23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a copy of my credit report. It shows numerous inquiries from Chase Mortgage. I have no business with Chase Mortgage. I do have an auto loan with Chase. In the past XXXX years, Chase Mortgage has made more than XXXX soft inquiries into my credit history. Soft inquiries are for business purposes but I have no business with Chase Mortgage in any fashion nor have I inquiried into obtaining XXXX. Moreover, I have never received an offer from them. On the other hand, I only have XXXX inquire from Chase XXXX. At this point, I believe someone with Chase Mortgage is abusing their privileges to inquire about a person 's financial history. This is abusive. Whaat steps is Chase Mortgage taking to insure their employees are not abusing their sensitive information access. 

It confuses me how you would try and tie me to an account that does not belong to me. I received a letter from Chase with a person named XXXX at point of contact. He attached a loan that does n't belong to me and provide a contact number which I have never provided.i will repeat I only have an Chase XXXX loan. Chase needs to explain to me throughly or I will have to take it a step further. 

P.S. USE THE INFORMATION I PROVIDED TO CORRECTLY IDENTIFY THE CORRECT PERSON. DO NOT INSULT MY INTELLIGENCE.
Product: Credit card

Case Description : Brand New Customer and I 've had nothing but horrible customer service and still unable to use my card, ca n't seem to find anyone willing to help. 
I ordered a Wal-Mart Credit Card around XXXX, and after having to have the card re-mailed 2 times, I finally received it on XXXX. I ordered the card specifically to be able to get my children 's layaway out and for no other purpose. I received my card on XXXX, called in and activated my card prior to heading up to Wal-Mart to pay off the layaway. My card never went through and so I had to get out of line to call in and figure out why. After speaking to the representative I was informed that a fraud alert was placed on the account and that I needed to verify some information. I verified with the representative my Name, Address, Phone Number, Social Security Number etc ... They then proceeded to tell me that they were going to send a text message to my cell number, which they did the day I was approved for my card, and several other times prior to with no problem, but for some reason on this particular day, they were not able to verify me with " the same phone number I 've always used and previously been verified on '' in order to remove the fraud restriction and allow me to complete my transaction. Every time I call in, every single representative has been not only rude, but does n't answer questions that you ask, talk over and you can clearly tell that they do not care about Customer Service at all. It logically makes no sense, that a person can verify every single piece of information on their account but not be considered " verified '' b/c of a cell phone number!!!! Especially when I 've previously been verified on the very same cell phone number numerous times before. I also tried giving them XXXX other numbers and they were n't able to use any of them. This situation is beyond frustrating and b/c I have not been able to get a Customer Service Agent on the line willing to help, I had to take this route instead. All I want is for the restriction to be removed so that I can complete my transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Federal Loan service provider Nelnet has not reported accurate information on my credit profile regarding my student loans, and has impacted my ability to secure housing. I am currently homeless due to Nelnet 's negligence in reporting fair, timely, and accurate information according to the FCRA. 

As of XX/XX/2023, my student loan balance has been paid in full in the amount of XXXX, XXXX. Nelnet is no longer a servicer of this account and therefore should delete this account from my credit profile. Nelnet has failed to report updated account information in which my account appears to be delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with multiple reps at experian about their reporting of inaccurate information that they have reporting on my credit report. They are beyond difficult working with. On XX/XX/2020 I spoke with a representative to dispute a few accounts and some addresses that they were reporting on my file that I never even heard of. They notified me that they were not able to remove the address because a creditor reported that address with an account that also didnt belong to me. I notified them of that account as well and it was disputed. Experian will not remove the address even though I have told them it was not mine. I even spoke with the company that reported it and they couldn't give me any information on one of the accounts. The second company had my actual address and didnt know anything about the address either. Yet experian refuses to remove this incorrect information from my credit report regardless if I'm telling them that I have never been associated with the information. I have already been told that my file was a crossed file with someone else and there is a note in my file that says so. I feel that my rights are being violated and from my knowledge that would be a violation under fcra 616 and 617.
Product: Credit reporting or other personal consumer reports

In XXXX, I completed disputes with XXXX and XXXX to resolve incorrect reporting of my Dept of Education/Nelnet accounts that were opened on XX/XX/XXXX with balances in the amount of {$33000.00} and {$27000.00} respectively. These loans were originated as a federal student loan consolidation with an origination date of XX/XX/XXXX and final payoff and closing date of XX/XX/XXXX as documented with the Department of Education. A copy of the loan documentation sourced from the Department of Education is attached herein. 

Currently, both the XXXX and XXXX reporting of these accounts are inaccurate. Both CRAs continue to falsely report that these accounts were opened on XX/XX/XXXX and closed on XX/XX/XXXX, triggering a false reporting that the accounts were only open for a total of 7 months. Further, additional information fields continue to report incomplete or inaccurate information. A copy of the account reporting issued by XXXX and XXXX is attached herein with all incorrect fields requiring updating highlighted in yellow. 

After completing a series of disputes to correct this information, the dispute results issued by both CRAs falsely confirmed that the information was verified with the furnisher as correct. A copy of XXXX 's dispute results as of XX/XX/XXXX is attached to this complaint. XXXX also received a dispute for this account however results were not made available to me as the site continues to block, restrict, and prevent access to my disputes. Attached is a copy of the error messages and screen messages I received when attempting to access my dispute results for these loans. 

This complaint is being filed to request prompt correct of the inaccuracies currently being reported, including updating the payment history, loan close date to XX/XX/XXXX as documented by the Department of Education, and the other accuracies as indicated in the attached
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX # XXXXDate Opened XX/XX/XXXX -BALANCE {$3400.00} Account Name : XXXX XXXX XXXX # XXXX Date Opened XXXX Balance {$0.00} Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX-Balance {$0.00} Account Name : XXXX XXXX # XXXX Date Opened XXXX {$1600.00} Account Name : XXXX # XXXX Date Opened XX/XX/XXXX-Balance {$0.00} Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - {$2500.00} Account Name : XXXX XXXX XXXX # XXXX Date Opened XXXX Balance {$760.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - {$1200.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX - {$3900.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called credit card company to find out why my account was closed and found out it was due to a typo on bank account number, which caused their auto pay transactions to get declined- which resulted in my account being automatically closed. 

However, I got no notifications from the credit card company that this was happening and I was manually making payments on my card on time. I called customer service and my account was reopened in XX/XX/2021. It's now XX/XX/2021 and my credit report still shows the wrong account status and wrong balance. 

I disputed it with XXXX and they found in favor of credit card company. I'm appealing the decision as I have current credit card statement showing my account us open and balance is {$0.00}.
Product: Credit reporting or other personal consumer reports

It has been reported to my Experian consumer report, that I was late on a payment with XXXX XXXX I was never given a proper due process with this, and was never late or informaed propely of this
Product: Money transfer, virtual currency, or money service

My organization was scammed out of XXXX from two separate accounts. We couldnt receive our money back, this was our first year as an organization. We never received a refund or uniforms for our kids to start the season.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to update by calling directly. Always answered by a person who's voice is not compatible with telephones, as such I could not understand the questions - thus the problem though they did try to help. 
Address and other personal data needs to be updated. 
Info listed in fair resolution window.
Product: Mortgage

I recently checked my credit score, it went down XXXX points since XX/XX/XXXX. While I was reteaching what happened and why, I noticed an increase of {$10000.00}. I then visited my account information on my mortgage holders website and saw this same dollar amount. US Bank called it a " Recoverable Corporate Advance ''. I contacted them but no one could explain what this was or why but that it was mandatory. What does this mean?
Product: Checking or savings account

I am writing to file a formal complaint against Bank of America concerning their handling of a recent dispute. Approximately a year ago, I placed several pre-orders through XXXX with a merchant. I have substantial evidence, including email correspondence, indicating that the merchant will not fulfill these orders due to a warehouse issue. The merchant has advised me to seek a refund through my bank. 

I have successfully disputed similar charges with other financial institutions, such as XXXX ( under XXXX ) and XXXX XXXX, for the same merchant and timeframe. However, Bank of America has consistently refused to investigate my disputes, citing their policy of not reviewing transactions older than 60 days. This stance persists despite my clear and irrefutable evidence supporting my claim for a credit. 

Furthermore, Bank of America initially opened my disputes but subsequently closed them within days without conducting a thorough investigation. This lack of action has left me with no resolution for the disputed charges. 

I respectfully request your assistance in addressing this issue and ensuring that Bank of America adheres to proper dispute resolution practices. 

Thank you for your attention to this matter.
Product: Debt collection

My debt is paid in full with Midland Funding LLC, XXXX XXXX, XXXX, MI XXXX, as of XX/XX/2020. Their phone number is XXXX XXXX XXXX XXXX. Midland Funding continues to report a zero balance on my credit report. While the balance is XXXX, it shows as a current collection, which it is not. I ask that they remove the XXXX balance remark on my credit report. 

Secondly, since the account is paid in full, Midland Funding has not update the Michigan Department of Treasury. Therefore, my state of Michigan tax refund of {$400.00} was sent to them. I am requesting that Midland Funding return my state of Michigan income tax refund immediately. 

Thank you.
Product: Debt collection

REVENUE RECOVERY CORPORATION XXXX I have a a unverified account fromREVENUE RECOVERY CORP. I had previously disputed this account. I have never done business with REVENUE RECOVERY CORP Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt REVENUE RECOVERY CORP and I believe it is a HIPPA Act violation. I request that REVENUE RECOVERY CORP Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that REVENUE RECOVERY CORP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumberXXXX
Product: Checking or savings account

On XX/XX/XXXX, I received a Wells Fargo notification stating that a transaction using my debit card ( ending in XXXX ) was declined due to a system issue : Transaction Amount : {$500.00} USD Location : XXXX XXXX XXXX, XXXX, CA XXXX : XX/XX/XXXX, XXXX PM ( US/Pacific ) XXXX after XXXX I received another notification for a declined transaction at XXXX XXXX  from the same location, same amount and also declined. 

When I logged into the Wells Fargo app, I noticed an unauthorized transaction of {$2000.00} had been withdrawn from my savings account on XX/XX/XXXX, with XXXX listed as the transaction locationmatching the declined transactions. 

I immediately turned off my card through the app, contacted Wells Fargo to cancel the card, and was issued a replacement. A claim was filed for the unauthorized transaction that same day. 

During the claims process, I followed up multiple times for updates. However, on XX/XX/XXXX, I was informed that my claim was denied without any explanation. When I called back on XX/XX/XXXX, a representative stated that the claim would remain denied and further actionsuch as filing a police reportwould not lead to reconsideration. 

I am extremely concerned about this outcome, as I took immediate action to report the unauthorized transaction and have been proactive in resolving this issue.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im demanding that the following unauthorized accounts be removed from my credit file. These accounts are an direct result of my identity being lost and compromised. Please remove the following. 

1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX 5 ) Dept of ED/ XXXX  {$31000.00} 6 ) XXXX/ XXXX  7 ) XXXX  8 ) XXXX 9 ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information in mt credit report and to bring to your attention a violation of 15 U.S. Code & 16811i ( a ), which governs reinvestigations of disputed credit report entries. 
I previously submitted a dispute regarding XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX on XX/XX/year>. According to 15 U.S. Code & 1681i ( a ), you were legally required to conduct a reasonable reinvestigation within 30 days ( or 45 days under certain circumstances ) and either verify, correct, or delete the dispute information. However, you have failed to comply with this legal requirement in the following ways : Failure to Reinvestigate you did not conduct a reasonable investigation into my dispute.

Failure to provide Result you did not notify me of the result of the reinvestigation within the required timeframe. 
Failure to Delete Inaccurate information Despite my request and supporting evidence, the erroneous information remain on my credit file. 
This failure to comply with federal law has caused harm to my credit worthiness and financial well-being. As such, I am demanding the following actions : 1.Immediate removal of inaccurate information.

2.A copy of my updated credit report showing the correction.

3.A written explanation of your failure to comply with 15 U.S. Code & 1681i ( a ).
Product: Student loan

I worked for a certified employer from XXXX until XXXX. I have been given credit for under the PSLF program for XXXX, XXXX ( TEPLSF ) and XXXX. XXXX has not been given credit. I understood that payment programs did that did not count under PSLF would be counted under TEPLSF. 

I am attaching confirmation of my working for a certified public employer and my request for reconsideration for XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$6000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00}
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 items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed 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 block/remove these files. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX  XXXX Balance Owed : {$14000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research itemsI found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting act XXXX Account # 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX