23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I placed an order for XXXX in the amount of {$600.00} with XXXX XXXX on XXXX and paid with XXXX through Chase online to this gmail address : XXXX. Once I made the payment to the email, I immediately had a weird feeling that they were a scam. Within a few seconds, I called Chase and asked them to cancel the payment.

Chase told me that XXXX is a third party App and I need to contact them. Chase is not able to help me. I was very confused by this. I called XXXX, they only had an automated voice recording which basically said that if I am calling regarding a transaction made through my bank online, I should contact my bank. So, Chase is telling me to contact XXXX and XXXX is telling me to contact my bank. In the meantime, I lost {$600.00} because neither you or XXXX would help me. 

I called Chase several times, and they kept repeating the same thing. I need to call XXXX because it is a third party App and they don't have anything to do with it and there is nothing they can do. I was quite surprised to see that Chase is offering something through their website that is this awful. Do you know that all XXXX does is say to contact your bank if you made the transaction through your online account? And Chase is just making their customers go in circles because you keep telling us to contact XXXX if the payment was made through XXXX. 

I can't walk past a Chase bank without seeing big posters of XXXX with the Chase logo on it. This is the reason I used XXXX in the first place. I thought using something that Chase is offering would be more secure. It would be easier to cancel or dispute a transaction. I would have never used this if you are not going to support any customer service that they can't provide. 

I looked into XXXX further and it is owned by Early Warning Services which is owned by a private financial company that is owned by several banks including Chase! When I call and you tell me that you can't help me because XXXX  is a third party App, this is a lie. That third party is Chase. I lost {$600.00}, had no help from Chase or the XXXX which is owned partially by Chase. How can you say that you have nothing to do with the 3rd party App when you are partial owners of it? 

I can't get to a live person on XXXX. I filled a scam report with them where they basically said they will forward it to the receipient 's bank. I doubt anything is ever done. 

I called Chase to file a dispute but when I called on XXXX XXXX they said the funds transfer immediately and when I called on XXXX XXXX to see what else can be done they said it's already posted so they can't do anything. 

How is a bank like Chase offering an app through their site they financially back and offer no fraud protection?
Product: Student loan

On XX/XX/XXXX I filed complaint against Navient for they did my payments and called my job. Filed another on XX/XX/XXXX for their new hidden fees etc. For the current problem I filed for U.S. Small Business Administration disaster assistance loan in XX/XX/XXXX due to Hurricane Michael in XX/XX/XXXX got my reply letter back XX/XX/XXXX said ( denied ) due to my Unsatisfactory history on a federal obligation on line number 4 it say include documentation showing Navient Student loans have been paid in full or proof of satisfactory repayment agreement. I was so angry, Navient know I dont have no federal loans with them. All my federal loans were always current. I reported this to the XXXX   there ( Navient ) responded? Thank you for reaching out to the XXXX with your concerns regarding your private loans. We never report your private loans as federal loans but if you want to settle your debt for a payment in amount of {$11000.00}. If you are interested in learning more about this option, please contact XXXX XXXX directly at XXXX. They do hard credit inquires when can do a soft. This the third time a loan just for one thing can't explain because I can't my credit report and I don't see it only if you are doing a home loan when that underwriter pull it. Right now, XX/XX/XXXX I did VA refinance loan that information came up it still been report by Navient to the credit agencies on me that I owed Navient federal student loans. Navient need to be fined they know I dont have none them. Just to destroy her credit and she pay us. It must be nice to be in partnership with the federal government to collect money for them and investors really thats a lot of power for one company privilege- Navient. Other servicing company don't have authority to do these things.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under ( 15 USC ) ,1681.XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Notice of things are incomplete and not accurate and according to the fair credit reporting act when your consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates ( 15USC ) 1681i5 they are supposed to do this ( 5 ) treatment of an accurate or unverifiable information ( A ) in general after any rein investigation under paragraph ( 1 ) of any information disputed by a consumer reporting agency shall ( 1 ) properly delete the item of the information from the file of the re-investigation, and promptly notify the furniture of that information that has been modified or deleted from the file of the consumer and according ( 15USC ) 1681s-2 they are supposed to furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cars to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a student loan serviced by XXXX ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XX/XX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; XXXX is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to XXXX by phone on XX/XX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with all 3 credit bureaus and ultimately had to file a complaint with the better business bureau to have the issue properly addressed. Equifax was in the process of investigating my dispute at the time therefore they were not included in my complaint ; at this time, they have resolved the dispute and the resolution was to change the payment history to " current '' for only 2 months out of 15 months that show derogatory information and to change the remarks on the account from " student loan permanently assigned to government '' to " consumer disputes after resolution ''. All other credit bureaus have reviewed the documentation I supplied to show the loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education and they have either removed the account entirely or removed all late payment history from the record yet Equifax has only removed 2 months of late payment history. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.
Product: Mortgage

I am currently into month thirty on making the WRONG calculated payment that I should be paying on my 30 year term mortgage ... Recently I was informed that Freedom mortgage was willing to help by increasing my term up to a 40 year term only to save me {$100.00}. Realize that this was after a 2 year miscalculation on my payments from the original lenders that caused this entire mortgage to snowball on me. I was in the process of resolving the issue by paying back the ESCROW SHORTAGE that this caused me when I refinanced from these amateurs. And then at this time it was supposed to be reviewed and adjusted in my favor to get a reduction on my mortgage ... It has now come to terms to seek some kind of help on this entire hardship that is causing me Including all documents and HUD copies to be reviewed. At this time I have no choice rather than to take this bogus offer only so I can afford to continue to fight this matter. Or I may even just pay the taxes only personally to my county to make this matter kick in by getting worse to prove what a missed tax payment from so called Authorized, Professional resources can cause ... I mean how hard can it be to review a scam that took place practically in my hometown approx 30 months ago?? Could both my Girlfriend and I mistakenly misunderstood the closing agent who acted as a notary public on the evening of XXXX XXXX and stated to us that " this cashier 's check for the amount {$2400.00} is going to your county so you KNOW that you have piece of mind knowing that your 1st quarter taxes are paid. '' And we thanked her. XXXX also stated to me that, to make sure to follow up because she did not really know the company that sent her to my home to sign the HUD and she was ONLY working as a notary public on that evening in early XXXX XXXX ... .I actually did call my township and the clerk stated to me that there was a check and they were waiting on the bank code where to place it? At this time I thought everything was fine, and 5 months after that I just starting receiving all kinds of delinquent notices ... ... ..I mean how much more can I prove to you people who ever you even are because I am getting sick and tired of everyone not being a man enough to stand up to me face to face or one on one to at least discuss or resolve this issue because next XXXX XXXX I am going to be on this stupid computer cell phone technology modern science trying to communicate over such a simple matter. Or at least say to me : look XXXX XXXX I am not reading the HUD properly or I was suppose to rush down to my county clerk to start my NEW escrow account. Somebody has to take a look at these facts.
Product: Checking or savings account

On the XX/XX/23 JP Morgan chase closed my account to protect my account against potential fraud and they would mail the balance of my account to me in XXXX days. This never happen and the keep telling me they can not give me more information and will not give me my money of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received letter in mail from Lexis Nexis with a case number and consumer number. The report said they were going to report me to the FBI in Washington DC I was very concerned and called them It took me 35 minutes on hold with them while they transferred me to 3 different people. Then they disconnected me Then I called again and held on for 15 minutes..Then then told me there systems were updating and could not tell me. They told me to call them later in the day they would not call me..This is a threat against me and caused me stress and concern and I cant get any answers.. 
This should be a crime ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.
Product: Credit reporting

On XXXX XXXX 2016 I purchased a new car .At that time no collection was listed, but on XXXX XXXX 2016 a report was listed as collection for $ XXXX.I do not have any idea what this is or whom it is from. It is not mine. I call Equifax at XXXX XXXX XXXX XXXX and all you get is recordings.Never can one speak to a LIVE PERSON. Account number XXXX that was given to me when I made a purchase on XXXX XXXX 2016. Due this error my score dropped over XXXX points. Equifax has a history of entering bogus information. They go by name and SSAN or address plays no role in their determination of how it is entered. This is not the first time this has happened to me personally. 

I would like to have this information removed from my report and to be made aware of what company entered this information. 

I ca n't contact anyone direct -- I have no idea of whom it is..
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting Act the list of accounts below have violated my federal protector consumer rights to privacy and confidentiality under 15 U.S.C. 1681, Section 604A Section 2. I have not provided my written consent to either consumer, nor have I permitted TransUnion, XXXX, or XXXX permission to place the below items on their credit reporting platforms. The information is inconsistently reported throughout my credit report which I have highlighted the inaacuracies and want them DELETED off my credit report. Because of the inaccurate information I have been denied credit to purchase a home for me and my family, a car, new credit cards, and any such credit I choose. The Names listed below are inaccurate and addresses reported. 

My Complaint is with XXXX, TransUnion and XXXX XXXX XXXX XXXX reporting inaccurate information on my credit report. I have filed complaints with Idenity Theft.gov, I have filed complaints with the XXXX, Each credit Bureau and nothing resolved regarding the negative items reported, no names of the individuals who conducted investigations into items placed on my credit report without my written consent or signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE this INACCURATE information from my credit report. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, They have 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 an account without my written instructions
Product: Debt collection

The company stated the account was opened in XXXX then was closed the charges off now the company is saying the account is open and is reporting an opening date is XX/XX/XXXX the company is just putting falsies information on my credit report
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX last XXXX ss # XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT AND THESE LISTED BELOW ARE FRUADULENT UNAUTHORIZED AND UNRECOGNIZED INQUIRIES ON MY CREDIT REPORT. I WOULD LIKE THEM REMOVED IMMEDIATELY. LISTED AS FOLLOW ( S ) XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX, XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX I've conducted no business with these companies. I am sure these inquiries are errors.
Product: Debt collection

You are now put on notice again to stop all collection activities and reporting. I am revoking that now. 
My demands are as follows : For account XXXX XXXXXXXX To provide me with the XXXX XXXX which included XXXX. Account XXXX XXXX. XXXX XXXX. All accounting documents XXXX. All transactional history XXXX. True Invoice- Not Statements Please be sure to provide everything demanded in this notice. If you are unable to provide the demanded information you must delete these accounts immediately. If you fail to communicate to the consumer reporting agencies that this debt is in dispute, that would be a violation according to XXXX XXXX ( XXXX ) false and misleading representation. The law is very clear as to the civil liability and the remedy available to me, according to XXXX XXXX ( k ). Furthermore more failure to honor this requested demand will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained. 
Please be aware that freezing this account has not been updated to my credit report. 

You have XXXX days to reply.
Product: Debt collection

The debt collector had been harrassing me and my family. They threated to take me to court, guarnish my wages, and they even threatened to go into my sisters house to look for me. Sadly, I agreed to pay them in two payments which would take care of the debt. This account was supposed to be paid in full since 2019 but no letter or email was sent in regards to this account. I've tried many attempts to contact this company but all I have been getting is " call back tomorrow ''. 

XXXX XXXX XXXX NC Posted to account XX/XX/2019 Amount : {$230.00} XXXX XXXX XXXX NC Posted to account XX/XX/2019 Amount : {$230.00}
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Employer - 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 XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX Experian are are responsible for the following violations for reporting my EXPERIENCE With said creditor, Here is a list of improper use of my consumer report. 


XXXX 62 % credit card utilization XXXX  86 % credit card utilization XXXX  XXXX 77 % credit card utilization XXXX XXXX XXXX 83 % credit card utilization XXXX  XXXX 55 % credit card utilization Under 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS Except as provided in paragraph ( 3 ), The term Consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW STATES : ( Consumer reporting agencies or experiences between the consumer ( Me ) and the person ( You ) *CREDITOR* Making the report is not included on my consumer report.

Utilization is an experience with the line of credit that was extended between the consumer ( Me ) and the person ( You ) *creditor* that is making the report. Congress states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports.
You have violated the FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which congress states IS NOT included on my consumer reports.
Product: Credit reporting or other personal consumer reports

FB & T XXXX XXXX XXXXXXXX XXXX, SD XXXX ( XXXX ) XXXX Reported late payments XX/XX/XXXX and XX/XX/XXXX when this was on autopay as part of payment arrangement. Payment could not have been late All other payments from XX/XX/XXXX through XX/XX/XXXX were fine. It does not make sense