23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year>, there was an unauthorized transaction made through my Chase XXXX account. An unidentifiable party accessed my phone, added themselves as a new contact on my XXXX, and sent themselves {$720.00}. I did not immediately report this the day of as I didnt know that this had even occurred. Two days later, when checking my statement, I saw the transaction and immediately reported it to Chase. 

The Chase Fraud team was initially receptive to my claim, issuing me a credit and closing my bank account for enhanced security. Following their directions, I physically went to my nearest Chase branch and opened a new bank account. 

Today, on XX/XX/XXXX, I received a letter stating that Chase found no wrongdoing with my account and is thus reversing my credit. When I called Chase XXXX again, they refused to re-open my claim and told me to stop calling them if I can not provide proof of the fraud. When I explained to them that there is no possible way to prove what has occurred ( a stranger accessing my phone while my phone was not in my vicinity ), they place me on hold and hang up. Ive called them three times today, and this has occurred each time.

Im reaching out because I have serious doubts that Chase conducted this investigation to protect me, the consumer. For example, one of the fraud agents today informed me that part of the reason my claim was denied because I have a history of using XXXX. I do indeed have a history of using XXXX  but all of my XXXX transactions are authorized and made to my contacts. One look at any of my statements will show the same, familiar names I send payments too. The difference is that these are payments authorized by me and thus are no problem. 

What I have never done, as Chase could have seen, is add a new contact ( that is not even in my phone ) and instantly send them {$720.00}. Ive never sent any money to someone named XXXX, and I have NEVER sent money to a newly added contact with that high of an amount. This should have been flagged as-is, but it was not. 

Therefore, I am reaching out in order to recover my {$720.00}. This is my hard earned money that I make from working a part-time job. Ive banked for over 5 years with Chase and had absolutely no issues, but I have fraud occur to me this one time and I am now being treated with suspicion and contempt from Chases team. Again, I affirm that I did NOT authorize this transaction. Chase is asking for proof in bad faith, as they are aware that I can not provide physical proof due to the nature of the fraud that occurred. I would greatly appreciate it if a solution could be found here. Thank you.
Product: Student loan

Navient has reported SEVEN of my student loans as previously delinquent. This was recently learned when speaking to my lender about trying to obtain a mortgage. The student loans in question were wrongfully taken out of deferment and Navient will not correct the issue and remove the delinquent remarks on my credit report. I have tried speaking with them as well as disputing the information via the credit reporting agencies. I have been enrolled at XXXX XXXX since XX/XX/XXXX and am not anticipated to graduate until late XX/XX/XXXX, mid XX/XX/XXXX. The only remedy Navient has done is place the delinquent accounts in a current status. 

2 of them opened XX/XX/XXXX, with 4 missed payments, XX/XX/XXXX with 4 missed payments, XX/XX/XXXX with 4 missed payment, and 3 in XX/XX/XXXX with 4 missed payments. 

As a result of their inconsistency and unwillingness to assist an XXXX XXXX veteran, my credit score has  suffered immensely and my ability to get a home loan is now dependent on whether or not they will remedy their previous error.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE BEEN TRYING TO GET THE FILE CORRECTED SINCE 2018 DUE TO TRYING TO PURCHASE A HOME AND GET MY CREDIT FILE ACCURATE FOR AN ACCURATE SCORE. I SUBMITTED MY IDENTIFICATION MULTIPLE TIMES VIA UNITED STATES POSTAL MAIL TO XXXX, TRANSUNION, AND XXXX. THEY HAVE ALL FAILED TO CORRECT THE FILE AND OUTRIGHT REFUSED AFTER RECEIVING MY XXXX JOB IDENTIFICATION, STATE IDENTIFICATION, AND SOCIAL SECURITY CARD AND LETTER ADDRESSING ALL MY PLACES OF RESIDENCE THE LAST 40 YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion wont remove the inquiries that I didnt make
Product: Debt collection

Regional Finance has been calling my place of employment. I have already asked them to not contact my place of employment as I am not supposed to receive personal calls at work. The woman I spoke to stated she would note my account however I keep receiving calls from XXXX at work, who is also the branch manager, I know this because he is the one that calls my cell and leaves voicemails. Although he does not directly speak to me at work as I am usually in meetings when he calls, I am always left with a message that a XXXX has called, left no message, said he would call back.
Product: Mortgage

I received a statement from " XXXX '' who bought the loan from " XXXX '', The company who originated the loan, stating that we had a shortage in our impound account in the amount of {$820.00}, and that the amount originally figured was incorrect and that our mortgage payments would now increase an additional {$100.00} a month to correct this mistake. I was very clear to the XXXX loan representative to insure that the impound account also included the " XXXX XXXX '' taxes and she assured me it was included. Well, it was n't as now we not only have to pay the shortage amount, but also have a higher monthly payment now. We 're both XXXX on a fixed income and when calling XXXX XXXX from XXXX, he wanted to pass the blame to escrow and the title company. XXXX originated the loan and are licensed to insure that the loan amount included all the required taxes and they failed to do this.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On different occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be totally researched. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with amending what is going on straightaway. I generously demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be enormously valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Debt collection

Credit acceptance XXXX XXXX there was no action taken by me the company attempted to collect a debit it is now on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion credit report showed a collection item from XXXX XXXX XXXX with a phone number of XXXX, the phone is a recording who never calls back. The company placing that collection, was XXXX in XXXX, OH. They said an online purchase of a phone on XX/XX/2021 was made with a XXXX credit card, that was not mine, through XXXX XXXX and shipped to an address that was not mine. When the account was not paid, the collection item appeared on my credit report as well as my husbands account. 
We both filed an identity fraud dispute on our accounts. 
In addition, we have filed an identity fraud complaint with the police department, and will be following up with the Federal Trade Commission.
Product: Mortgage

MORTGAGE COMPANY CHANGED ESCROW WITHOUT NOTICE, DID NOT APPLY REGULAR PAYMENT. CREDIT REPORT SHOWS LATE PAYMENT XXXX 2013. I TRIED TO ADDRESS THROUGH CREDIT AGENCIES, NATIONSTAR REFUSED TO CHANGE IT. THIS LATE PAYMENT IS HARMING MY CREDIT RATING. I WILL ATTACH PROOF OF REGULAR PAYMENTS.
Product: Student loan

I received a copy of my credit report and it showed that Navient had reported that I was delinquent 90 days on my student loan payment in XX/XX/2019. As I went through the payment records it showed me current in XXXX and XXXX. I contacted Navient and spoke with a representative in XXXX to inquire and advised me that it was incorrect and that I was not delinquent and was on a forbearance. She told me that I need to write a letter to the reporting team at Navient and also file a dispute with the credit bureau. I then contacted XXXX and filed a dispute only for them to come back and state that it has been updated and it still reflected late 90 days. I called Navient back again and spoke with another representative that then told me that they received my forbearance paperwork and that it was not entered until XXXX and that is why it reflected 90 days. I inquired why they held on to the paperwork and took that long to process it and then penalize me for their error. This is unfair practice as there are several times I have had to consistently follow-up with Navient to make sure that they receive and process paperwork as they will just allow it to sit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing this letter to request for a dispute to be opened for the following accounts to be removed as they dont belong to me. The following accounts don't belong to me which means they are all fraudulent and are errors on my credit report that needs to be removed. I tried disputing this with XXXX   and they declined to assist me with this issue. My understanding about XXXX  reporting information is that everything reporting should be factual and true, but the information in the letter is not factual and there is no have proof or any form of evidence. I am requesting the following information be removed from my credit report. I am a victim of Identity theft and the police report is attached with the letter listing all the inquires that don't belong to me.
Product: Credit reporting or other personal consumer reports

In the year XXXX, I had a problem keeping up payments of my 2nd Mortgage with XXXX XXXX XXXX . I applied for the Cares Act Mortgage assistance in XX/XX/XXXX and started getting help in XX/XX/XXXX working with Rhode Island XXXX and made XXXX XXXX XXXX aware via E-Mail with XXXX XXXX. Due to Rhode Island not maintaining a consistent agent on our case the Mortgage didn't get Paid in Full until XX/XX/XXXX. Payment made directly to XXXX XXXX XXXX. 
Since that time XXXX has put a " Charge Off '' in my credit report for the Months of XXXX XXXX XXXX. I was never made aware of the Charge off by XXXX. The paid in fill amount was over XXXX of a XXXX loan. 
To this day, I have not received a statement from XXXX we were " relieved of the debt '' and they have in my report of Experian and XXXX and XXXX {$12000.00} was charged off. 
This documentation of being is noted " Paid IN Full, however, after that sentence on the same line it says Charge OFF XXXX. That information is incorrect, it was paid in full. 
It also states in my report it was Charge OFF fro XXXX XXXX XXXX, incorrect, it was paid off in full XX/XX/XXXX. 
I never received any documentation from XXXX XXXX XXXX it was paid in full by a 3rd party, nor have I recieved any IRS documentation to file taxes regarding this loan. Nor, have I received Documentation stating it was PAID IN FULL and a relief of debt documentation. 
I have disputed the credit reports 3 times since XX/XX/XXXX and have been denied correction due to XXXX reporting the information is accurate. I also spoke with " XXXX '' from Collections at XXXX who states its accurate. 
I can tell you from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX was bought out by XXXX XXXX XXXX. I have never received official notice or Documentation the company was bought out during my interaction with Rhode Island XXXX whom I sought for Mortgage assistance following an active State of Emergency due to Covid which rendered me legally XXXX from XX/XX/XXXX to present. 
I remember reading credit information regarding Morgages would not be affected if it was due to a National Declared Emegency, as in this case it was and I worked diligently to repair the missed payments with total transparency to XXXX XXXX XXXX XXXX XXXX XXXX 
I look forward to any professional advisement to rectify this problem. 
I just want my credit report to reflect {$15000.00} was paid in full on this 2nd Mortgage for the appropriate dates. XX/XX/XXXX is inaccurate! 
Seems to me Charge off, as they say they reported this to no one else but the credit reporting agencies, should have had an entry all by itself then should have reported the balance of over {$15000.00} was paid in full on a seperate line.

I can provide any documentation need with the exception of a notice of Charge off, or a relief from debt, nor any documents that should have been reported to the IRS. 
Sincerely, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, R.I. XXXX XXXX
Product: Debt collection

XX/XX/21 - MRS BPO LLC collections agency sent me a letter stating that they are attempting to collect {$300.00} balance owed. 

XX/XX/21 - I sent a debt validation letter requesting that they validate the debt XX/XX/21 - The letter that was sent via certified mail was delivered. 

XX/XX/21 - It has been more than 60 days and the debt has not been validated. The collection agency is non-compliant with the FDCPA. This company may not attempt to damage my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, DE XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$570.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Credit card or prepaid card

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The AMEX XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


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

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from SANTANDER CONSUMER USA XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Mortgage

You previously referred me to FHFA and apparently they have no specific department/section/division who is responsible to properly investigate my complaint. 

This is an update of our original request for assistance from your office. 

In a recent letter received from Ms. XXXX XXXX, representing Fifth-Third Bank in which she acknowledged receipt of our original home loan agreement. As she noted the language contained in the contract is void of any requirements for us to submit any type of contractor 's license, etc ... in addition to any receipts in reference to the repairs of our home. However, according to her, as the Service Provider for XXXX XXXX they are obligated to follow XXXX XXXX guidelines, regardless of what the terms and conditions contained in the above agreement. 

XXXX XXXX, has refused to acknowledge and/or provide any additional direction or instruction to Fifth-Third Bank to include requested written communication regarding same. 

It appears that XXXX XXXX is in cahoots with Fifth-Third Bank by unlawfully failing to abide by the terms and original agreement of our home loan. XXXX XXXX as also with malice has purposely refused to resolve this conflict and continues to point to their vendor as the agency responsible and Fifth-Bank points to XXXX XXXX as states they are only following XXXX XXXX guidelines. 

XXXX XXXX, as well as Fifth-Third Bank, is unlawfully withholding the insurance proceeds received in this matter and is, therefore, causing an undue burden on and preventing the commencement of the needed repairs to our home. 

Today I just received a phone call from a XXXX XXXX representative " XXXX '', who essentially advised that she had reviewed my complaint and concluded that she found nothing wrong with the way my claim was being processed. In fact she explained that everything was being conducted in accordance with their policy and service guidelines. When I asked her if she had reviewed the terms and condition of the original home loan, XXXX stated she had not and in fact admitted she did not have a copy of same. Apparently XXXX conclusions and opinions are solely based on presupposed assumptions, misinformation, a total lack of comprehension in contract law as well as what her vendor has communicated to her. 

In other words XXXX XXXX and/or their vendor have not done anything wrong and are not going to change their minds, even though the original terms and conditions of the home loan are being violated and not adhere to. 

When I requested that this complaint instead be referred to their legal department, she told me she would not do that because their legal department does not provide legal opinions to consumers! In fact, the request was not for me per se, but for them in that I was hoping that someone with some experience and knowledge of contract law could investigate this matter and could advise XXXX XXXX and/or Fifth-Third Bank accordingly.
Product: Credit card or prepaid card

I ordered some items and decided to return them. I used the pre-paid label that they sent and returned the items on XX/XX/XXXX. In XXXX I received a statement charging me for the returned items. I called and informed the company of this. They stated the account would be fixed. Well XXXX months later the account is not fixed and it has been reported on my credit file. I have called the company every month and still no resolution. I recently called the company and they verbally verified that they received the item back on XX/XX/XXXX. However no refunds were issued. XXXX XXXX is the company
Product: Credit card

Recevied a response letter back from XXXX and XXXX credit department on XX/XX/XXXX. They did not address the iusse and they did not answer my question. Now it look like to me they are giving me the run around. On the XXXX first declined letters from XXXX XXXX and XXXX 's specifially states the following reasons were too many public records and they specifially pull my XXXX credit report. I am very aware what is in my credit report files. I ask a specify question ( what is consider too many items on ones public records credit report ) .I fine it odd that when I question XXXX and XXXX credit desesion I am getting the run around. The letter I received from XXXX XXXX and XXXX 's executive office found now states I was declined because of a bankruptcy file XX/XX/XXXX. After I question their first credit decision and asking a specify question which they never answer. On all XXXX declined letters they did not state anything about a bankruptcy on any of the letters. Now, I have a second question ( why XXXX and XXXX refusing to asnwer my first question ). I pointed out and I ask a question about their discriminate credit decision so they just send me letter avoiding the iusse by fining something else different. Yes, it make me feel I have been discriminate against due to where I reside like I stated in my first comlaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQIFAX, XXXX & XXXX The 3 well Known Credit reporting companies have no proof of my written consent to post my personal information on there sites. This is a violation to my constitutional rights, I have the United States laws listed below, with the links attached that protects my right to privacy. Along with the United States law that says the credit reporting companies need proof of my written consent, Which they don't have. I Also have the United States law that states, ( A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ). I do have the Account numbers as well, before the United States laws that protect my Constitutional rights. 

Account Number : XXXX Company : XXXX XXXX XXXX XXXX XXXX Company : XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX 15 u.s.c 1681 section 602 A. XXXXXXXX XXXX XXXXXXXX XXXX15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of...

it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX XXXX15 U.S. Code 1681c - Requirements relating to information contained in... 

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of...

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed that XXXX account is still being reported. After noticing the account I contacted the credit reporting agencies to get this issue resolved. XXXX is the only agency who has deleted this account due its inaccurate reporting. This will be my second attempt with Transunion and XXXX. 

Per the XXXX, once the account has reached a charge off status, and the lender has filed it on their taxes as XXXX debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumers report as debt. There is a XXXX form issued and this now income being filed on my taxes. Reporting inaccurate information to my credit report is in violation of 15 USC 1681E ( B ). I