23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is an extension/addendum to complaint XXXX I have filed here and was closed by CFPB before its completed resolution. In essence, it seems that due to Chase Mortgage operational inefficiency and internal miscommunication between departments, the process completion of my mortgage loan recast case has been stuck in limbo since mid XXXX. Following are the specific details : 1. Ms. XXXX XXXX, a Home Lending Executive Office specialist, Ph. XXXX, ext. XXXX, was communicating with me by phone concerning my original complaint XXXX. She was my single and only contact, handling my case with the Recast Department, and updating me on my case status. ( Customers have no direct access to the Recast personnel. ) 2. The intended resolution stated on a letter Chase sent me on XX/XX/XXXX was that Chase will honor the recast agreement I executed with Chase on XX/XX/XXXX, which will reduce my mortgage payments from {$220.00} to {$200.00} retroactively, and credit/refund me the accumulated difference in payments. 
3. On XX/XX/XXXX I XXXX  back to Chase this XX/XX/XXXX letter with its enclosed Recast Acceptance Form as instructed. 
4. I alerted Ms. XXXX on one of our initial telephone conversations in XX/XX/XXXX that I will be leaving the country and my mail will be held from XX/XX/XXXX until XX/XX/XXXX, therefore all documents Chase requires me to execute must be delivered to my home address by XX/XX/XXXX, or by email after my departure date. Ms. XXXX assured me that the procedure will be done prior to my deadline, and I am to receive the new agreement by mail within a week. The first documents from Chase were actually Fedexed to me nearly a month later. 
5. I contacted Ms. XXXX upon receiving the letter with the acceptance form on or about XX/XX/XXXX to remind her about my overseas trip and to raise my concern about a second set of documents I expect the Recast Department to send me to complete this procedure, ( which I have previously required to execute on XX/XX/XXXX ). Ms. XXXX assured me there is no other documents to be sent to me, and that any further communications from Chase will be sent to my email address. 
6. My XXXX and XXXX mortgage statements have already been closed with no sign for the application of the recast terms. 
7. Two weeks ago, on XX/XX/XXXX, I left Ms. XXXX a voice message to let her know that Chase has not executed my recast terms yet, that she misinformed me about the process completion with the return of my Recast Acceptance Form, and that I am certain there is a second set of documents sent to me by Chase after my departure, which holds the process stuck in limbo until my return, and that I didn't receive any emails from Chase Mortgage or Recast departments. 
8. As of this day I did not hear back from Ms XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After briefly speaking with   XXXX   XXXX   XXXX   on   XXXX   XXXX   XXXX     to inquiry about the services they offer. I was told that my personal information would be needed to obtain information about their services. I specifically asked how my personal information would be used including my social security number. I was told that collecting this information is standard and only used for their customer service database and that my social security number would not be used without my permission for any reason. I was very angry to see that I was not told the truth and that my credit was run by your agency without my written or verbal permission. I was immediately notified by my credit monitoring service,   XXXX   that my cre dit may be at  risk. I called  XXXX ,  XXXX  and   XXXX   to inform them that I had not given your agency or   XXXX   XXXX   XXXX   to use my credit without notification.     I was told by each agency to contact   XXXX   XXXX    because t his is the company that ran my credit without my permission or ever speaking with them. Each bureau stated to ask   XXXX   XXXX    to remove  the hard inquires that were placed on my credit reports without permission. Each credit bureau stated that your company can remove the inquiries from my credit reports in the same matter as they were placed. Im formally asked them in writing that   XXXX   XXXX    remove the se erroneous inquiries from my  XXXX ,  XXXX  and   XXXX   credit reports. I read their website in depth and I see that they value consumer information privacy because their website clearly states that that I must be on the telephone to verify personal information about myself to ensure that the company is speaking with the right person before they will run your credit. This protocol didnt happen in my case and Im very upset and I never gave authorization to   XXXX   XXXX   XXXX   or   XXXX   XXXX    to share  or run my information.     I sent a certified letter to    XXXX   XXXX   after spe aking with  XXXX  who works for   XXXX   XXXX    .   XXXX  stated that I would need to send a certified letter to their office asking that the hard inquiries be removed from all of my reports. I sent the letters and received the return receipt back confirming that   XXXX   XXXX    received m y letter. I have called  XXXX  numerous times and he has never called me back and I even sent a message via their website and no one has gotten back to me.     I 'm asking that your agency please help me to resolve this matter as I have tried to no avail to get a response or the hard inquiries removed.     Thank you in advance for your time and attention.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I am still seeing some inaccurate accounts from my credit report. I have stated multiple time that I don't have any ideas regarding those accounts so please check the documents I've said.
Product: Credit card

The terms were outrageous the amount of information was more than what is needed they XXXX  required access to my HIPA any and all devices SS, DL information and not just once for a year. Please tell me how to take action they are taking advantage of seniors and other vulnerable consumers
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX*Balance : {$0.00}
Product: Debt collection

Call from XXXX ( XXXX ) XXXX on XX/XX/22 at XXXX AM Transcript : Hi this is XXXX with ASG your account is currently active with our office and it appears there's been an address change essentially stopping the clock here so I just wanted to reach out as a courtesy to see if you would like to handle this before further action is required to please go to our website where you can do your payment options to handle this and you will receive your payment full letter as soon as your payment clears if you need assistance of any kind chat agents are available to help you our website address is asgrecoveries.com that is asg recoveries.com I a.m. legally required to inform you this communication is from a debt collector thank you I have no unpaid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX Breach, My name, social, drivers license, emails, phone and 1 bank account was breached, the XXXX XXXX XXXX also stated mail forwarding was in place to several abandoned buildings. 

I went to the XXXX XXXX and filed a report with a Detective. I will attach everything to this email. The XXXX XXXX XXXX has confirmed with me the breach and has deleted the fraudulent accounts. 

XXXX and XXXX XXXX are battling for me against Discover and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : 1 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

2 ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too Experian : 1 ) XXXX  XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

2 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

3 ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
Product: Mortgage

I was in the forbearance plan program and before finishing they sent me a contract with all the details and the day that the payment was supposed to be resumed and I signed it and sent it, then the bank called me telling me that I could not continue with what What the contract said why I did not pay in XXXX and the very clear contract says that to start the plan the first payment would be in XXXX and before they sent me the contract a bank employee told me that my payment started in XXXX because they needed a month to do the paperwork and the contract says the same thing, I am trying to make them comply with the contract as I fulfilled and it has not been resolved I made the payment in XXXX and I still continue trying to fix the problem I call every day and talk with them and they look for more things not to worry about, I'm tired of trying to end this. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this account 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, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/2022 Balance : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea why.my credit reports has a freeze on there
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : 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 XXXXXX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Checking or savings account

Someone stole my money was using my cash app card to withdraw they stole my purse debit cards my cell phone was in there as well I have gave chime everything even pictures and documents I was in the hospital at the time they still wont give me my money I have done 5 rebuttals
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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, credit repair services, or other personal consumer reports

I have disputed several time with transunion, XXXX, and XXXXn that the accounts XXXX XXXX  in the amount of XXXX and XXXX XXXX XXXX  XXXX in the amount of XXXX are not my accounts and to remove them. I experienced identity theft and there has been several bank accounts opened in my name and this credit card and loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit to prevent fraud. From XX/XX/XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of 1970, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by 150 points in a month. I have included a plot of the data. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XX/XX/XXXX-XX/XX/XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim ofidentity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation andapply their company policy to treat this as a dispute. In fact, when I called them, they stated that theirpolicy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block thereporting of any information in the file of a consumer that the consumer identifies as information thatresulted from alleged identity theft, not later than 4 business days after the date receipt by such agencyof- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) theidentification of such information by the consumer, and ( 4 ) a statement by the consumer that theinformation is not information relating to any transaction by the consumer. I submitted proof that mysocial security number, fingerprints, birthdate, addresses, and other identifying information wereaffected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all therequired documents per 15usc1681c and yet the CRA has failed to block this information and it has beenover 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX, TX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX : {$150.00} XXXX  XXXX Balance Owed : {$380.00} XXXX  XX/XX/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've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, phone and SSN being furnished on my consumer report. I demand that the inaccurate information is to be remove and update in a timely fashion.
Product: Debt collection

{$580.00} for XXXX  is not my debt, I have received no communication for any debt owed.
Product: Vehicle loan or lease

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a police report and FTC report for identity theft. The accounts listed below are still reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately :
Product: Credit reporting, credit repair services, 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/DOFED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

My issue is three : ( 1 ) I do not believe the charges are legitimate. I have receipts indicating payments for service. ( 2 ) The bill that is claimed by the service provider is for service dating back to XXXX 2014. I paid in full. Also, there were no subsequent notifications that they believed I had an outstanding balance. ( 3 ) The collections agency sent me a letter stating their position with a contact phone number. When I call the phone number, it indicates, " for the states of Texas press XXXX ''. When I press XXXX ', the automated voice service says for the state of Texas they are not accepting calls or service is not available. It then provides me a second number to call. When I call this number, the automated voice message indicates that service is not available at this time for the State of Texas and for me to call later.