23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My friend sent me some money two days ago via Chase XXXX. But they have n't shown up in my account after two days. So I called chase with number XXXX. One of Chase CS told me money was returned to the sender. So I informed sender, he called Chase then, and the answer he got from Chase is money has not been returned to his account. So I called Chase with same number again, Chase CS put me on the line for more half an hour while checking with other team behind, but end up telling me to call another team tomorrow morning XXXX Eastern time with number XXXX to resolve the issue. They do think there is some problem with the money but still have no idea what is going on. OK, I understand investigation takes time. But I just can not believe money would disappear in the first place.
Product: Debt collection

someone rent an appartment under my name without my knowledge I didnt signed any lease with XXXX XXXX XXXX XXXX I send a certified letter request info from the collection no answer.
Product: Mortgage

We started the escrow process on XXXX XXXX XXXXXXXXThe seller then contacted Freedom Mortgage about the assumption process who an agent then told him that an assumption packet would be mailed to us within XXXX weeks. This packet was never sent to us. The seller than called Freedom Mortgage after XXXX weeks and us not receiving a packet. They stated that we have to complete an application for the packet before it would be sent. The soonest appointment they had was XX/XX/XXXX. At this appointment I spoke to XXXX whose number is XXXX and she said wed be receiving a packet that will be overnight but will be delivered in a few days? We actually received the packet on XX/XX/XXXX and sent it out the same day. She also stated processing would take XXXX business days once the packet is received. I then called Freedom Mortgage on XX/XX/XXXX to get into contact with my processor XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I spoke to XXXX in the XXXX department in which he said he would have her call back that same day. I received no phone call or follow-up. The following Monday I called Freedom Mortgage ( XXXX ) back and was able to get into contact with XXXX. She stated that this was her first time looking at the packet and that it looked as if everything was there. She also stated the under-writing process will take XXXX weeks to process the packet. She also stated that she would have the packet processed that Tuesday. I submitted XXXX XXXX XXXX on XX/XX/XXXX to Freedom Mortgage as well as contacting the XXXX XXXX XXXX XXXX  we were pulled out of underwriting with documents requested. We submitted the documents the same day. XXXX XXXX I called XXXX whose number is XXXX, and she stated she need an updated title before we could go into a second under writing which is not true per XXXX guidelines ( XXXX Pamphlet XXXX ). Freedom Mortgage is yet again in Non-compliance with circular XXXX
Product: Student loan

In XXXX I inquired at the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I was lead to believe that I would be making potentially 6 figures in 2 years or less if I went to their school. I signed up for both in person and online classes. The school not only maxed out my borrowing for loans but forced me into private loans to buy equipment and supplies that were not included in the tuition. They are a for profit school. I was a single unemployed new mom and they preyed on that. Although I struggled I was on the deans list and keeping my grades up. I received a phone call from the school after {XXXX} in private loans were forced on me to take out to pay additional expenses and the school maxing out student loans I was told, the program was only eligible to receive loans for 2.5 years and I will need to pay cash for my upcoming semester in the amount of {XXXX} +. I have been put into bankruptcy and left potentially homeless with no way of ever being able to dig myself out of the financial burden the XXXX XXXX XXXX XXXX in XXXX Indiana imposed on my life and future. They promised job placement and they lied about graduation and success rates, they misrepresented fees and costs, filled out loan paperwork on my behalf. I attempted several times to get some kind of forgiveness for all of loans and continuously denied by the loan servicer, which was XXXX XXXX and navient. I have been gainfully employed with a government position for 8 years, still because of student loans not able to afford daily costs of living with loan services wanting unaffordable payments a month that excess far beyond what my salary allows me to afford. Student loans are not my only debt or bill. I am a single mother of XXXX XXXX XXXX XXXX and live with my parents. If the XXXX XXXX XXXX XXXX  had not misled and blatantly lied, I would not be in this situation which has inevitably ruined my life and future and potential of giving my daughter a future and stability. After being employed in public service for 8 years my payments for pslf have been recalculated with a pay off year of XXXX. How is that possible when Ive made payments since XXXX and pslf is forgiveness in 10 years and Ive already been employed for 8? 

The private loans still being serviced by navient are apparently unforgivable under any circumstances or misleading by the so called college that demanded {XXXX} cash after lying to me for 2.5 years and. I can not make or afford payments of $ XXXX a month and feed myself and my child, put gas in my car to get to work or pay other bills.
Product: Student loan

XX/XX/XXXX, my ex boyfriend, took a school loan for truck career driving and he needed a co-signer. I refused and he asked me to speak with the career trainer at the school. I spoke with him and again told him no. The following week, my ex, told me that he was approved for the loan and going to school. I asked him how did he manage to do this without a co-signer and he said that the school didnt need me to sign anything that they would use my name as a reference only. I did not know that my ex, the father of my XXXX children, had literally lied and forged my name. He knew my name, dob, address, place of employment and social security number. 
Well, the first year of this loan ( he used my address for his mailing correspondence ), he stated he only had to make XXXX payments per month. He would ask me to make the payment by mail for him and he paid me back. Well, the second year came around and now he was receiving mail constantly from Sallie Mae and then I started to receive phone calls at my residence and they were asking for me, I couldnt believe it. I picked up the phone to find out that I was the co-signer. I tried to explain and they wouldnt hear it. I found out he was seriously past due and that they were gon na take me to court for garnishment because of course they cant find him and no place of employment. Thats because he is XXXX and even the IRS is looking for him for fraudelant tax returns for XXXX XXXX. Georgia dept of revenue is looking for him as well. I have been making the payments of XXXX a month for last 5 years and still owe XXXX dollars. I have had my place of employment for 15 years and my home for 12 years and they come after me because he is gone. He has fled to XXXX XXXX and refuses to help me with this nightmare. It isnt on his credit report as bad debt it is on mine and will remain till XXXX. Are u serious??? Please help me with this. I have tried to talk to them about this being a fraud and they just blew me off. Because of him being late and not paying, the amount due today, which is 8 years later, is the amount of original loan. I will not be done till XXXX and I feel that Sallie Mae or XXXX, isnt gon na help me at all. I have asked them for loan documents and they state I can get online, but when I double click on the loan documents there isnt anything there. I have never seen the loan documents only the invoices. I was told I am screwed because of cosigning, but i didnt cosign this loan. Also, my ex has told me that the school is no longer open, went under. I dont know the name of the school.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX keep suspending my account requiring identity over and over. I have accumulated funds they won't let me access and keep requesting identity verification. As of XX/XX/XXXX I've done XXXX police reports on them. My email with their information is blocked. After I reported identity theft and stolen card they closed my account stating I requested it. I even have a case XXXX helping and they still refuse to even send my money back to XXXX like they got it through direct deposit. I'm accumulating even more evidence of emotional distress. My situation or continuing situations is because I can't access my funds. XXXX XXXX XXXX absolutely refused to send back to social security because they're not FDIC insured and have also my accumulated social security income both organizations since XX/XX/XXXX have refused to give me my money
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items 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 XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I moved from XXXX over 2 years ago and was never notified I had a bill that was pass due. From my knowledge I paid the last bill before I relocated to XXXX.
Product: Credit card

- On XX/XX/year>, I made a transaction on XXXX with amount of {$89.00} for XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX for Saturday XXXX XXXX - XX/XX/year>, booking number XXXX using card Capital One ending XXXX. When I arrived, hotel said they can not find reservation under booking number neither my name. Therefore, I paid out of my pocket for new reservation. 
- On XX/XX/year>, XX/XX/year>, XX/XX/year> I contacted XXXX regarding for the refund on their reservation, but there was no result. 
- On XX/XX/year>, I disputed this transaction with Capital One. 
- On XX/XX/year>, Capital One closed case due to the merchant provided the support document. 
- On XX/XX/year>, I submitted to Capital One the invoice showed I paid new reservation directly to hotel. Capital One reopened case. 
- On XX/XX/year>, Capital One closed case as merchant favor.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including experian, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that experian, equifax, and transuion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find all proof attached below.
Product: Mortgage

On XX/XX/XXXX we contacted AmeriSave Mortgage regarding a new loan application. KNOWING that we had to be 2 years discharged from a Chapter XXXX bankruptcy before we could apply for a new mortgage we decided to call and get pre-approved. When speaking on the phone with the XXXX from Amerisave for 18 minutes, we clarified NUMEROUS times with them that they were able to do a loan for us with a discharge of 2 years from ChptrXXXX and she reiterated 4x throughout the conversation and us asking repeatedly to verify they were able to YES. After each yes she gave, we then would provide more info and then repeat the situation for clarification and continue to get the same answer of YES each time. We then agreed at that point because we were told multiple times that yes they can provide a loan for us with a 2 year discharge from Chptr XXXX to have our credit pulled. Mind you we have been working very hard on our credit and have been very cautious with applying as we know this will lower your score some and an inquiry stays for 2 years. She then pulls our credit, says everything looks great, I am going to work on the preapproval for the property and I will call you back. However, when she calls back she then says, I am sorry we can't do anything for you as your discharge needs to be 4 years out. I said, we CLARIFIED this many times with you prior to allowing you to access our credit and you told us the same thing every time, yes 2 years discharge from Chptr XXXX She says well, I am sorry its 4 years, I thought you were talking about a Chptr XXXX. 

We would have NEVER allowed access to our credit if this was the case. We KNEW ourselves exactly what the requirements were for and questioned her multiple x. This seems to be a fraudulent way to gain access to a person ( s ) credit when they blatantly lie to you and then pull it because you are misled by the XXXX. We are now stuck with this lender inquiry for 2 years because of the companies deception. How do we remove these?
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am filing this complaint against Factor Trust. Factor Trust is in violation in regards to the information that is being furnished to my consumer report. I would like to state that Factor Trust is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave Factor Trust any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to any of the listed inquiries and I DEMAND they be removed from my consumer report immediately. 1. XXXX XXXX XXXX, XX/XX/XXXX 2. XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX. IF THEY ARE NOT REMOVED, I WILL HOLD FACTOR TRUST CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ) SINCE FRAUD IS BEING COMMITTED USING MY IDENTIFYING INFORMATION. These negative and fraudulent items on my consumer report is preventing me from having an equitable consumer report according to 15 USC 1681b. If FACTOR TRUST can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand they be deleted IN 4 DAYS. Enclosed is the FTC Identity Theft Report which states the inquiries that are being fraudulently furnished.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to complain about incorrect credit information which is appearing on my experian credit report for a XXXX credit account. XXXX  on XX/XX/2020 reported my account as 30 days late to experian. This update flagged my account negatively and brought my score down by 21 points. I worked with XXXX to resolve the issue and have them correct it at their end ( I have a letter from XXXX which confirms the correction ) .However the department within XXXX which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to experian. I also worked with experian to rectify this error by providing them supporting documentation from XXXX but as per experian they have not received any updated information from XXXX  to remove deliquency. I have been thrown in circles by both of these companies- experian and XXXX  credit reporting department. XXXX, on each call has confirmed that from their end the account is current and has never been late however Experian is still reporting the account as 30 days past due in XX/XX/2020. This is a pure example of missing links in the process which XXXX  uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify information with banks. I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me to move forward in my home buying process. I would like to request experian to remove 30 day delinquency attached to my XXXX  credit account and also appropriately update my score back. The day delinquency was posted, my score dropped by 21 points and I am hoping that it will be reverted. Looking forward to a resolve, I will be happy to provide any supporting documentation needed. 
Thanks
Product: Credit reporting or other personal consumer reports

Some one use my information to get credit for a new car for {$36000.00} us dollar out of my resident in Puerto Rico that i don't authorize. This person do not pay that bill and my credit report drop from XXXX to XXXX. The company is XXXX.
Product: Mortgage

SHELLPOINT I informed my mortgage company of my current situation and requested a XXXX a mortgage forbearance of XXXX months or more. I'm looking to apply for a mortgage assistance program, but I don't know which organizations I can get help from. Several organizations I've already visited only accept my information, so I don't know what kind of help they are preparing. Please help ... .If I can receive mortgage assistance, you will be able to overcome the financial difficulties caused by XXXX, but if not, you will live in pain every day with the risk of losing your home.