account

On XX/XX/23 I was making a deposit in the Truist bank at ATM # XXXX at XXXX XXXX XXXX XXXX NC XXXX at XXXX XXXX. The deposit was for {$820.00}. The ATM had an error, refused to make the deposit but kept the money and gave me an error receipt. None of the money was deposited to the account nor was it given back to me. The ATM took the money, did not deposit it, then told me to call the claims center via error message. I called the claims center immediately after and started the process for a claim. I was told 3-5 business days until I would hear from them. I never heard from them. I called back 5 business days later only to have them tell me to wait 3 more days. Its now XX/XX/23 and I call AGAIN only to be told that only {$20.00} was credited to the account and the other {$800.00} was still being investigated. I called the next day XX/XX/23 and they told me there was NO eta on when review would be complete. I was told my account does not meet specific criteria for the payment to be processed. I asked what that criteria was I was told they are not allowed to tell me as its bank information. 

I have since involved several branch managers at different truists to assist. I have been in contact with XXXX XXXX XXXX XXXX XXXX XXXX who was the only branch manager that was willing to help. Have no had a response from him yet either. Todays date is XX/XX/23 and I still have not gotten the full {$820.00} that I attempted to deposit in the atm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address a matter of concern regarding certain accounts appearing on my credit report. 

ACCOUNTS : XXXX  XXXX # XXXX XXXX XXXX  XXXX # XXXX Despite my persistent efforts to dispute the accuracy of these accounts and ensure their verification, I have encountered significant challenges due to a lack of adequate information. Consequently, I am unable to confirm the validity of these accounts. 

Given the limited information available and the absence of proper verification, I strongly believe that these accounts may be the result of identity theft or a mix-up of files. In light of this situation, I kindly request the immediate closure and removal of these accounts from my credit reporting.

While I want to Reserve my intention to take appropriate action in response to the ongoing violations associated with these accounts, I emphasize that my primary objective is the prompt closure and removal of these erroneous entries. By promptly addressing this matter, we can work together to resolve the issue and alleviate any concerns. 

I trust that you share my commitment to maintaining accuracy and fairness in credit reporting. Resolving this matter swiftly and ensuring the accuracy of my credit report are in everyone 's best interest. 

I kindly request your urgent attention to this matter, and I expect a timely response acknowledging the closure and removal of the mentioned accounts from my credit reporting. Once this action has been completed, I would appreciate receiving written confirmation. 

Thank you for your prompt attention and cooperation in resolving this matter satisfactorily. I remain hopeful that we can reach a fair and civil resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an over 30 day late on my XXXX XXXX home mortgage account. I spoke to XXXX XXXX directly and they confirmed that I do not have a 30 day late. The representative provided a transaction history to send to the credit bureaus so that I can dispute. I have since sent the dispute to Experian, XXXX XXXX and XXXX. They still have not changed any of the reporting and continue to verify as accurate even though I have proof that is not the case. This is severely interrupting my livelihood due to an accurate credit reporting. Payment history provided by XXXX XXXX is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

By opinion no need to complain I was advised its up to creditors to observe alert! Frankly if true in my opinion like your agency another hollow protection claimed to help protect the consumers! Rhetorically, I can not concieve how anyone can accept this and allow it for it goes to the heart of an organizations culture! Please try to make that so called fraud alert meaningful! PS I expect nothing!