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

So i had newly opened an account with chase and i deposited $ XXXX. I then transferred {$100.00} to my td bank account and then 2 days later they close my account because of suspicious activity. I opened the account on XXXX XXXX its now XX/XX/XXXX and i been calling chase weekly asking them to mail me my remaining funds and theyre saying that i have to verify the check. I told the store owner about it and he said its a problem with chase. Chase told me that they would email theyre manager so the restriction could be lified but whn i called and they told me i would have to wait and summit another complaint. i dont know wht to do
Product: Money transfer, virtual currency, or money service

I made a purchase at XXXX 's using the XXXX service on XX/XX/year>. However, that order was cancelled that same day, unbeknown to me until XX/XX/year>. On that date I reached out to XXXX about the cancellation and receiving a refund. Since that date, all I've received from XXXX is lies, delays, and terrible customer service. I've been sending email after email every single day since XX/XX/XXXX trying to get my refund. They have asked me for proof of the cancellation over and over despite me sending it. They lied this past Sunday, XX/XX/XXXX, saying they were going to call me and never did. They also closed my dispute for the XXXX time on the same date claiming they would communicate with me about my case via email and it has now been XXXX more full days since I've heard from someone. This is RIDICULOUS!!!!
Product: Debt collection

I owned a house in XXXX, XXXX while in the military. I XXXX XXXX and moved to XXXX, XXXX. I did not close on the sale of the house I owned until XXXX XXXX, 2016, I received my final bill from XXXX water and sewer and paid the remaining balance in a timely manner. I did not receive my final bill from from XXXX XXXX, it is now showing on my credit report and, from what I am told, will not be removed from my credit report for 7 years. I am not disputing that I owe the amount that was disclosed. I want to dispute the fact that I was not made aware of the debt owed in a timely manner for me to satisfy it. I was not made aware of the debt until I applied for a home loan. Again, I take responsibility for the amount owed, but I was not given adequate time to satisfy it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I applied for a 3 month forbearance due to COVID-19 and was approved. During this time I received letters saying my account was past due. I called repeatedly and they told me to ignore the letters, I was in forbearance. In XXXX I said I could resume payments and closed the forbearance both online and over the phone. I resumed payments in XXXX as scheduled. XXXXNewRez sold my loan to ShellPoint in XXXX with first payment due to Shellpoint due in XXXX. When I called ShellPoint, they hadn't received any of the info on the forbearance or deferment from XXXX/NewRez. I attempted to pay in XXXX, but was told not to because it would be considered a partial payment and they could not accept it. Same in XXXX. I had to defer additional payments in order to get the account current. 

In XXXX XXXX/NewRez reported my account as 60 days past due even though I had an approved forbearance, causing my credit score to go down 139 points. I spoke with a representative on XX/XX/2020 and he said they have no record of anything regarding the forbearance or deferral and it should not have been reported as past due with an approved forbearance. I disputed the late payment report with XXXX. 

I am unable to do a refinance to a lower rate which would lower my mortgage by {$500.00} per month due to this inaccurate credit reporting.
Product: Credit reporting or other personal consumer reports

I have been informed that a hard credit inquiry was done by XXXX XXXX on XX/XX/2023. I did not do this or did not apply for credit or anything. I am afraid of an identity theft issue or some kind of fraud.
Product: Credit reporting or other personal consumer reports

I hope all is good with you as I write this. I am submitting this letter to formally dispute the veracity of some information found in my credit report. I've seen that there are unsupported statements that don't have supporting documentation, especially when it comes to accusations of delinquency and derogatoriness. 

I understand that Metro 2 data field reporting follows an industry standard, and as a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). In compliance with federal and state regulations, it is imperative that all allegations be reported completely and truthfully. 

I therefore ask for concrete, independently verified proof of the accounts ' existence and authorized use. I demand the deletion of these accounts in the absence of such proof. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I now provide permission to have an updated copy of my credit report and tangible paperwork outlining your actions delivered to me. 

We sincerely appreciate your quick responsiveness to this situation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Debt collection

Navient is trying to collect on student loans during covid reprieve and also reporting non payment to credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

There were two ( 2 ) unauthorized hard credit inquiries made by XXXX XXXXXXXX XXXX ( GA ), which were revealed on a credit report I pulled directly from Equifax 's website on XXXX XXXX, XXXX. 

I then started working directly with me creditor ( XXXX GA ). After a long and involved investigation, the creditor agreed with me, and formally approved the removal of their XXXX XXXX, XXXX and XXXX XXXX, XXXX hard credit inquiries. XXXX GA then advised me that they sent two separate requests to all 3 credit bureaus in the U.S. ( Equifax, XXXX and XXXX ) to remove these two hard inquries. 

The request for the removal of the XXXX XXXX, XXXX hard credit inquiry was sent from my creditor, XXXX GA, to the credit bureaus ( including to Equifax U.S. ) in XXXX. 

The request for the removal of the XXXX XXXX, XXXX hard credit inquiry was sent from my creditor, XXXX GA, to the credit bureaus ( including Equifax U.S. ) on XXXX XXXX, XXXX. In addition to the creditor directly requesting the removal of their hard inquires, I also disputed them directly with Equifax U.S. for good measure. 

Despite the creditor requesting the removal of the two hard inquires directly, and me filing disputes directly with Equifax via telephone, online and fax, requesting removal of these two hard inquiries, in XXXX, XXXX, XXXX, XXXX XXXX ( and again today ), as well as several telephone calls to Equifax in between my formal dispute filings, the two hard inquires still remain on my Equifax U.S. credit bureau report ( as confirmed in another telephone conversation I made directly to their offices today ). 

I also sent Equifax a formal letter requesting the removal of these unauthorized inquiries, enclosing all requested documentation, including the letter from the creditor, and gave them direct contact information for the creditor, for any questions. 

I have provided everything possible to Equifax to facilitate the process and confirm the information I have given them. The creditor has requested the removal of the credit inquiries. My creditor advised me as of today, they in fact sent the XXXX XXXX and XXXX XXXX requests through an online system customarily used by the banks and credit bureaus to share this type of information and to send these types of requests. 

Equifaxs failure to properly investigate and remove these two unauthorized hard inquires has greatly compromised my credit score, thus, making it very difficult to obtain reasonable interest rates for credit products, affordable housing, and the ability to get a job that conducts background checks that also incorporate credit reports/scores.
Product: Debt collection

Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX The collection agency is aggressively attempting to collect a debt that does not exist for the amount of {$200.00}. I have submitted documentation that show that amount was paid in full on XXXX XXXX 2015 to XXXX XXXX XXXX XXXX .The collection agency continues to contacts me weekly, for the said amount and has recently reported the non existing debt to the credit reporting agencies. They have made no attempt to fix their mis communication and have become increasingly aggressive in their tactics
Product: Vehicle loan or lease

I have a loan with WFDS/WDS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and WFDS/WDS with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Product: Mortgage

I was approached by Freedom Mortgage company via mail regarding a Streamline VA IRRRL. From the beginning ( loan application ) the loan officer put the wrong property values in the loan application. They fudged the numbers in order to make it appear as if the new loan would save me money. I am not XXXX consumer and I know that .5 % is not going to save me a significant amount on my monthly payment. The disclosure said " existing loan '' and those numbers do not reflect my current payment even after I give them my specific loan amounts. I rejected the loan application and told them that once they applied the exact numbers I provided them I would sign the application and we could move forward. The loan associate made the adjustments and we moved forward. I assumed that this was human error and that we could move past this and get on with the process. I specifically told the loan associate that I wanted the principal balance of the loan to remain the same. That I would pay all prepays and escrow at time of closing. I was very specific about this. 
Flash forward 30 days. Delay, delay, delay. That is what they did. Error after error on closing disclosures, double charging prepays and escrow amounts. Submitting then resubmitting so many erroneous documents that it was confusing to determine which was the last incorrect disclosure. Promising time and time again that they would take care of it then not respond. they pushed out the closing date again and again. Then pretended that each error was in-fact an error and not intentional. This is the name of the game with this particular company ( Freedom Mortgage ). Their claim, a no cost VA refi., yet they manage to fudge the numbers and some how the principal on the loan grows by {$2000.00} to {$3000.00}. 
The pay off shows how much is required for escrow and interest. I know because I viewed the pay off statement. I also know when my taxes are due and I know how much I have in escrow. 
This company creates confusion and I think that they are hoping that the customer will just give in and say fine lets just close this loan. It 's a tactic. Confuse consumer with the documents and the figures, tell the customer that is just how home loans work. In the mean time make the numbers are so ambiguous that it appears that the customer is saving money. It is all smoke and mirrors with Freedom Mortgage.
Product: Credit card

I submitted an application for a credit card with Bank of America in XXXX. Account was approved and account opened. 
In the end of XXXX Bank of America again ran my credit report and subsequently opened another credit card account that I did not request. 
I reported this fraudulent activity to Bank of America and requested that the account be closed. XXXX hours later the account has still not been closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days. I have yet to received any investigation results.
Product: Credit card

XX/XX/XXXX I received a text from LLBean Mastercard alert team. It asked if I had made a {$240.00} purchase just then at XXXX. I was just getting ready to call the number on this text when they called me. In addition to the {$240.00} charge had I also purchased {$2000.00} at Best Buy. I assured them I had not and that my card was in my possession. The LLBean rep said they would take these charges off and send me a new card. Upon receiving the new card a few days later I cut up my old card. However a couple weeks later, around XX/XX/XXXX I received an email stating that, since the card used had a chip, I was now responsible for these charges. I called two times to dispute this and was given CitiBank fraud response team number, since this is the card issuer. I then called them and the rep suggested I contact local police. This I did and XXXX Police subsequently was able to get video at both XXXX and Best Buy of the same adult male purchasing these items supposedly with my card. I sent the police report to Citibank Fraud team in XXXX. I then called them XX/XX/XXXX to check on the case and was told they would reopen my case considering the new police information. However, having heard nothing since, I called Citibank fraud today and was told 1 ) case was not reopened and 2 ) police report didnt change anything because a chip card cant be cloned and it was suggested to me that perhaps it was someone I knew who used my card. This is just not true - since the card was not out of my possession. Also I queried why the statement showing the charges put back on my account ended in a number ( XXXX ) that I had never had- not my old card the charges were made on, nor my new LLBean card that was issued to me. I got nowhere and was told I was still responsible for these charges. I am seriously considering getting a lawyer at this point. I did not charge these items, I do not know how this was done - but someone cloned my card or whatever to make these charges. I should not be held responsible for these charges.
Product: Student loan

I am currently unemployed and I don't have any way of paying for my student loan debt.
Product: Credit reporting or other personal consumer reports

My initial loan were with XXXX XXXX which they went out of business in XXXX of XXXX. XXXX XXXX took over their comstumer loans. I asked XXXX XXXX for a copy of original loan that I signed with the company. My loan roughly around {$13000.00} and they added XXXX to my loan without me knowing anything about it. They did not give it to me since I've talked to them on XX/XX/XXXX. They repossessed my car which I paid {$1200.00} to get it back. They blocked me from having access to the account whatever small amount left. I could not pay it. According to their system. My last date for payment was XX/XX/XXXX. They claim I owe {$2000.00} now which doesn't make sense at all. I'm currently talking to a law to make a lawsuit against them.
Product: Payday loan, title loan, or personal loan

I took out a loan for {$600.00}. I never spoke with anyone, everything came by email. My payment is XXXX bi-weekly and I 'm no where near being finished paying it off. With interest laws in NC i thought this loan would be paid off after a few months but when I was finally able to login to my account to date I 've paid XXXX in just interest and only a total of XXXX to the principle since my first payment XXXX XXXX, 2017. 

This does n't make any sense. This account should have been paid off already, but when my payment is taken sometimes on XXXX is going towards the principle. It says my interest rate is 697 %. Is this legal? I finally decided to do research about the laws and NC law says 36 % is the limit. Can anyone assist? This was supposed to be to help for unexpected bills for a short period, but the balance has never gone down low enough to pay it off because most of the payment is going to the interest. 

I would think the interest rate would be higher if someone was missing payments, but I am current and have never gotten an extension or missed a payment and I have still paid an exorbitant amount.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my credit report that have not been adequately addressed despite multiple attempts to rectify the situation. I have taken every possible step to have these inaccurate and damaging entries removed from my credit report, but my efforts have thus far proven unsuccessful. This ongoing issue has had severe consequences on my financial well-being and is causing undue stress and hardship. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items, and I have provided all necessary documentation to support my claims. However, despite my best efforts, these inaccuracies persist on my credit report, which has adversely affected my ability to secure loans, obtain favorable interest rates, and even pursue certain employment opportunities. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I urge you to take necessary steps to prevent the reoccurrence of such inaccuracies on my report in the future. 

I am willing to cooperate fully and provide any additional information required to resolve this issue promptly. I expect a written response from your agency within 30 days of receiving this letter, as required by the FCRA, confirming the removal of the fraudulent items from my credit report. 

Failure to address this issue in a timely and satisfactory manner will leave me with no choice but to pursue legal remedies available to me under the FCRA and other applicable laws. Kindly assist me to remove the following fraudulent items : XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX XXXX  XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all  XXXX  bureaus ) shows a   XXXX   XXXX   XXXX   account. I never had a  XXXX  account. there is a memo that states it  may be a    XXXX   XXXX   XXXX  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.
Product: Debt collection

On XX/XX/XXXX I entered the Check N Go on XXXX XXXX and handed the Represetative a notarized letter. I informed her that I also sent a copy to XXXX XXXX she took the letter thanked me. I was laid off from my job and I informed XXXX XXXX that I wanted to revoke authorization to my checking account because I could no longer make the payments. I had no problems in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX but XX/XX/XXXX Check N Go attempted to debit {$140.00} from my checking account. On the check it states Authorized by your Customer No original signature required. I signed a contract at the time I received the loan authorizing Check N Go/XXXX XXXX to pull funds from my account but I have since revoked that authorization. This caused me to receive two returned check fees from my bank of {$36.00} each and a {$10.00} returned check fee from a company that I made a payment to that was returned as a result of this unauthorized check. I spoke with a women in the collections department and she refused to give me any information. I asked her for a number or address to file a complaint she stated that the only way to contact Check N Go is through email. She gave me the incorrect email address.
Product: Mortgage

In XXXX I started to take over out finances and noticed that our mortgage has never really gone down. We started out as XXXX XXXX and then XXXX XXXX was bought out by XXXX, XXXX then sold our mortgage to Nation Star and now we are Mr Cooper. When I asked Mr Cooper about this issue of how our Mortgage of {$56000.00} is only down to {$45000.00} after 16 years of paying. We purchased our home in XXXX and have been making the monthly payment since. We may have got behind on a few payments because of health issues my newborn had when she was born in XXXX but we always made out payments some how. When I looked at the terms of the loan it states we will be paying until XXXX which is 43 years, we only have a 30 year mortgage, therefor we should only be paying until XXXX. Mr Cooper tried to say that right before XXXX XXXX turned the loan over the loan was resigned, this is not true the documents they have have a signature that my husband did not sign, I am not sure who signed those documents but it was not him. Mr Cooper sent me a copy of the files they had on file from this design, BUT could not find information about our loan prior to. I sent them a copy of our original loan and what my husband signature looks like. I am not sure what Mr Cooper did during the turn over but something fraudulent happened because there is no way we have this much to pay on this house. We could have had a better house, its terrible they are taking advantage of people like this. I have spoken to varies other Tax Payers, as I am an XXXX XXXX, XXXX XXXX and they are having similar issues with Mr Cooper and Mr Cooper says they will investigate but they did not, they sent a generic response, they they could not further investigate because they do not have the paperwork from the other mortgage company. 
I would like Mr Cooper to correct our mortgage to reflect that we only owe what we owe the 14 years of the mortgage. I dont understand how a company can do this to people, its terrible. I have a family to take care of and to continue to pay on this house until XXXX is ridiculous that would be two times what its worth that we would be paying. It makes me sick to think of how many people they are doing this to and they are getting away with it!