23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Today 's date is XX/XX/2023. Over the past week I have attempted several times to log in to my Chase credit card account to monitor activity and download statements to my personal accounting software. I have been presented with the requirement of agreeing to two different agreements in order to access my information. The first is the Online and XXXX XXXX XXXX and Consent Agreement. This establishes whether I'm willing to receive electronic communications as opposed to paper communication. I'm not especially happy with it but I would agree to it. The second agreement is the Digital Services Agreement, which is 128 pages of legal jargon that is apparently intended to obfuscate any issue while you sign away your rights to any paper documentation about any of your accounts. It also states that in order to use their services you must have a computer or other device capable of receiving electronic communications, a connection to the internet, and software capable of communicating with their system. They state clearly that regardless of which preferences you have indicated they may just decide to send any communications to you electronically. Apparently we no longer have a choice. It also says if you choose not to agree to the stated terms you will not be able to access your information on their digital platform. 

I have called customer service for Chase and been told that I must agree. When I demurred I was routed to the next level of customer service. I was then routed to the next level of customer service where the call was disconnected. I tried calling back and was told that they could not understand what I was saying. Unfortunately I do not have the resources to terminate my relation with Chase or I would do so immediately. 

It is apparent that Chase does not expect anyone to actually read this agreement. They expect people to automatically agree to get access to their information. I do not agree. I will not agree. But there must be a way for me to get the information I need. Chase is not forthcoming with instructions to help me.
Product: Mortgage

I had a mortgage loan with Litton loan servicing I fell behind on my payments and was given a loan modification. What I did not realize is XXXX added XXXX to my loan balance in fees for the modification. Ocwen brought my loan and I did fine until I had some life threatening health issues, which caused me to fall behind on my payments. After being threatened with foreclosure I decided to sell my home. I 've been asking for a payoff amount for a few months. I was told to refer to the princable amount listed on the website. After entering into a contract with a buyer I was told the payoff amout is an additional XXXX dollars. The amount on the web site states XXXX. What recourse do I have to stop from paying these bogus fees.
Product: Vehicle loan or lease

On XX/XX/2023 I was alerted to a drop in my credit for a delinquent payment on an auto loan that has not had a late payment in 3 years. I had auto-pay set up on the prior payment which had processed. Upon further investigation I called the company ( Golden1 Credit Union ) and was advised that the employee could remove the late payment mark on my credit score on their end due to a failure in their system. ( done at XXXX XXXX  ). It was confirmed that the automatic payment wasn't present in their system. There was also confirmed by the employee that no email would be sent to confirm said reoccurring payment. 

Upon calling back at XXXX ( to Golden1 Credit Union ) and asking for a letterhead of confirmation either mailed or emailed i was advised that the previous employee was incorrect by their standards. At this point I asked about the app and security updates which has plagued the application. Unfortunately there are no branches within decent distance so all contact has been via phone and application. Employee also enquired about phone calls that were to be sent out at 14days past due which were never received and no confirmation could be given by the employee they attempted contact. 

Also no statements have ever been sent to address on account NOR were they digitally sent. 

There was no written notice about cancelled autopayment, no phone call, nor email.
Product: Debt collection

Credit card company calls me at least XXXX times per day attempting to collect payment. I received a letter stating I had until a specific date to contact them regarding my debt before they turn it over for legal action, and they have still continued to call repeatedly XXXX times per day.
Product: Credit reporting or other personal consumer reports

XXXX is reporting two accounts as open that should not be open and were included in XXXX 

Dureva- is reported open XXXX XXXX- is reported open By having these accounts reporting open it is lowering my credit score. This seems to be a habit of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$97.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$97.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$770.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have sent Equifax several letters about reporting of a bankruptcy on my credit profile. THIS SERVES AS OFFICIAL WRITTEN NOTICE. I have NEVER given Equifax permission to report this information on my consumer profile. There was no permissible purpose for Equifax to fish out this information pursuant to 15 USC 1681b. I demand a reinvestigation and to be supplied with names/ titles of individuals spoken with that verifies this information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion and XXXX for their failure to properly investigate and address my identity theft dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Background : Identity Theft Incident : I have been a victim of identity theft, which has resulted in several fraudulent accounts and incorrect information appearing on my credit reports with TransUnion and XXXX. 

Reporting and Documentation : Following the guidance provided by the credit bureaus, I filed the appropriate identity theft report with the Federal Trade Commission ( FTC ). I also submitted an affidavit of dispute, along with three forms of identification to both TransUnion and XXXX. 

Non-Compliance by TransUnion and XXXX : Despite my adherence to all necessary procedures, TransUnion has responded with a letter stating that my disputes do not appear to be from me, which is both incorrect and unlawful. I have made multiple attempts to rectify this situation by providing all requested documentation, including my FTC report and a sworn affidavit. However, both TransUnion and XXXX have failed to open a proper investigation into my claims and rectify the inaccuracies on my credit report. 

Fraudulent Account Details : One of the fraudulent accounts that I am disputing is with XXXX, account number XXXX, with an amount of {$480.00}. 

Violations : Fair Credit Reporting Act ( FCRA ) Violations : TransUnion and XXXX are in violation of FCRA provisions, which mandate that credit reporting agencies must conduct a thorough investigation upon receiving a dispute along with appropriate identity theft documentation. 

Failure to Conduct a Proper Investigation : By dismissing my dispute and failing to open a proper investigation, TransUnion and XXXX are neglecting their legal obligations under FCRA Section 611 ( 15 U.S. Code 1681i ), which requires a reasonable investigation of disputed information.
Product: Credit card

Bank of America gave me a payoff balance to a credit card. I sent the check in full and asked to close the account. Bank of America did not close the account and charged me {$15.00}. They than reported it late for the next 120 days. At this point they closed it and removed the {$15.00} charge. This damaged my credit score tremendously and ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new car and home. 

These are the accounts and their account numbers : 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 XXXX XXXX XXXX  Account number- XXXX Please remove it from my credit report. 

Account name- XXXX XXXX XXXX XXXX Account number- XXXX Please remove it from my credit report. 

Account name- XXXX XXXX XXXX Account number- XXXX Please remove it from my credit report. 

LAWS NOT FOLLOWED- 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Vehicle loan or lease

My loan number with Honda financial services is XXXX social security number is XXXX XXXX XXXX is my name my date of birth is XX/XX/XXXX. I have 9 payment s remaining and my balance is XXXX I told Honda customer service that I'll be late for the XXXX payment and ask them if they can change my due date or get me an extension. Their refuse to grant Ethier one or other. I've been a good customer and my loan is almost pay off. Can you please ask them to help me in good faith thank you
Product: Credit reporting or other personal consumer reports

I am not aware of this account. I have reached out to 3 credit bureaus and XXXX XXXX XXXX to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an FTC complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from 3 Bureaus. Thus, I am reaching out to seek assistance to have XXXX XXXX XXXX that I have no account with them and 3 credit bureaus can simply remove it from my credit. 


I was just able to take a look at my credit report, and am stunned, and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why these companies are putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time. 

Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet a year back that resulted in me being a victim to identify theft.I contacted XXXX as well as transunion via letter XXXX XXXX it is now fXX/XX/XXXXand i have yet to recieve a reply.
Product: Vehicle loan or lease

XXXX XXXX has been paid in full account still shows open and not paid in full. Paid in full should be reflecting on credit.
Product: Credit card or prepaid card

In XX/XX/2021 my Amazon CHASE CARD, was hacked. I immediately called Chase and closed the card. Chase Bank not only did NOT close the account but issued new accounts to the fraudsters in California-I live in Florida enabling the thievery to continue. The Fraudsters continued to charge up to XXXX dollars-with statements sent to CA so I was unaware they did not close the account. After no joke-over XXXX phone calls and the phone run around it can not get this resolved. 
I went to file and Police report, and they requested the statements from XXXX XXXX. After giving them my correct address-they sent the statements to the Fraudsters in California as well a fraud paperwork I was to fill out-not once but TWICE. 
As of yesterday I was unaware Chase kept an account STILL OPEN under my name. 

I have been lied to " we don't have a legal department, '' " I closed the account, '' " I mailed you the statements. '' CHASE BANK is RESPONSIBLE FOR NOT CLOSING THE ACCOUNT, ISSUING COUNTLESS ACCOUNT AND ENABLING THIS TO CONTINUE FOR ALMOST XXXX YEARS. I HAVE CONTACTED LEGAL COUNCIL AND AM READY TO SUE FOR NEGLIGENCE, HARASSMENT, SHARING MY PRIVATE INFORMATION, LYING, AND XXXX YEARS OF STRESS AND ANXIETY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my Transunion credit score through XXXX XXXX and my score decreased by 71 points. The only change that was made was that I made a payment on my XXXX account to decrease my credit card utilization which went from 80 % to 53 %. My credit score should not have dropped because of paying down a revolving account.
Product: Mortgage

In 2008 we purchased a property directly from Wells Fargo that was a foreclosure. The property had a single family residence & a mobile home on a permanent foundation.Wells Fargo financed it through their home mortgage department. The interest rate was 6 1/2 % at the time. As interest rates started to decline I called Wells Fargo multiple times to get a refinance. I also received cold calls from them about refinancing it. They declined each & every time. They finally explained to me the reason behind refusing to refinance. It was due to the mobile home on the property.Desperate I called XXXX XXXX XXXXXXXX to see if I could get a refinance through them & received the same response. I found all my disclosure docs from Wells Fargo, and no where is it disclosed about cautions or warnings about the hazards & potential difficulty of refinacing a property with a mobile home.They have a fiduciary duty of utmost care, integrity, honesty & loyalty to the Financee. A duty to disclose all material facts affecting the desrability of the property due to difficulty of refinancing. In the last 11 years we have paid tens of thousands of dollars in finance charges due to the high interest rates.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account iam asking you to verify, account nameXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

information provide to CRA did make some of the changes i request.
Product: Mortgage

In XX/XX/XXXX, I lost my job due to COVID-related issues. Spoke with my mortgage department about the subject. I was given a special forbearance until XX/XX/XXXX. I notified my mortgage company in XX/XX/XXXX that I had returned to work. I was told I was on a forbearance until XXXX. In XXXX, Carrington then reported all my back payments on my credit report. I submitted documents to Carrington for Loss Mitigation in XXXX for months, this was drug out by Carrington. This took until XXXX of XXXX to come up with a Loan Modification plan, The new loan payment was to be {$4100.00}, and my income is {$9200.00}. I understand that I'm behind on my loan payments, but having this type of interest rate is not a payment that should be done. I believe the mortgage has also add fees that should not have been added.
Product: Debt collection

This company is stating I owe a debt which I called the hospital and I do not owe anything. I have requested validation and nothing has ever been received.
Product: Credit card or prepaid card

I HAVE TRIED TO TALK WITH THE COMPANY TWICE BECAUSE THIS ACCOUNT IS FRAUD. BUT THEY GAVE ME NO INFORMATION ABOUT THIS ACCOUNT BUT THEY CONTINUE TO REPORT IT ON MY CREDIT REPORT. I'M NOT SURE WHAT TYPE OF ACCOUNT THIS IS. THEY TOLD ME TO FILE A POLICE REPORT SO I DID ON XX/XX/2021. THIS ACCOUNT STILL REMAINS ON MY REPORT AND IS SHOWING SOMEONE HAS BEEN MAKING PAYMENTS BUT THIS IS NOT ME. I ALSO HAVE TWO OTHER ACCOUNTS THAT IS SHOWING ON MY CREDIT REPORTS THAT I KNOW NOTHING ABOUT. PLEASE HELP BECAUSE I AM NOT GETTING ANY WHERE.

THANK YOU SO MUCH..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Again, Im sending over an Identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 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.

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.XXXX 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 Date Opened : XX/XX/2019 Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

by the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX account XXXX XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602. A state 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. 15 U.S.C 1681c ( a ) ( 5 ) the Section States no consumer reporting agency may make any consumer report containing any of the following items of information or any other 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 data is inaccurate. I reported this about a month ago and still, they didn't remove it as I authorized please remove these accounts asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked so hard to get my identity theft information off of my account. I opened a new account with Capital one to bring my credit up and I am paid almost in full on the account right now. Initially, I opened the account less than 3 mos ago and they did not send my invoice so I did not know the first payment was due till i called and they told me I was ok. Had no other issues till I accidentally made a full payment on the account when I was trying to make a lower payment and the money was returned but I immediately made a payment. I looked at my credit report and it is reporting 30-59 days late on the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

need inquired removed from : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and ask the credit bureaus XXXX and make sure everything was complete and accurate according 15 usc 168i ( 5 ). I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is TransUnion and XXXX didn't removed anything. They just sent it to a computer and didn't do anything. The date open is not correct date last active is not correct. They also have no ( no data ) which is not correct. Which is a violation. This impacting my life. I have attached a copy of my credit report. It has been past sevens years and they now it. XXXX to XXXX is sevens years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX