23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX I requested an investigation to remove inaccurate information from my credit report, XXXX. accounts that are not correct or not mine and address and phone numbers that don't belong to me! The credit bureau has failed to investigate and or remove these inaccurate items. This is my second attempt to have these items corrected. But the credit reporting agency refuses to investigate and provide me with validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter through USPS mail to Equifax on XX/XX/2021. The details of the dispute are inside the letter. Equifax have not responded to this letter. Equifax have not informed me if they have opened an investigation regarding the disputed item/items in the dispute letter. 
Equifax need to provide a respond to me ASAP since it is now way over 30 days. 
Equifax needs to open an investigate to address the dispute within the letter. 
Equifax needs provide details of the investigation.
Product: Mortgage

I contacted Bank of America inXX/XX/2019 to report my original mortgage was written incorrectly. It is a two-family, as detailed in the deed, but only my apartment is listed in the mortgage, originally with countrywide. I pointed this out to Bank of America and it sent me correction papers, which included the ability to change my name on the mortgage back to my maiden name and take my ex-husband off the mortgage. all these things are correctly stated in the deed. 

I sent all documents, signed back to Bank of America, on XX/XX/2019 and as of now they can not find the documents ( I had to send the documents to the representative!! ) and can not acknowledge I can do any of these corrections without refinancing! This was not stated to me before. The man who is helping me is very elusive and will tell me nothing! I want to know what is going on! 

Bank of America made this offer to me, without having to refinance but they will now not answer me definitively!
Product: Debt collection

In XX/XX/2021, I received a notification on my XXXX Credit Report about a collection entry by a company based in Alabama known as AMSHER Collection Services ( XXXX. The debt was for a company known as XXXX XXXX XXXX XXXX XXXX ) On XX/XX/2021, I called XXXXXXXX XXXX  and the lady checked her records and confirmed that I had never had an account with them as they service the Southeast United States and I live in Delaware. She advised me NOT to call AMSHER, but to file a dispute with XXXX which I did. I supplied XXXX copies of my drivers license and passport and about a week later the collection notice on my credit report disappeared. On XX/XX/2021, I received a new entry on my credit report listing the same information and same collection agency. Today, XX/XX/2021, I contacted XXXX by phone and asked them why the inquiry was reinstated. They said AMSHER reported to them that the account was opened using my social security number and that this indicated fraud and for me to contact the FTC to file a identity fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

There shows to be a closed/charged off XXXX  account on all 3 credit company reports. I talked to XXXX  back in XXXX  up to current about this showing up. I recently got an account with them to help build credit, but didn't have an account with them in XXXX. I talked to XXXX  they had my address on file to which was an old address and I made a fraud claim. They did nothing. I contacted the credit agencies for further investigation as well as the federal trade commission. This is still showing after I was advised it was handled and to give it 30-45 days to remove months ago.

This needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I recently contacted Navient Customer Service on  XXXX   XXXX ,  XXXX  to discuss payment plan options with a customer service agent. I have been paying my  XXXX   XXXX  student loans for 7 years, some of which are serviced by Navient. I have to call once per year to go through a financial statement to assess what my monthly payment will be for the year. In  XXXX  I was provided great assistance by  one  Customer Service agent. She managed to place me in a program for 15 months with an affordable monthly payment and a reduced interest rate. I made the payment every month on time by automatic debit from my checking account with no issues. I had called on  XXXX   XXXX ,  XXXX  to see if I could continue such program, or perhaps get into a different program with similar benefits. I reached a customer service agent who was rude from the outset. It was clear she was not interested in helping me. We started going through my financial statement, and I was candidly answering the questions. When I answered her question as to how much my monthly grocery bill is, she did not like the answer as she believed that it was " too much ''. She asked " is anyone on a special diet ''. In all the years I have been dealing with Navient, I have never been asked the type of personal and inappropriate questions this agent asked of me. She told me she needed to put me on hold so she could research my options. She kept me holding for ove r 20 minutes, then disconnected the call. I called back to reac h the same agent, I was told I was being put through to her. She put me back on hold, and then must have ended the call without even addressing me, because the customer service agent satisfaction recording came on ( which is only played once the call is complete ). On  XXXX   XXXX ,  XXXX , I began receiving email notifications that there were new  Navient Loan Documents available for my review. The customer servi ce agent had clearly been processing unauthorized requests on my behalf without my request or approval because I have documents denying me certain programs ( that I have never applied for ). This customer service agent was clearly trying to harm me and financial state. She asked where I work, which is informatio n Navient has always been privy to. For the first time ever, Navient  is contacting my office without my approval. This kind of behavior, harassment, and unprofessional customer service should not be tolerated.
Product: Checking or savings account

On XX/XX/year>, I received a call from XXXX XXXX, the Branch Manager at the Chase branch in XXXX XXXX. She informed me that I was denied the opportunity to open a business checking account because I was selling religious coloring books for children online. XXXX 's behavior during this interaction was both unprofessional and discriminatory. Instead of offering assistance, she seemed more interested in asserting her authority. 

When I requested written documentation of the denial and asked her to repeat the reason, she abruptly hung up on me. I called back and spoke with XXXX XXXX, a relations banker, to express my intent to close my personal checking account due to the discrimination I faced. XXXX then joined the conversation and insisted that I come into the branch to close the account. 

When I visited the branch to close my account and withdraw my funds, XXXX denied me access to the branch and the money in my account. She informed me that my account had been closed and that I would receive a check in approximately two weeks. 

In XX/XX/year>, I received a letter from Chase dated XX/XX/year>, stating, " We believe that its in our best interest to close your account ( s ) due to inappropriate conduct with our employees. '' However, the only inappropriate behavior was from XXXX XXXX, who acted unprofessionally, entitled, and discriminatorily. 

XXXX actions were unprofessional but also unlawful, as she withheld my money. It is deeply concerning that someone with such a discriminatory attitude holds a managerial position at Chase Bank. I hope this matter is taken seriously and addressed appropriately.
Product: Credit card or prepaid card

Identity thief targeting me for my ethnicity, gained access to my Chase bank account through hacking my cell phone and authorized an XXXX computer to withdraw funds from my account. Long history of the bank helping the thief, over 1 year by refusing to record my correct address, when one of their 3 addresses, always reflects the incorrect address. The bank locked me and the tellers out of my account for over two weeks and when we gained access, the data changed. The monies withdrawn were shown to be paid on my credit cards but the amounts paid were in excess of amount due. The bank refuses to do anything. I did not authorize these transactions, I was in the hospital and grieving for the people who just died. Involved in this was also XXXX XXXX  who even after getting full payment in the Chase fraud event, suspended my credit of {$300.00}, claiming I was late for annual fees that posted on the XXXX bill due in XXXX. They demanded payment, gave wrong misleading information. They insinuated I needed to correct my address and data and knew that a person used another email to log into my account. I had no way to check that they misrepresented my payment being late. The entire event successfully destroyed my credit and is clear evidence of soft harassments and targeting.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX - XXXX - {$2900.00}
Product: Mortgage

Chase does not have a secured interest in our property located at XXXX XXXX XXXX XXXXXXXX, OH XXXX which was conveyed to us by General Warranty Deed on XX/XX/XXXX. Attached please find a copy of our Mortgage # XXXX to XXXX  as Nominee for XXXX XXXX XXXX XXXX. Attached please find an Assignment of Mortgage to Chase Home Finance LLC signed by XXXX XXXX on XX/XX/XXXX as Assistant Secretary and Vice President for XXXX XXXXXXXX XXXX XXXX XXXX as Nominee for XXXX XXXX XXXX XXXX XXXX its successors and assigns. Attached please find the Corporate Resolution granting XXXX XXXX the authority to sign as " as Assistant Secretary and Vice President for XXXX XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXX. As you can see in the attached documents XXXX XXXX did not have authority to Assign the interest in this property on XX/XX/XXXX in the above referenced assignment. 

In addition to the above Chase Home Finance continues to harass us by phone calls, mailings and filing Foreclosure XXXX on XX/XX/XXXX and XX/XX/XXXX while are under Bankruptcy Protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2013 my divorce was finalized and as part of the Marital Separation Agreement the ex-wife was required to refinance the marital property located at XXXX XXXX XXXX XXXX XXXX XXXX Il. XXXX. The court order clearly indicates that my name along with any financial responsibility be removed from both the first mortgage & equity credit line and will be the sole responsibility of XXXX XXXX XXXX. The quit claim deed was recorded with XXXX County with a copy provided along with the court order to Chase when the first mortgage was refinanced in the ex-wifes name. I am not sure why Chase never refinanced the credit line as part of that transaction when there was a legal responsibility and obligation to do so. What I also dont understand is it is considered to be normal industry practice that when a refinance is completed that all outstanding loans that are secured by the residence should be required in the terms of the refinance and it was clearly not. 

I have recently disputed the negative credit reporting done by Chase since the equity credit line is now in default since it appears I was never removed from this account with the refinance. The account is now in arrears and my credit score has been severely impacted negatively. I am somewhat troubled in the fact that I have never been contacted by any representative from Chase since the account went delinquent, never received any past due statements/notice or any other type of correspondence. The only notification I have received was the credit alert stating that my credit score dropped significantly from roughly 800 to 660 in XXXX. This lack of communication on a past due collection effort clearly is a direct violation of any type of fair credit reporting and could be considered a compliance violation as related to credit bureau reporting which I am exploring advice from legal counsel. 

On XX/XX/XXXX I visited my local Chase branch and spoke with XXXX XXXX, Officer I provided all supporting documentation indicating I am not responsible for the debt. To date, I have not received any additional feedback from Chase, the only responses I have received is from the credit reporting agencies stating Chase has denied my dispute as being accurate reporting. 

The other items I am disputing in my credit report that Chase is reporting are my actual property addresses. There are multiple address lines being reported for two locations listed in XXXX, Il which I have never lived in or been responsible for and are in-fact the addresses of the ex-wife and not mine. This also needs resolution. 

It is my hope for Chase to correct this situation without further legal expense or intervention by counsel. I would fully appreciate and expect Chase to retroactively reverse any negative credit bureau reporting to all agencies and immediately cease any reporting of this delinquent debt under my social security number. 

Along with filing this complaint with Chase I am also contacting and filing a complaint with the CFPB. 

I would appreciate further discussion and your time in correcting this negative reporting and oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm relocating to New York and looking to purchase in a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw a XXXX XXXX Bank on my credit that is not mine. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. This item needs to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently filed an FTC Report for the following : I am writing to request the removal of unauthorized, unapproved, fraudulent credit inquiries from my TransUnion credit report. My latest credit report shows the following XXXX ( XXXX ) credit inquiries that I did not authorize ; when I requested proof from the creditors, they were unable to provide me any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

This organization is in clear and blatant violation of FDCA. The person who interviewed me, XXXX XXXX, told me that he is an attorney and represented legal counsel and they were going to sue me. Additionally, he did not disclose the mini miranda warning to me upon me calling him with regards to the collect of the debt and said that there would be a default judgement against me that I would be forced to pay. Additionally, there was no written correspondence regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I paid Equifax credit monitoring services and a complete disaster.

2. I have tried to resolve this matter since the Data Breach of Equifax either leaked my information with knowledge. There Data was hacked and leaked millions of users and or information with knowledge for a profit. 
XXXX. XX/XX/2019 from Equifax a check {$120.00} would be refunded as I paid for credit monitoring. 
4. I can not obtain my credit report at all for the last last 18 months. I properly called annual credit report.com and receive a notice from Equifax with my name spelled wrong stating I received a credit report in the last 12 months which is false.

5. I never received a refund.

6. I emailed and phoned with zero assistance or responses.

7. Equifax basically leaks millions of credit files and the company XXXX XXXX XXXX basically creates a Class Action Suit and pockets 75 % of Equifax having to pay for there unethical behavior. This is precisely XXXX XXXX XXXX is doing. Took the Data settlement and did not pay consumers. These three Lawyers filled there pockets. I also will be filing a FTC complaint to ensure an Audit is conducted.

8. This is such a vicious circle. I am filing a complaint with the CFPB who does not read the complaints. Only Equifax will read the complaint. What is the point of hiring warm bodies that basically work from home and contracted out with zero experience. The only way this matter which is legitimate will become known is if I email the XXXX of the CFPB. Its sad that so many have legitimate cases and a very high percentage of these banks, creditors, continue to commit fraud. I guess the kick backs are good to turn a blind eye. 
XXXX. SEE ATTACHEMENTS.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries listed on my credit report. As a victim of a data breach, I have reason to believe these accounts and inquiries were made fraudulently and without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that these items be promptly blocked and removed from my credit file. 
Fraudulent Accounts : 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 XXXXXXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Refused to help me get into my account and didn't allow a payment over the phone until they'd charged me a fee and reported my account as delinquent after calling to no avail. and not receiving help. I spoke to someone in the office ( can find her name later ) who justified the actions of the multiple Chase representatives and then said i was offered to pay by phone ( which i did ) however, this was over XXXX  days past my due date they decided it was ok to take a payment by phone. I was denied to pay by phone initially, because they chose to focus on me getting back into my account to pay, which didn't happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown Inquires on my credit report that I did not make or give permission for. 


XXXX/XXXX  -XXXX  XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

no knowledge of doing business with Transworld Systems Inc.
Product: Debt collection

I have been getting harassing call from this number XXXX for the last few weeks, leaving me harassing voice mails. The detail of the debt collector agent and  the contact information is, Reference # XXXX, Receivable Management Services XXXX XXXX, Agent, Operations XXXX ext XXXX # ( phone ) XXXX ( fax ) XXXX. Today when they called me again, I picked up and the agent introduced me her name as XXXX XXXX and she said she is a debt collector for a company called Receivable Management Services and that she is collecting debt on behalf of XXXX shipping company. She told me that I used XXXX service, shipped or received a package and that I didn't pay and that it is past due. I told her this is a scam because that I don't use XXXX  and didn't ship anything. They even had an address at which I don't live. She asked me for my email and sent me a fake invoice or something showing some amount due for using XXXX  service. I looked at it and I don't recognize that service or the charges and I didn't ship or receive package to and from that address shown in the invoice. She told me to call the XXXX number on the invoice which I did. The XXXX billing department I called don't even know what I am talking about and told me I should call back the debt collector to resolve this. I called and emailed the debt collector agent but she didn't reply.