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

XX/XX/2023 I call and spoken with a Chase Claim Agent about some fraud charges that is coming from Amazon.com and XXXX. I mentioned that I wanted to report all of the charges coming from both of these merchets as I do not recognize them and a claim with this reference number was made ( XXXX ). On XX/XX/2023 I received a notice that my claim was DENIED. I call and speak with a claim agent supervisor on XX/XX/2023 at XXXX XXXX, my local time. I was informed that the reason for the denies is because I didn't include all of the transaction from XXXX  and that there was noting they can do. I XXXX XXXX did included all the transactions when I made the call on XX/XX/2023, if the claim agent who was taking down my fraud report forgot to include some of them, how was that my fault as the client who bank with them? CHASE BANK also CLOSED my claim case without even doing a fraud investigation on it and solo reason was I didn't include one or more transaction coming from XXXX. CHASE BANK outcome with this claim case is unfair as they're REFUSING to even do a investigation. Their own agent forget to include one or more transaction coming from XXXX and is flat out blaming me as the client for it and refusing to even do a investigation. CFPB please help me with this as to why chase bank is treating me unfairly. 





Reference # XXXX
Product: Debt collection

On XX/XX/XXXX I received a Credit Monitoring Alert that a Collection Agency called XXXX XXXX XXXX in violation of FDCPA I had not received a letter or attempt to contact me allowing me 30 Days to Dispute. On XX/XX/XXXX I received a letter in the mail offering to settle for a discount at {$6000.00}. This Title Loan through Loanmax in XXXX, Ohio was settled in full on XX/XX/XXXX with the return of the Vehicle and sold for settlement. I spoke to XXXX XXXX employee XXXX at XXXX XXXX XXXX and explained to him that this had been resolved over 2 years earlier and I had an outstanding Credit Report that has never had a derogatory remark. He informed me that he was putting in a immediate delete with all 3 Credit Bureaus. I followed up by sending in proof that Debt was paid in full and this was settled. The emails were sent the same day to the Compliance Officer. I have been checking my Credit Report and it still has not been removed. I filled disputes with all 3 agencies on XX/XX/XXXX. This company has been sued in multiple class action lawsuits and has more negative reviews with the XXXX. The agent was polite on the phone but the company did not follow through. Please get this off my Credit Reports!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Product: Credit reporting or other personal consumer reports

There are 2 hard inquiries on my Equifax credit report that I do not recognize or authorize! 
XXXX XXXX XXXX XXXX
Product: Mortgage

I have XXXX second lien loans for my solar project. One is a little over {$40000.00} with XXXX and the other is about {$20000.00} with Dividend ( Fifth Third Bank ). This complaint is for Dividend, which closed on XX/XX/year>. I will submit the same exact complaint for XXXX next. During the process, we spoke at length about how much I could afford for a payment. I wanted to make sure the monthly payment worked for my budget and allowed me to save money by going with solar for my home. Unfortunately, neither company explained that the payment I agreed to doesn't even pay the minimum monthly interest on the loan. Dividend calls the negative amortization payment an " Incentive Election Payment '' payment option, which is a highly deceptive name since there should be no incentive to increase the principal amount of your loan. They both game me negative amortization loans and I have not paid XXXX XXXX of principal on either loan. 

Honestly, I thought this was illegal so it never occurred to me to make sure I read the details for amortization on the loan, please the word " Incentive Payment '' makes it seem like they are doing me a favor. The truth is that this loan will never pay off until I massively increase my payment to cover the missing interest and an additional principal payment. I can't believe this is happening to me and I don't know what to do. Both companies said in an uncaring matter-of-fact way, " check the agreement ''. I agreed to the terms of the loan including the very high interest rate, but I didn't catch the negative amortization feature of this loan. 

I need this company to stop deceiving the public. They need to make certain that borrowers know making a minimum agreed upon payment means they will not even pay the monthly interest and never pay off the loan. Borrowers for this type of loan will wake up some day once they realize what happened to a massive increase in the principal amount of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent multiple letters off to dispute inaccurate accounts on my report. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
ACCOUNTS : XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX ( original creditor:XXXX XXXX ) XXXX According to the FRCA, The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Product: Student loan

My student loans payments with Navient were out of reach and a physical and emotional burden. Navient knowing my complaint and my continous struggle to pay, Navient offered and encouraged me to apply for forbearances instead of any other option. I recently did some research of my own and was angry to find there were better options available such as income-driven repayment and loan forgiveness plans., this is only after I did a forbearance for the third time. When I contacted Navient and explain my concern and my inability to pay the high monthly rates they suggested the better option to keep my loans in good standing in forbearance. she also reminded me I previously had income-driven repayment option in the past and its a one time option. How is that fair? I should be offered income-driven repayment option as long as my income is inadequate .I was never giving the option for loan forgiveness or information on how to qualify. I later find out the interest is still being added to my loan balance that now only push my loans extremely out of reach and unaffordable. My loans increased by a few thousand dollars. I ca n't believe striving to better yourself and seeking a education would be so expensive. I regret ever going to school it was the worst mistake of my life to have loans totaling XXXX and a job that pay XXXX a year. I will never be able to recover from this debt. 
Navient is a scam and because of this debt I will never experience financial freedom.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account # XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 



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

There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to XXXX, XXXX  and XXXX and they still said that I was verified, but it wrong because I the open dates also the card limit
Product: Payday loan, title loan, personal loan, or advance loan

Having us borrowers being trick into signing paperwork for options products. Telling us we couldnt get a loan without signing up for this. And employees were just adding this to there paperwork. Despite the refund policy.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

I reviewed my Equifax and Experian credit reports today, the XXXX of XXXX, 2025, and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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: Money transfer, virtual currency, or money service

Your case ID is : XXXX My name is XXXX XXXX and my account was limited with {$420.00} I was advised Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. I have not received any emails. I also called customer service for assistance. I tried withdrawing funds and it would not allow funds to be released.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Student loan

I co signed a loan for my daughter Discover sl has refused to go after her -- i feel they should try and find her -- she is not talking to us anymore. and will not work with me. They call me just before the payment is due or say your just a couple of days late and it has not affected your credit yet but if you do n't pay now -it will
Product: Credit card or prepaid card

I was booking XXXX Flights on XXXX XXXX and was about to proceed with the payment. There was Credit Card offer from American Express stating if you apply for the card and card got approve, you will receive XXXX XXXX statement credit and along with XXXX bonus miles if you spent XXXX XXXX within XXXX months. I instantly applied for the card by providing the usual information and it got approve as well. I have booked my flight tickets with the same card. Now in the credit card statement, I didnt receive XXXX XXXX credit and neither XXXX bonus miles though I already spent above XXXX XXXXXXXX within a month. While talking to American Express, now I am getting informed that I am not eligible for any of these Bonus offfer without any solid reason. They are saying you must have got a pop up while applying but I dont recall any such pop up. It just got approve ... I am literally XXXX with the company as the only reason I applied since I was getting this offer. No they are denying it to give. pls help.
Product: Debt collection

I owed {$1800.00} for a termination fee of my old lease. I was told by my landlord to not worry about other payments, but now Im hit with an extra {$1600.00} I do not owe and was verbally told I do not owe. I have emails asking to confirm if its okay from XX/XX/XXXX. I still have no answer. All I have is a debt collector calling me. I went ahead and paid the {$1800.00} last night and they said I can dispute the rest. As I was sent to their senior advisor I was told they will not accept my dispute and they told me why as I told them I can not afford just to pay a straight up {$1600.00} yet again since I just paid the {$1800.00} moments earlier. I was told to this is due to your negligence. You should ask you friends, family, or anyone else you can and see if you can borrow {$1600.00} and pay them back. Because the penalty if they want to come for that is the least of your worries. I then repeated most of that and the lady got mad and told me shes terminating and waving my option to dispute even though she wouldnt let me. Now Im stuck with {$1600.00} I dont owe. No way to hold off the payment and a rude altercation by a debt collector over money I again do not feel like I owe. 

I tried to reach out to them in email and phone call. My company wrote a letter on my behalf and couldnt get a response. And I was locked out of the building twice in the middle of work days to talk further about the {$1800.00} and when I can pay it. I was told to dispute it and I am not allowed too.
Product: Mortgage

My husband and I did a modification in 2020, and we were able to get our mortgage straight and we had to start making payments in XXXX 2020. everyone had been on time since in XXXX we received a letter saying that we were behind when we had made the payments. And as of today since XXXX we have trying to get our account straight I have been talking to everyone that I could and still right today nothing has changed. We are so tired of trying since XXXX to get everything updated, I have email also talking on the phone we need help because this is effecting our credit report showing that we are two months behind and that's isn't true.
Product: Vehicle loan or lease

In XXXX I worked out payment arrangements with GM Financial. In XXXX, I reported my vehicle stolen, after the report report was made I was notified of the location of the stolen vehicle. Later after speaking with GM Financial of why I wasnt able to make the XXXX payment in accordance with the payment I was notified that they closed the account as an abandoned vehicle. 

During this time period I was bullied over XXXX dollars in fees due to their refusal to release the vehicle and failure to make the proper notifications to the owner of the vehicle that it had been picked up by their company or turned over to their company.
Product: Debt collection

UCC Title 15 sub section 1692e. States a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, have all failed to validate the validity of the debt allegedly owed. They are also violating TITLE 12 U.S code 83, which states No national bank shall make any loan or discount on the security of the shares of its own capital stock. So to fix this inaccurate information on my consumer report i would like for all account to be removed and blocked until i receive proper VALIDATION OF DEBT mailed via certified mail.I would also like to be monetarily compensated for the inaccurate information being furnished on my consumer report due to the mistake i would be expecting this dispute to be resolved with monetary compensation if not i will be taking further actions thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX and XXXX. 
This has caused me tremendous anxiety, stress, and financial hardship.
Product: Debt collection

On XX/XX/XXXX, I logged on to my Navy Federal Credit Union ( NFCU ) app to check my account balance. Once in the app, I checked over the transactions and saw my husband 's paycheck for {$680.00} was deposited by his company as a credit on XX/XX/XXXX ; I also noticed a pending adjustment/debit for the same amount of his paycheck, {$680.00} that had already been taken out of our account. As soon as I saw this adjustment I contacted NFCU right away. 

I called in to the checking account inquiry line, who reviewed the account activity and said the adjustment/debit was for a credit card we had previously with their bank that needed to be paid. The representative then transferred me to the credit accounts and I spoke with a female representative there who stated they tried to contact my husband multiple times regarding payment, and because they were unable to speak to him regarding a payment, they debited our checking account for a payment. I then asked the representative if they were able to adjust the debit back in to our account, to which she told me no, they could only give us back {$100.00} of the debit due to non-payment, so they kept {$580.00}. I was very unhappy about this, but honestly, I dont know if there's anything I could have done to have them put the full amount of the debit back in to our account. I set up a weekly debit for the card account so they will receive a payment each week until its paid in full. 

My main grievance with NFCU is that they took my husband 's entire paycheck out of our checking account with NO NOTICE. Are they allowed to take the money out of our account like that?? I asked the representative, " how are we supposed to live until he gets paid again if you take out his entire paycheck? '' to which she had no response. I have been a NFCU member since XX/XX/XXXX, and have NEVER had any issues until now, but this issue is enough for me to consider closing my accounts with them. Can you please assist and advise me if NFCU 's actions were legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings in XX/XX/2021 I reached an agreement with XXXX XXXX XXXX on behalf of XXXX  XXXX XXXX for a {$27000.00} debt. We settled the debt for {$13000.00} which was paid in full on XX/XX/2021. At this time I was working on a refinance and was able to get the account updated through the XXXX XXXX only to have it reverse a month or so later. I have submitted disputes with and without supporting documentation and although XXXX  state they received the funds and it shows as a payment received in XX/XX/2021 the account balance was not updated to {$0.00} & cleared stating it was settled for less than the debt owed. This is the XXXX of XXXX in which I had to wait over 2 months to get cleared up. Attached is supporting documentation of the settlement agreement, proof of payment, cleared payment from my bank, and a letter from XXXX stating the account has been paid in full. In spite of providing these documents to the XXXX credit Bureaus they claim XXXX said the information is reported accurately and refuse to provide any proof as to how XXXX  verified the accuracy after sharing with XXXX  my proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 and XX/XX/2018 I send a dispute into all 3 credit bureaus asking how did they validate the collection items ( XXXX XXXX, XXXX, and XXXX XXXX ) on my report after following up with their results of the investigation of my dispute, as required by the FCRA 611. I still have not received this validation or verification from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$910.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX