23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My issue is with the holder of my FHA mortgage lo an, Chase Mortgage. They have switched me from one contact to another and from  department to department. They have told me they would work with me after I missed some mortgage payments, then when I tried to get help gave me the runaround. After they finally completed a review based on outdated information they told me that if my situation changed that I could be reviewed again. After my situation changed I began trying to get them to open a new review, but have not been able to make any progress. Instead of being reviewed for FHA homeowner assistance programs I am going into foreclosure.     My father in law bought this home in  XXXX  and the following year I was able to qualify for this FHA loan to purchase the home and put it into my name. My wife and I live here with our  XXXX  children. I had worked for many years running a food truck, but this was a very seasonal business and it was hard to stay afloat. I began missing mortgage payments in  XXXX  and reached out to the team at  Chase for help.  They told me I could apply for a modification, and I completed all of the paperwork and submitted it, but was later told it was denied due to insufficient income. A few months ago I changed professions and started working as  a contractor. My wife has been employed as a literacy coach for 10 years and she makes a good wage. The self-employed contractor job was very slow at first for me, but now things are going good. I have tried to get Chase to take another look at our current financial situation but have run into roadblocks. My designated contac t changes every few weeks. An actual review of the last few months financial information has never been completed by Chase, and I just get the runaround when I call in.     I am now being pushed into foreclosure by  Chase, and feel this is wrong, because Chase is required to conduct a review of my  current and correct financial information in order to assess eligibility for all FHA government loan programs such as modification, partial claim, forbearance, repayment plan or restructured loan.     I am trying to get  Chase to work with me and follow the rules and escalate our file and initiate a review so that we can get back on track with our payments. With the changes in our financial circumstances I am certain that we qualify for assistance, the issue is that Chase has f ailed to give us that chance, and this is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked transunion and XXXX to be compliant with federal tax code, to which they havent with regards to my complaint.Under article 26 the United States Federal Tax Code states : Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these debts arent mine and need to be removed. 
When I refer to these debts. I'll attach the debts/creditors that charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These billion dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force transunion and XXXX to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking trabsunion and XXXX do the same.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : XXXX and TransUnion both report the last update as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This slight difference XXXX not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : Transunion has a different account number, while XXXX and XXXX has the same. 
XXXX. Comments : o XXXX : Charged off as bad debt. 
o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o TransUnion : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : XXXX and TransUnion both show XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
XXXX. HIGH CREDIT : Is showing as {$0.00} on the XXXX report but is correctly listed as {$5600.00} on both the XXXX and TransUnion reports. 
XXXX CREDIT LIMIT : for XXXX XXXX reported as {$0.00} while it should be {$5600.00}, similar to TransUnion and how XXXX should have reported the high credit, this requires a correction as well. 

Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

I had my aunt tell me that my kids mom requested XXXX from a PayPal account created in my name and requested it received it. I gave out my aunt 's name and number also my sister name and number which also allows access to maintain any information about them
Product: Checking or savings account

I have qualified for a {$400.00} bonus on my account but have not been credited for that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that Equifax agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX FTC Charges Auto Dealerships in Arizona and New Mexico with Falsifying Consumers Information on Financing Documents SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing The Federal Trade Commission has charged a group of four auto dealers operating in Arizona and New Mexico, near the border of the XXXX XXXX, with a range of illegal activities, including falsifying consumers income and down payment information on vehicle financing applications and misrepresenting important financial terms in vehicle advertisements. 

This is the FTCs first action alleging income falsification by auto dealers. The complaint also names the dealerships owner and manager, XXXX XXXX, as a defendant, and owner and president, XXXX XXXX, as a relief defendant. 

Buying a car is one of the biggest purchases consumers make. When consumers tell an auto dealer how much they make and how much they can pay upfront, the dealer cant turn those facts into fiction, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC expects auto dealers to be honest with consumers from the first advertisement to the final purchase. 
n its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX 2019
Product: Vehicle loan or lease

Spoke with live representative, at XXXX XXXX XXXX dealers after taken my personal information to consume credit check I got a call back by a different agency stating I wasn't approved do to my immigration back ground wasn't correct and my social didn't appear to be mines they was rule and very unprofessional. And she said she couldn't give me any additional call my credit agent
Product: Credit card or prepaid card

I recently went to a XXXX XXXXXXXX for XXXX XXXXXXXX and I chose carecredit to pay for the XXXX XXXX that I would need to resolve this health issue. I was told that I could pay {$65.00} a month for 2 years with no interest if I used carecredit. 

I received an electronic bill and I paid the {$65.00} on XX/XX/23 as I was told to do. 

A few days later I checked my checking account balance and I was charged for the full {$1900.00} by CareCredit. I called CareCredit and I was told that I would be refunded the {$1900.00}. In the meantime, my balance had dipped below {$0.00} and I was started to receive overdraft charges and it was cascading into affecting my credit cards and my financial profile. 

A week later I still did not receive the {$1900.00} refund that I was told I would be receiving. I called again today, XX/XX/23, and at first I was told that there was no record that I would be receiving a refund. The person that I spoke to then spoke with a manager and told me that the funds were on hold, that it would be released tomorrow, and that it would take 5 days for it to be sent out. 

CareCredit mischarged me for {$1900.00} in a quick second and now it is most likely taking over 3 weeks to get that refund. This is unacceptable for a credit card in this day and age. 

Please let me know what else that I can do as CareCredit, I thought, was a company designed to help people pay for medical/dental services that they would otherwise be unable to afford. I would never have even purchased this dental appliance had I known that I had to pay for it all at once. I did everything that I was supposed to do. CareCredit has not.
Product: Debt collection

Jefferson capital garnished my wages and state income taxes, they received more than the garnishment was for, so the extra {$79.00} was applied to a zombie debt from 2013, now they are refusing to close the accounts I paid off via garnishment because they reopened that old account from 2013, this is wrong and it's past the statue of limitations on that debt. The garnishment was for the debt for {$470.00} and {$790.00}, those were paid, those are what I have disputed several times to have removed from my report, I have signed judgement paperwork stating I paid that in full, It wouldn't let me submit it with the dispute or I would have. Now Jefferson capital is sending me settlement letters for the 2013 debt since they reopened that account!! Ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : not my inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX FM XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX box XXXX XXXX XXXX XXXX TX XXXX XXXX type Post office box XXXX XXXX FM XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Post XXXX box XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$91.00} Status Collection account. {$91.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$810.00} Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Collection account. {$10.00}, XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$12000.00} writte FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX OF XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : DEPTEDXXXX XXXXXXXX {$1800.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXXXXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 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: Credit reporting or other personal consumer reports

XXXX is been reporting an inquiry by - XXXX XXXX XXXX XXXX I had not authorized neither or had business with this company.
Product: Consumer Loan

We have a loan with XXXX. It shows up on our credit report as a credit card. They will NOT accept a payment via a credit card, only debit or, their preferred method, direct access to our bank account. We have thoroughly reviewed our agreement and the payment options on THEIR website, and it does NOT say that credit cards can NOT be used for payments. Upon making a payment, by debit card on the phone, only a confirmation number is given, with no way to request or print a receipt. They do n't give receipts, not even by email.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, Complainant submitted a formal request for her account to be CLOSED, ( # XXXX ). Furthermore, she requested the DELETION of her personal data pursuant to the Colorado Privacy Act. The importance of comprehending a service request can not be understated because it leads to unnecessary frustration. 

Despite a clearly written request, Complainant received an email communication from one XXXX XXXX on XX/XX/23 requesting information to unfreeze her account. Evidently, the representative is struggling to understand plain XXXX. In the interest of clarity, Complainant was NOT requesting to unfreeze her account. Complainant is requesting CLOSURE OF HER ACCOUNT AND DELETION OF HER PERSONAL DATA, as she is no longer interested in an account with this business.
Product: Debt collection

I the natural person XXXX XXXX received a letter from Credit Control that I owed a debt of {$16000.00}. I have never done any business with Credit Control and according to the FDCPA these are violations to my consumers rights. I have a written down the violations and mailed an invoice of {$1000.00} for each violation which is my right according to 15 USC 1692k civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

Over the last XXXX years, I have tried to reach an agreement with Navient. I have requested settlements. XXXX times now, I have submitted all required documents and began a rehab program. The signed documents were not entered corrected or they stated that they were never received. I did resend the documents and the same error from Navient was repeated. I am not in agreement with the debt amounts and the interest accumulated. This service provider, Navient, has not made this an easy process.I have had multiple collection companies contact me with threats. They will not even validate the debt with me personally. I am not sure what to do at this point. I a very frustrated with the overall handling of the loan start to finish.
Product: Student loan

The " do not advance due date '' tab on there website doesn't work. All of my loans had been paid ahead to XX/XX/XXXX. I called in XX/XX/XXXX and asked that only my loan G have the due date be moved to XX/XX/XXXX. I was told by the agent it would be changed and he noted the account. I told him not to move any of the other loans due dates at all or dont move any loans due dates.They moved all of my loans due date to XX/XX/XXXX. I feel like they do not want me to pay off my loan with High interest rates and do everything they can to pay off the lower loan first. I have been fighting with them for the past few months trying to find a away to pay more on the loan G with a 6.5 % rate. With is the highest amount loan and the highest due date.
Product: Debt collection

This company has been reporting on my account for years I have tried a number of times to get this item removed I let them know I was a victim of fraud/if therft.
Product: Credit reporting or other personal consumer reports

A few months ago, I reviewed my credit report and found discrepancies related to the account XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). This situation is infringing upon my rights. I have disputed these inaccuracies with all three credit bureaus and the creditors and collectors, but I only received generic replies. Consequently, I am filing this complaint based on my findings. The company is violating sections of 15 USC. 

15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is inaccurately reporting collections on my credit report. The balances are wrong and the date of last activity has been re-aged. It is a violation to re-age an account under FCRA 605 c running of the period,. Further more the company agreed to remove the account from my report. 

This inaccurate information is negatively affecting my chances of approval and is ruining my credit report and my credit scores