23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX, XXXX of my Chase credit cards were used fraudulently to make purchases. I spent hours on the phone with the credit card company to sort out the matter. The different representatives I talked to gave me conflicting information as to how the credit card was stolen- one said someone called Chase pretending to be me, requested new credit cards to be mailed and then came to my house and stole it out of my mailbox. Another person said new cards were mailed to an alternative address. I have called Chase back a few times to find out details about the investigation but they refuse to tell me exactly what happened, which makes it difficult for me to protect myself from future theft. 
Chase cancelled the credit cards and mailed me new ones. Unfortunately, on one of the stolen credit card numbers, Chase made a huge mistake- on that card, there were XXXX charges that were fraudulent ( both on XXXX/XXXX/16, XXXX made at Target for {$32.00} and XXXX made at XXXX for {$11000.00} ) but instead of just marking those XXXX charges, Chase marked 4 months of purchases ( from XX/XX/XXXX to XX/XX/XXXX ) as fraudulent. Soon, I started getting contacted from different vendors I have made purchases from with that credit card stating Chase is disputing the charge and refusing to pay the money ( or want their money back ). I started getting emails from vendors asking for alternative payment methods from purchases made several months ago since Chase was disputing the purchases. This causes big problems and Amazon ( one of the Vendors I 've made purchases from with that card ) even froze and closed my account because of this. I called Chase many times to clarify the problem- that 's when I found out they had mistakenly marked 4 months of purchases as fraudulent ( when only XXXX purchases were fraudulent ). I spent countless hours on the phone with Chase, being transferred between different departments. Each time, I explained the situation, told Chase rep all the purchases on that credit card were made by me and not fraudulent ( except the XXXX that resulted in the closure of my account ) and each time, the representative from Chase told me they were going to correct the problem- that the vendors will be paid and this will go away. It 's been 2 months and the problem has not been resolved. I continue to get contacted by vendors stating Chase is disputing the purchases from XX/XX/XXXX to XX/XX/XXXX or have not paid them. There 's even a few refunds on items I have purchased ( and have already paid off on my monthly Chase statements ) where Chase will not refund me the money back because the purchases are being questioned by Chase as fraudulent. I have called Chase multiple times with no resolve to this issue. It is frustrating that nobody at Chase seems to acknowledge their mistake, the trouble it 's causing and attempt to correct it. I am left with vendors that want to be paid, refunded money Chase wo n't give me and questions about how my identity and credit cards were stolen in the first place.
Product: Student loan

Navient se nds me emails claiming they want to lower my interest rate and help me and every time I call to get relief they tell me " oh your loan is private, it does n't apply to you ''. Oh it does n't apply to me but you still send me the email, get my hopes up and revoke it. They wo n't let me refinance. They wo n't let me have my loan in my my name, they wo n't drop my cosigner off, my cosigner is my grandmother. She did her part, I got the loan. Years ago. She 's ready to be done with it. She 's called, I 've called. I make my payments on time. I do n't miss. So why ca n't I have my loan in my name now. This company 's customer Service is the worst. Worst. Caused me so much mental agony. When I was   XXXX  I did  n't realize what I was getting myself into, but after years of suffering with this company. I now know.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit card

I deposited a Chase Freedom credit card Balance Transfer check into my personal XXXX XXXX XXXX checking account per the instructions on the offer. I made sure I had sufficient available credit including fee 's. The check was for {$9300.00} and was returned on the 5th business day as insufficient funds. I called Chase and after getting transferred around and cutoff I finally spoke to a supervisor. She said that XXXX XXXX XXXX sent/processed the check as a CASHED check and not a deposited check. Therefore Chase treated as CASH ADVANCE and not A balance transfer and that my credit line for cash advance was insufficient. I deposited the check to my XXXX account using Mobile Check Deposit. I did not receive any cash at that time and never received cash. The offer clearly says I can make the check payable to myself and deposit in my checking account and it would be treated as a Balance Transfer. I called XXXX and they informed me that THEY do n't control how the check is handled when Chase processes it. And they immediately refunded the fee. When I called Chase back the supervisor said it is not Chases fault, that the offer is no longer available but they had one almost as good but it would take 5-7 business days for money to arrive in my account. So I had to find another source of cash to cover the negative balance in my account for 12 business days. I specifically told the supervisor what XXXX XXXX XXXX said and that I expected Chase to honor the original promotion and immediately cover the negative balance and call XXXX to have fee removed as I did nothing wrong and complied EXACTLY with the promotional terms of the balance transfer offer. She said she would not. I asked her to process a new transfer using the new less favorable terms and just waited the 5-7 business days. I informed her she has lost a customer for life after this transaction.
Product: Credit reporting or other personal consumer reports

My information with Equifax has been breached and they refuse to delete and block the impacted information. I've attached proof that my information was impacted. The impact of the Equifax data breach has effected my Equifax, XXXX, and XXXX credit reports. I also have included the impacted information. Please delete and block all of this information from my all of credit reports as I was a victim of this XXXX XXXX. 

Accounts : XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX Account # XXXX XXXX Account # : XXXX INQUIRIES 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

A letter was sent on XX/XX/2021 addressed to Transunion requesting a free credit report. However, Transunion failed to provide the report by mail. 

I have attached proof of letter sent to Transunion requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX requesting a free credit report. However, XXXX failed to provide the report by mail. 

I have attached proof of letter sent to XXXX requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX requesting a free credit report. However, XXXX failed to provide the report by mail. 

I have attached proof of letter sent to XXXX requesting the report. 
I have attached ID as proof of address and identification
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I submitted via fax a dispute for information on my credit report with the three bureaus. The companies ( equifax and XXXX  ) are refusing to initiate the disputes based on the information provided which is my current information. I have submitted multiple times, my identification, proof of CURRENT address and social security card. They send the same canned mail saying they can't do it. Their lack of urgency to fix the errors on the report have suffered me great loss. It has been 2 months since I have submitted these documents and I want this taken care of NOW. They are ignoring disputes and not even following protocol. XXXX  has frozen my account without my permission and I can't even access my report to see the inaccuracies anymore.
Product: Credit card or prepaid card

This account is fraudulent and according to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$XXXX} XXXX XXXX XXXX - {$XXXX} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being

. As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX and Experian have violated my FCRA consumer rights to ensure these incorrect negative reported items are removed from my consumer credit report. XXXX has incorrectly reported my payment history in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Both credit bureaus have different and incorrect information. I was never late with payments with XXXX XXXX. I made payment arrangements and XXXX agreed to not report my payments as delinquent.
Product: Credit reporting or other personal consumer reports

I have recently reviewed mg credit report and notice two accounts I did not create. The consumer reporting agencies need to report all information with complete accuracy. These account have never been opened I'll attach a copy of my report to the complaints of the following dates ( XX/XX/year> ) and ( XX/XX/year> ). I am not requesting you to investigate this account and update these to removed immediately. Thank you for your understanding.
Product: Checking or savings account

I was setting up my checking account with a program called XXXX   XXXX, created by XXXX which sues robocallers. But while connecting my account, I got the following error message : PNC Bank has made a change that prevents you from being able to link your accounts.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to companies making them aware of the incorrect information on my report, asked them to verify and update my report as soon as possible.
Product: Mortgage

The present bank, Regions Bank, who currently charge me the mortgage payments on the house. It is charging me an unreasonable amount that does not correspond me to pay. 
Regions is not respecting my rights as a consumer and it is acting in bad faith and taking an unfair attitude with me as a customer and consumer. 
The bank is taking advantage of his power charging amounts that it shouldnt do. Since XX/XX/year> I have been requesting ( by phone calls and written messages through my account ) to remove me and being effective the cancellation of The Private Mortgage Insurance ( PMI ) from my house since I meet all the criteria ( and I can prove it by sending all the documents that support my request ) but they denied stating different excuses that make no sense and logic. 
They are not respecting and complying a law that is The Homeowners Protection. This bank is causing me frustration and I ask you for your help to stop and intercede with this banks action who is acting with a deceptive practices and behaving abusively towards the consumers rights. 
Extra Info : On XX/XX/year> they were requesting to pay them {$200.00} to make the appraisal which I made effective.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry violates several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : Restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : Specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : Mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared. 18 U.S. Code 1028A Aggravated Identity Th
eft : Unauthorized use of personal identifying information may constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes.

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report.

Ensure that your procedures for verifying inquiries comply with the above federal statutes.

Send me an updated copy of my credit report reflecting this correction.

I have attached copies of my identification and proof of my current address for verification purposes.

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo identification document Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

i have recently sent multiple letters on these dates XX/XX/XXXX and XX/XX/XXXX i also called and spoke to each beureaus representives and they all advised me to submit a complaint through the cfpb to have these un-authourized and unverifiable inquirys removed this is a violation of the fdcra since they have 30 days to respond and start a full investigation these inquirys are listed on my credit report by all three of these company 's XXXX equifax and XXXX  ( equifax ) 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( XXXX ) 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( XXXX ) 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In relation to my previous claim - XXXX. 

I have noticed a charge on my XXXX for Experian again! XX/XX/2021 PLEASE STOP CHARGING ME. I don't know what my options to deal with this, it's like this big company just takes my money and I can't do anything about it.
Product: Credit card or prepaid card

I submitted a claim three months ago, quoted as below. 
" I referred several friends the XXXX-Amex cobrand credit card in XX/XX/XXXX, and as the terms described, I was supposed to obtain XXXX bonus points, but only XXXX XXXX  points arrived. Following their terms, I waited for 12 weeks, and contacted Amex at XX/XX/XXXX, and XX/XX/XXXX, and gave them the names to whom I referred the credit card. They said they opened a case but never gave me any resolution. I thought it was abnormally long waiting time. '' Amex replied to me via CFPB saying they will handle this, but the truth is, after three month and my multiple inquiries, Amex shut down my inquiry surreptitiously. They told be an investigation should take 8-12 weeks, which is already abnormally long, but even after waiting for such a long time, their response is always, " I'm sorry, but I can not do anything ''. I think Amex is deceiving their customers and acting in a bad faith where they do not honor the promises they made to their customers. I am just a powerless customer facing such a giant financial institution.
Product: Mortgage

XXXXXXXX XXXX XXXX has serviced my loan, they are suspicious because they stated that my loan was transferred from Fairway Mortgage company to them, yet the billing address, website address, payment address, matches everything with Fairway Independent Mortgage. They have not handled payments correctly, and they have not paid my property taxes on time. Per their automated system, as well as their agreement. They are supposed to pay my taxes on XX/XX/2018. This is when the taxes are due. I have been advised that they will be paid on XX/XX/XXXX. This is not when the taxes are due. I have received two different notices, and when I called in to speak with someone about it. I got a gentleman on the phone, named XXXX XX/XX/2018 who said that I did not understand the process and they will not be paid until XX/XX/XXXX regardless of what I said, or my tax bill reflected.
Product: Credit reporting or other personal consumer reports

False information that belongs to someone else, including name, addresses and affiliated reports on my credit report, leading to a lower credit score and preventing me from adding new credit lines. Issue has been ongoing for XXXX years, I have attempted to contact the credit bureaus multiple times to remove the information and dispute it but it continues to show back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian to get erroneous negative information removed from my credit report for a company, XXXX XXXX XXXX, for which I have no knowledge. Experian says they have received certification as to accuracy but this is impossible as I have no knowledge of the account for which the company is trying to collect. Experian does not provide any details or contact information to get this matter cleared up.