23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was looking for a vendor to get a mortgage through. I of course went and shopped around to find the lowest interest rate/closing costs. I provided a quote from XXXX to Chase Bank. Chase Bank agreed to match the rate/closing. Throughout my entire time with Chase I have received lack of follow up, delays in obtaining my mortgage due to several Chase issues, my sellers lost their interest rate lock in due to Chase and the list continues. I am okay with how inadequate Chase was through the underwriting process, but I am not okay with the fact that they promised to match rates/costs and they did not. Chase overcharged me by almost {$3000.00} in closing costs. This is something my attorney uncovered. When this was brought to Chase 's attention I was assured that they would look at this and compare the costs again to ensure it was in line with the quote I initially provided, and would make sure this was updated prior to closing. At closing my attorney indicated nothing was changed, it was still the same and completely out of line with the other competitors costs. I contacted Chase who assured me they would work with management to get this resolved after the fact. I proceeded with closing as we were 30 days past original close date as is and my sellers were now at risk of losing the home they put a purchase offer on. I followed up with Chase on numerous occasions as of close date, with little response. Managers contacted me due to me escalating, and they too did not follow up with resolution as promised. I brought the closing costs to Chase 's attention on XXXX, it was still unresolved at my close on XXXX. I continued to dispute this with Chase from XXXX/XXXX/15 to XXXX/XXXX/2015. I have followed a couple times each week, or weekly without any type of response from managers at Chase. I looked up the VP in my area and sent a letter to her in hopes that someone would respond and return the money that was rightfully mine and not Chase 's. The contact I last received was on XXXX/XXXX/2015 from senior management resolution team at Chase indicating that my request was denied. I have plenty of documentation/emails showing the discrepancies and the promises to match. I am happy to provide any documentation needed.
Product: Debt collection

I had an account go into collections for Capital one Bank USA, NA. The Amount due was {$1000.00} and the account was settled out XX/XX/2019. The Company that holds the debt XXXX XXXX said they sent over the settlement info to capital one a while ago and that i needed to contact them. Capital keeps sending me back to XXXX XXXX for information. I just need this account to be settled ASAP ... THKS
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. 

The following account ( s ) exceeds more than seven years ; which violates the statutory time period under the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ) from the date of its alleged delinquency, and should be removed IMMEDIATELY. In addition, XXXX XXXXXXXX XXXX XXXX has violated the FDCPA by sending incomplete debt collection validation information. 


Alleged Creditor : XXXX XXXX  XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$290.00} Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ), the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 

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

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$490.00} XXXX  XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$5700.00} XXXX  XXXX Balance : {$5000.00} XXXX  XXXX Balance : {$490.00} XXXX XXXX Balance : {$490.00} XXXX  XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5800.00} XXXX  XXXX Balance : {$5100.00}
Product: Credit card

XX/XX/2023 received a text message saying I could pay my {$2100.00} bill online. This fraud charge was supposed to be over and the text alert is the way I found out it wasnt. When I called I was told that I needed dates and exact amounts of charges. I explained that I didnt make that I didnt know because I didnt make the charges. Fraud said they would send me copies of every fraudulent charge since XXXX so that I could call back and report each charge fraudulent individually. I never needed that information on the several previous charges I disputed. They also wont stop the late charges from being reported to the credit bureau. So now I have to dispute it with XXXX again. I believe they are retaliating against me for filing the previous complaint.
Product: Debt collection

first let me start by saying I do not owe anything that is in collections, I have had nothing show on my credit report as owing a debt, and I have received no notices in the mail regarding owning a debt that is in collections. This company Sequium Asset Solutions located at XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX repetitively call me and my mothers phones from spoofed local numbers when I do not owe anything that is in collections. When I called the number back, instantly there was a recording to state you were calling Sequium Asset Solutions and then rambled off a debt owed amount without even speaking to someone or confirming who was on the line ( isn't this illegal? ) once I was connected to a representative and I asked to not get phone calls anymore, they instantly hung up on me before I could even muster that sentence out of my mouth. This company also TEXTED my phone before with a link to collect debt, obviously I did not click this. I am concerned this is not a legitimate company, collecting on debts that are old/do not belong to people or are scammers. The calls have been going on for a week now and finally today ( XX/XX/2020 ) I have had enough. This " company '' uses very deceptive practices. I also noticed upon a quick XXXX search of this " company '', numerous people have stated the same or similar events.
Product: Credit reporting or other personal consumer reports

I have an education loan with XXXX XXXX XXXX XXXX XXXX and it was serviced via XXXX XXXX XXXX XXXX XXXX. 

I have been flagged for a delinquent account for which I received no notice. I went into the XXXXserviced account back in XXXX to turn off the auto-pay of a bank account that we no longer use and was hoping to change to a new bank account ; however, they do not allow you to simply switch it over. So I was made to come back at a later date. Forgive me if I may have forgotten to do the new auto pay, but I did not ; however, my communication with XXXX did not change at all. My emails remained identical to had I been current with the loan. This does not seem logical, especially given the consequences of credit reporting. 

At no point did I receive an external communication stating that my account was " late '' or " delinquent. '' XXXX XXXX can confirm this and they state that these notices were posted to my XXXX account ( not my email linked to the account ). My issue is that there is nothing in the external communications to let me know that this account was late or delinquent - I have posted the email inbox here with my communications from XXXX. I do not understand how this is logical or fair. XXXX or others let one know in the headline of the external email what the communication pertains to. XXXX doesn't, nor do they ramp up communication if the account is delinquent. They flag your account ( a 10 year mark ) without any warning. 

And please can we forget phone calls - everyone in america gets a robocall every XXXX minutes, so that form of communication has been diluted down to be made completely ineffective. They suggest they " called twice '' but that is hard to believe amongst the chatter of robocalls. Email is preferred and the viable line of communication. 

I would like to dispute the flag on my account but more so to help others who deal with XXXX. Please hold these service providers responsible for clear communication so that the next customer is made aware that their account is about to be irreparably flagged.
Product: Debt collection

Today XXXX my husband was contacted by a XXXX XXXX informing him that he represented XXXX XXXX XXXX and he would be here tomorrow to serve him papers. Then they sent over a form to put our banking information so we could clear the debt from XXXX at Wachovia ( which we did years ago ) I told my husband not to fill anything out as it sounds very sketchy.
Product: Checking or savings account

Santander bank received a request fro XXXX and they [ aid it despite the fact that my account is the type pf account that should not be over-drafted. They should have returned the amount unpaid. They then charged my account XXXX $ in fees. When I called to ask for help, the representative told me she was closing my account. I asked her not to. I called 3 other times and spend more than 7 hours on the phone with them. They told me my account was reopened and everything was fine. Two months later, i started getting calls from a collection agency. The collection agency calls me several times a day and says there is no way to resolve the issue aside form paying the amount. I have spent enough hours on the phone with Santander bank and they need to delete the debt like they said they would.
Product: Credit reporting or other personal consumer reports

I am asking Experian to reinvestigate because they respond that the charge off information was citified which I disagree so I'm asking for them to reinvestigate all the 3 charge off which are hurting my credit Subject : R

equest for Reinvestigation of Charge-Off Accounts Dear Experian Dispute Team, I am writing to formally request a reinvestigation of three charge-off accounts that were recently reviewed in a previous investigation. I disagree with the results, as I believe they contain inaccuracies, and I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request a comprehensive reinvestigation.

Under the FCRA, specifically Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I believe these charge-offs meet these criteria. Thus, I am requesting that Experian : Reverify the accuracy of these charge-offs, ensuring all relevant documents and data from the original creditors are thoroughly reviewed. 
Provide me with all documentation from the furnishers verifying the legitimacy of these charges and their accuracy. 
Remove or correct these charge-off entries if they are found to be inaccurate or unsubstantiated in the reinvestigation process. 
Please consider this a formal reinvestigation request, and I would appreciate a response within the timeframe stipulated under the FCRA. I trust that Experian will follow the due process in accordance with FCRA guidelines and ensure that my consumer rights are fully upheld. 

Thank you for your attention to this matter. Please reach out to me directly if you need additional information to facilitate this reinvestigation. 
ps : I will attach the Accounts and their numbers
Product: Checking or savings account

Today, XX/XX/2021, I received an email that my Chime Account would be closed for no apparent reason. My account contained over {$3000.00}. After speaking with someone at Chime, they would not tell me why my account was closed or if I would be receiving my funds that were in my account. I have access to no funds and Im not getting any answers.
Product: Debt collection

I have a account reporting on my credit for utility services that I have no knowledge of. The debt originated from XXXX at a time where I know I didnt have services. This debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, 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 items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
The items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX Balance : {$3400.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00}, XXXX XXXX XXXX Balance : {$740.00}, XXXX XXXX Balance : {$0.00}, XXXX, XXXX XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$820.00}, XXXX XX/XX/2021
Product: Debt collection

XX/XX/XXXX I was approved on an individual basis for an XXXX XXXX credit card through XXXX. According to Regulation Z page XXXX ( under XXXX years of age ) and page XXXX ( under limitations on fees ), I was approved on an improper basis. I was under XXXX at the time, with no income, job, or assets. My ex fiance at the time was also approved for a card on an individual basis in which he was much older than me with his own business, house, mortgage, car payments. He paid for everything minus what little cash I obtained from doing paper work for his business at the time to pay on this credit card with an APR of more than 25 %. I feel that I have paid enough interest and actual payments on this debt to cover the whole {$2800.00}. I was n't actually earning my own income until XX/XX/XXXX. In the meantime I had gone to school and obtained my own job. I now am a XXXX only able to work 10-15 hours/week, car loan payments through my bank, a personal loan I paid off 2 years ago for an internet scam I was involved in, monthly rent, electrical bills, phone bill, tuition loans I have through my college. Not to mention I am on government food service assistance. This debt that I was more than loyal to for years should be relinquished. There is no way I can afford this amount whether it be in small payments or not. I have paid my share and feel that I was approved for this credit card in error from the beginning, based on my ex fiances assets and credit score. As if being a XXXX is n't stressful enough, I have been stressing about his debt that is hurting my credit score!
Product: Debt collection

This company has continued to report fraudulent information that does not belong to me on my credit.
Product: Credit reporting or other personal consumer reports

Youre company its breaking the laws i need maximum accuracy on my credit report. Using a XXXX generated code its not verifying accurate data.i need someone to send me. The investigation you did to verify all accounts on my credit report. As well as my written consent to report on my credit report
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX was tasked with validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable. 
The date of the original charge-off or delinquency. 
XXXX that the debt was assigned or sold to the collector. 
A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 
None of this information was provided. Additionally, XXXXXXXX XXXX XXXXXXXX XXXX manipulated data originally present in my file. The attached documents show that the initial account was linked to " XXXX XXXX XXXX XXXX XXXX, XXXX, Illinois. '' After this information was confirmed to be fraudulent, XXXX Bank XXXX XXXX altered the document file to " XXXX XXXX XXXX XXXX XXXX XXXX, Illinois. '' This missing information, combined with the deliberate manipulation of my consumer data for corporate benefit, constitutes violations of the Fair Credit Reporting Act ( FCRA ) and consumer rights laws, specifically 611 ( 15 U.S.C. 1681i ), which pertains to the treatment of inaccurate or unverifiable information. 
Because the information required for account accuracy validation has been manipulated and is, therefore, invalid, XXXXXXXX XXXX XXXXXXXX XXXX is obligated to delete the account and any related connections to my personal information.
Product: Credit reporting or other personal consumer reports

I entered into an SBA loan in XXXX of XXXX in the amount of {$350000.00}. The loan facilitator was XXXX XXXXXXXX XXXX  XXXX XXXX XXXX FL. In XXXX of XXXX I filed XXXX XXXX  personal bankruptcy and lost my business. In XXXX of XXXX the bankruptcy was discharged. After a couple of years of grinding I was able to salvage my credit. I sold my house and entered into an agreement for a construction loan with XXXX XXXXXXXX XXXX  in XXXX Arkansas. They pulled my credit report and other than the bankruptcy showing up, it was fine. We knew the Bankruptcy would be there. We entered into an agreement for construction in XXXX of XXXX. XXXX of XXXX I get a call from XXXX XXXXXXXX XXXX  asking if I had taken out an SBA loan. I said no, but I had one that was included in my bankruptcy. They advised that the SBA has reported an outstanding debt on my report. I began the process of trying to have that removed from my report because it was included in the bankruptcy. After months of no satisfaction, XX/XX/XXXX I retain my bankruptcy attorney to assist. My attorney contacted SBA and was told that they can confirm it was a mistake and it would be rectified on the next reporting cycle. It was never rectified. We attempted to contact the SBA again about it, but our contact is not responding to us. XXXX I submitted a formal complaint to the bureaus. The results came back as accurate. Knowing its not accurate on XXXX I uploaded the supporting court documents and submitted them online and by regular mail. It wasn't long after that that the report was corrected. Then in early XX/XX/XXXX I received notice that derogatory reports had been made to my report. I looked it up and the SBA had AGAIN reported the loan as outstanding. On XX/XX/XXXX I submitted my dispute with the documentation and again it came back as accurate. It's definitely not accurate. I think the mistake is in the fact that the facilitator XXXX XXXX XXXX and the SBA used different account numbers for the same account. It's probably internal only for them but it's causing me problems. I need this removed from my report as it was most definitely included in the bankruptcy and discharged XXXX of XXXX
Product: Debt collection

I have a bill on my credit report that has been shared in collections with a third party agency. I know for a fact this bill is well over seven years old and the amount is way over the actual bill can you please help me.
Product: Debt collection

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

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

Despite of my previous request, the 3 credit bureaus still failed to fixed this issue. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and help me delete it all right away : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance XXXX : {$900.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and XXXX have got into the hands of the wrong person.