23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received an injury settlement check for a covered XXXX  XXXX compensation Injury. It was for a large amount {$64000.00}. Theres were certified funds deposited on XX/XX/XXXX and cleared for use on XX/XX/XXXX. On Saturday XX/XX/XXXX, I received an email from Chase threatening to close my account because the check could not be verified using their software because My lawyer who wrote the check had a different phone number than the one listed in their verification software, so I reached out to my lawyer and he was able to provide a secondary phone number. At which time I reached back out to Chase again on XX/XX/XXXX and was put on hold while the verification team reached out to my lawyer and spoke to Chase and he gave them all of the info they needed to verify the check. I was told my account would be unlocked within the hour and my funds would be released and simply needed supervisor approval. On Sunday XX/XX/XXXX I attempted to use my debit card and it was declined and my account was still restricted, I called Chase again and was told that the approval team had a different address now associated with the business, I dont know what to tell them because my lawyers business address is the same address on the check and is his legal address. I need my money, Chase held my check for 10 days clearing it as a valid certified injury settlement check and then several days later put my money on hold and are keeping me from using it. I dont understand how this is legal or warranted, the check cleared, they spoke to my lawyer who wrote me the check which came from a state mandated XXXX XXXX account in charge of making sure all funds are good. This is out of my control. Both my lawyer and I quickly provided the information chase said was necessary.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Information Employers : 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 Previous Address ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX  TX XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX : XXXX XXXX
Product: Credit card

I was charged on XX/XX/XXXX for the amount of {$6600.00} for goods or services that were misrepresented. 

I opened my dispute on XX/XX/XXXX with Visa Chase Card Services. On XX/XX/XXXX Chase sent me a letter stating if I want to continue the dispute and that the merchant has provided information showing they believe the charge is valid. I wanted to continue the dispute and filled out the paperwork and sent it back immediately. 

On XX/XX/XXXX I received another letter from Chase stating they considered the charge valid and they included pictures of documents that have nothing to do with us, there is a picture saying XX/XX/XXXX pickup from XXXX XXXX XXXX XXXX XXXX which is not us. There is also a receipt showing {$4000.00} XXXX which is {$200.00} XXXX XXXX  and there is no explanation for what this charge is for. 

I then called the Chase dispute line and they said to fax a letter that I signed saying I was not happy with the resolution and they needed to reopen the dispute. I faxed this letter multiple times on XX/XX/XXXX and on XX/XX/XXXX. I have XXXX confirmations that I sent by fax and they were received. I called to see if they received the fax and they said no and to upload it on their app so I did that. 

Then I received a letter from Chase on XX/XX/XXXX that again they confirmed the transaction I disputed was valid and that they contacted the four credit reporting agencies. 

I turned in all supporting documentations and shared what exactly happened in detail. They said the dispute outcome was that the charge was valid. Charges were made for goods or services that were misrepresented. 

They did not read my claim information at all. The documents from the merchant show some other amount and information unrelated to this dispute. Chase did not even read it or go over my paperwork.
Product: Debt collection

I have had numerous conversations with XXXX, The first time i would try to move my phone number to XXXX XXXX was the beginning of our problem this was in XX/XX/year> I was unable to succeed due my phone was too old, So I contacted XXXX and ask them to reopen my service and after XXXX days i was back in business with XXXX and then I received a bill for {$210.00} so i called XXXX to ask why my phone bill was so high and learned that my plan had Grandfathered out and the new plan was the best plan XXXX had to offer me at that time. So I decided on that day to go to Spectrum and buy a new phone and have my Phone number follow me and in doing so i cancelled my service with XXXX XXXX on the next i mailed XXXX XXXX {$120.00} because after all I had purchased a new phone with XXXX  and then the problem begin when I heard from XXXX again They sent me Two Letters one letter said they Owed me {$140.00} and the other letter said I Owed XXXX {$210.00}. When I call XXXX my code was not working and so they made me an appointment for XX/XX/year>XXXX XXXX XXXX XXXX  at the XXXX XXXX and I was there and spoke with XXXX of there employees and thought the problem was resolved but it was not. I have had several conversation with XXXX and I have even sent them a response via XXXX XXXX XXXX. I do not owe XXXX {$140.00}.
Product: Mortgage

I chose XXXX XXXX XXXX : XXXX, a loan officer working for Celebrity Home Loans https : //www.celebrityhomeloans.com/, to process my mortgage application for a conventional 30 year fixed rate loan. He issued me a Preapproval letter stating a rate of 2.49 %. 

As the loan approval process began, he told me he locked the rate at 2.50 %. Then a few days later he said he actually failed to lock it and the rates have gone up by then, and my lock is at 2.625 %. Then again, a few days later he said the lock did not in fact happen, and I have a lock at 2.75 %. And he lied because a few days later I received a final message stating my lock is at 2.875 %. Only then I received a paper stating the lock rate, and this is is what went in my final loan approval letter and Closing Documents. 

XXXX XXXX has repeatedly lied about locking my interest rate, and I ended up getting a much worse rate than initially specified. All of our conversations about getting a locked rate at 2.50, XXXX, XXXX are documented. We received no rebates or other incentives. 

I posted reviews on XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX a subsidiary company of Celebrity Home Loans through which the loan was processed ). XXXX reached out to me asking me to delete these reviews in exchange for a cash refund of {$620.00}. I don't want to delete my reviews because they are accurate and fair, and they might help other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report because I am trying to buy a home and I seen that someone has been using my identity for accounts and utilities. I have never lived in XXXX XXXX XXXX , XXXX, TX XXXX or done business in that state. I do not recognize the inquires and companies : XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX. I in the process of securing my credit files, and personal Identifiers with XXXX XXXX, XXXX XXXX, Equifax, and XXXX I had to file a complaint with the FTC as well. It is possible that someone is still using my name and information.
Product: Student loan

I am in the process of paying back my student loans. I was unsure of how to go about repaying at a price that I could afford and I got a notice in the mail about student loan help from a company called Student Assist Plus. I did not see anything bad about it on the internet so I decided to give them a call. I was also told that I qualify for the loan forgiveness program by going through them and can also receive low payments for my debt. I did not think anything about all the information that I gave them thinking that it was all associated with my loan debt, however they consolidated all of my student debt and I had a low payment for my loans. I recently contacted Federal Student Aid because I had a problem with my account.The lady that I talked to basically said that I have been scammed because not only was Student Assist Plus listed as a third party on my account giving them access to all my personal information, but the consolidation and access to low payments for my loans is a free service that I assumed that I had to pay for, which was a mistake. I ended up paying so much money that could have went to my loan repayment but instead it all went into somebody else 's pocket. They also have all my personal information and access to my bank account. Lesson learned from this? Contact your loan service first before making in drastic decisions. Do n't just assume just because it came in the mail or that it does not have any negative press on the web that a company is creditable.
Product: Checking or savings account

My business partner ( XXXX XXXX XXXX ) died XXXX XXXX, XXXX, in an automobile accident. XXXX XXXX was the only signer on our Wells Fargo business bank account for XXXX XXXX. We are trying to close down XXXX XXXX with the IRS, but there is approximately {$7000.00} in our Wells Fargo business bank account that Wells Fargo will not release. We provided Wells Fargo with all of the information we had access to about the death of XXXX XXXX XXXX. We seek help to get Wells Fargo to release the money they are holding for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX a XXXX XXXX XXXX was fraudulently reported on my credit and on XX/XX/XXXX XXXX  WAS was reported on my credit I ASK that these matters be deleted from my credit report! 

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 
Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 
Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage. 
Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement. 
Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX Subject : Dispute of Charge-Off Account in my Credit Report Dear Sir/Madam, I hope this letter finds you in good health. I am writing to dispute certain inaccurate information that appears on my credit report. The items in question are related to alleged charge-off accounts, which I believe are incorrect and misleading. 
According to the Fair Credit Reporting Act ( FCRA ), XXXX ( 15 U.S.C. XXXXi ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Disputing due to the fact the creditor reported multiple charge offs when they only charged off once. 

Please investigate these matters and correct the disputed items as soon as possible. If you need additional information to resolve this dispute, kindly contact me at your earliest convenience. 
I would also like to highlight that under Section XXXX ( a ) ( XXXX ) of the FCRA, the entities providing this information to you have an obligation to correct, VALIDATE, VERIFY and update relevant information to ensure its accuracy. If they have failed to do so, they may be in violation of the FCRA and in turn these accounts need to be deleted from my consumer file immediately if they cant be validated and verified. 
In addition, according to Section XXXX ( b ) of the FCRA, upon receipt of my dispute, you must notify the information provider of my dispute. If you find that any of these accounts are indeed inaccurate, incomplete, or can not be verified or validated, I kindly request their immediate removal as per Section XXXX of the FCRA, which stipulates that any information that is found to be inaccurate or can no longer be verified or validated must be removed from a consumer 's credit file. If you can't provide me with the original contract with my wet ink signature, and the name and title of the person you spoke to about the above listed accounts showing validation and verification please delete the above listed account. Please provide a detailed response to my dispute in writing within XXXX days of receipt of this letter, as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had 3 deferred payments on an auto loan, and was not made aware that the total balance would be due when the loan matured. No one stated this to me when I deferred the payments. 

Because no one told me this would happen, my credit score dropped XXXX points. To some it may not seem like much, but for those of us who are trying to build credit, it has a high impact. 

No one in the company put any effort in to helping me on this issue. In fact, a supervisor called me back 24 HOURS AFTER I had put in a call back request just to pacify me, and rudely implied that there is nothing they can do about it. 

It was reported that I owed a balance that is {$200.00} more than the representative told me I actually owe. 

This isnt the first time Ive had communication issues with the bank. 
It is almost impossible to speak to someone without being on hold, or constantly updating contact information that has stayed the exact same. 

I figured this bank would fairly treat its valued customers they seem to address us as. I would advise anyone against using this bank due to their lack of customer service and transparency in the loan process.
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to file a complaint regarding the inadequate billing information and limited payment options provided by XXXX XXXX XXXX. Despite repeated requests, essential details such as " bill due '' and " amount due '' are absent from the banking dashboard, leaving me uninformed about my financial obligations. 

Furthermore, upon relocating from XXXX to the XXXX XXXX, I found no online payment options available, leading to a missed payment and subsequent negative impact on my credit score. This lack of transparency and flexibility is unacceptable. 

I urge you to address these issues promptly to prevent similar inconveniences for other customers in the future. 

Sincerely, [ Your Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX XXXX : {$9300.00}, XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$330.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Mortgage

Contacted Loan United for VA refinancing of my home in  Pennsylvania XX/XX/XXXX. My refinancing was being processed by XXXX XXXX XXXX, Senior Mortgage Loan Originator. 
Loan United requested XX/XX/XXXX mortgage statement, insurance, IDs DD214,  Note, Social Security cards which I began submitting. 
XX/XX/XXXX Loan United expanded their information request to include 30 days of paystubs, XXXX/XXXX  W2s, 2 months bank statements. Social Security letter, Retirement letter. 
XX/XX/XXXX Loan United requested Home Appraisal ( Cost to me {$500.00} ) and VA Termite Report ( Cost to me : {$85.00} ) which were performed. 
XX/XX/XXXX Loan United requested additional information to include P & L statements and all tax schedules for myself and my wife and her business. Sent this information Overnight to their office. 
XX/XX/XXXX Loan United requested additional information K-1 tax returns, Business license, expanded information on our tax returns. Resent additional information directly to Loan United Overnight mail. 
XX/XX/XXXX Loan United requested I add Flood Insurance to my homeowners even though I do not live in a flood zone. 
XX/XX/XXXX Loan United, XXXX XXXX, Loan Processor emailed me : " a loan payoff was the last item needed for your loans clear to close..we will most likely fund in XXXX so I wanted to be sure XXXX as been paid '' Contacted my mortgae company XXXX XXXX, and a payoff amount was provided to Loan United in XXXX . 
XX/XX/XXXX Loan United XXXX XXXX emailed me : : " All is well with your loan we are simply waiting until after XX/XX/XXXX to reloock your loan and then we should be cleared for closing ''. 
My original lock in rate was 3.75 % last year but I guess since so much time has passed a new Rate lock was needed. 
XX/XX/XXXX XXXX XXXX emailed me : ( after I inquired when my rate was going to be locked in ) " too high to lock today '' even though there were 3 rate cuts by the Fed to Banks and Lenders to  almost zero. How could it be? 
Since then no further communication. Loan United advertises their VA refinancing as quick, easy with limited information needed. I found this to be quite the opposite. This has turned into a nightmare, and I am still not closed. Im an XXXX discharged Vet and utilized the VA to help secure my original mortgage and this refinancing. I have always paid my mortgage on time as well as all my bills. I feel that this company should not be allowed to process VA loans of any type. I feel that this refinancing will not be closed
Product: Credit reporting, credit repair services, or other personal consumer reports

There is hard inquiries on my credit report twice for the same company, XXXX XXXX XXXX for XX/XX/2018 and XX/XX/2018. When I call the company, they state my credit was only pulled once. When I disputed the second inquiry with XXXX, they did not remove it. I applied for internet service on XX/XX/2018. I authorized my credit to be pulled one time to assure my creditworthiness to XXXX XXXX XXXX for a new account. There would be absolutely no reason for them to pull my credit a second time the very next day. This needs to be corrected immediately. Since I have contact both the company and the credit reporting agency already, I am at a loss as to how to get this error removed.