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

On XX/XX/2020 I had opened my Chase Savings account with the premise that if I kept {$15000.00} in my account for 6 months, I would be awarded {$300.00} in total. This promotion ( {$200.00} for the Chase Savings account ) was also tied in with my Chase Checking promotion ( {$300.00}, that was awarded separately ) ; also to provide an extra {$100.00} in promotional funds for completing both the Savings and Checking account promotions. 

Besides an attempted mobile deposit of {$15000.00} on XX/XX/2020, from the point of the account opening to XX/XX/2020 I had not been able to provide any funding to my Chase Savings account, either at my local Chase branch or any other possible method. 

After much to no avail, on XX/XX/2020 a requested transfer of {$15000.00} from my XXXX XXXX account to my Chase Savings Account finally posted. 

On XX/XX/2020 I was charged {$5.00} for having a {$0.00} balance with this product. While I was able to get a credit of {$5.00} to resolve the fee, because of this, I was ineligible for the Chase Savings promotion that I was offered by Chase.

{$15000.00} was placed in my Chase Savings as soon as it could be. I took every effort available to me to provide this funding within 15 days as per the terms of the promotion. There was no way possible that I could have had funding in my Chase Savings account on the day of opening due to the COVID-19 pandemic. The fee was reversed by Chase on or around XX/XX/2020. They had indicated to me that because my balance fell below {$15000.00} I would not be eligible for the {$300.00} promotion. The {$5.00} fee was not my fault and completely within the hands of Chase Bank.
Product: Mortgage

I have a mortgage loan with Freedom Mortgage on my house in XXXX, Nebraska. My property was hit by a hurricane ( 95mph ) force winds that knocked a 60 ' high Oak Tree down. The tree was in my backyard and it fell onto the back of my house. It knocked out a Bay Window in my family room, broke several pieces of siding, knocked the gutter off, and caused significant roof damage. It cost me {$3500.00} to fix the damage and have the tree cut up and removed. I had to pay for most of the damage out of my pocket because I have a high deductible. 

I got a late notice from Freedom Mortgage so I called them. I was able to make my XX/XX/XXXX payment by taking out a short term personal loan but I am still due for XX/XX/XXXX. The gal that helped take my payment ( XXXX ) told me to call another XXXX number and ask for Natural Disaster assistance because my house is located in a FEMA Disaster Zone. 

I called the XXXX number that XXXX gave me and after holding for 20 minutes, someone answered. I told them about my situation and they told me that I was reported 30 days late to the Credit Bureau for my XXXX payment. I had just got thru explaining about the storm, being out of power and running water for a week, trying to board up my bay window that was blown out, etc. and she acted like she didn't care. 

She transferred me to another employee so I could request either a deferral or forbearance on my loan. The new employee said because my house is in a FEMA Disaster Zone I am entitled to go 90 days without a payment. I told her that was wonderful but I only need a month or 2. I asked her to reverse that late payment report to the Credit Bureau as part of my hardship application and she didn't think that was possible. 

Freedom Mortgage should be ashamed of themselves for treating a customer so poorly. I wonder how they would feel if they were in my shoes? I told the lady that helped me with my hardship application that when you are trying to survive during a disaster you tend to get tunnel vision. You are trying to get bottled water, food, heat, etc. Fortunately, I was able to get my Credit Union to let me skip my auto loan payment and credit card payment. They also gave me a personal loan at zero % to help me pay bills and help my family recover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account XXXX XXXX XXXX XXXX since XXXX. I have sent EQUIFAX an FTC REPORT BY FAX, MAIL as well as email to both equifax and XXXX XXXX XXXX XXXX. I have explained to Equifax numerous times that this is not my debt and its a result of identity theft. XXXX XXXX XXXX XXXX XXXX  has been removed from both XXXX and Equifax. Equifax removed it in XXXX and then placed it back on my consumer report. on XXXX XXXX I have a recording of an EQUIFAX CUSTOMER SERVICE REP telling me that she seen that Equifax has removed the item from my consumer report and then later had it placed back on my consumer report with the ftc, and police report they have on file. Equifax did a dispute and they said it came back verified I asked the rep who did they speak to? And why was I not notified that it was placed back on my consumer report. No one can give me any answers. I know for a fact that Equifax have 4 days to block and remove an account from a consumer report resulting from identity theft. 15 usc 1681c-2 The courts in Ohio stated that they did not provide information of court records and that the case was dismissed due to lack of evidence on the creditor end So I don't understand why it was even on the consumer report in the first place. I am aware that EQUIFAX has been selling my securities which is security fraud because they are acting as custodians and I did not give them that permission to act as such. SEE 18 USC 1348 securities and commodities fraud. I am pending litigation for this collection account which is frequently placed on my report and by law Equifax is to remove this item immediately and I am demanding removal immediately because it should have never been placed back onto my consumer report especially without my awareness of it. This is defaming my character and has been for 4 years now. I HAVE SENT ANOTHER FTC REPORT SO AGAIN THEY HAVE 4 DAYS TO REMOVE XXXX XXXX XXXX XXXX. AND JUST IN CASE EQUIFAX CANT LIFE HERE IS THE FIRST FTC REPORT # XXXX BECAUSE EQUIFAX CONTINUES TO LIE AND GIVE FALSE INFORMATION ABOUT THEM NEVER RECEIVING THE FTC REPORT. THANKYOU
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 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 XXXX XXXX XXXX XXXX XXXX and 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: Mortgage

I had a mortgage through Ocwen and instead of having them for lose on my home before I moved out of state, I started the short sale process back in XX/XX/2018. I listed my house with a real estate company and my agent started the process of marketing my house. The mortgage company then went to inspect my house and put a lock box on my house without telling me or my real estate agent the combination. I proceeded to call numerous times to get the combination until after the 4 or 5th time was transferred to an associate who finally gave me the combination. I then gave permission numerous times for my real estate agent to speak to the bank on my behalf and was given the run around for the appropriate paperwork that needed to be filled out. My real estate agent then presented an offer to the mortgage company which they explained that all of this paperwork had to be filled out, which I filled out and my real estate agent did also. Needless to say, the mortgage company made it very difficult to present and accept this offer for someone to buy my house that they buyers changed their mind. The offer was for {$25000.00} more than an offer I have now for my house. I again had to list my house and again my mortgage company is making it very difficult to complete a very simple transaction. My mortgage has now been bought out by yet another company. I have a cash offer for my house and I just want this to be completed as soon as possible.
Product: Money transfer, virtual currency, or money service

Zelle failed numerous of times with sending money to others.
Product: Debt collection

Miller, Stark & Klein associates have called me two times. Both times a voicemail was left using aggressive tones and told me that I had complaints in their office and that I would need to call back before it became a legal matter. I called back and informed the individual ( who did not identify herself ) that I have no bad debt and have amazing credit/score. I informed her she was a scam and to stop calling. She then proceeded to hang up. I called back and told her that I have no bad debt. She proceeded to call me a liar and say that liars always say they have no debt. She then told me to stop calling. I told her I would stop calling when the manner was resolved. She said she was hanging up and I said I will call back. She then informed me that she would press charges for harassment if I called. I kindly told her the same thing. She then hung up. I called back and she refused to let me talk to a supervisor. I called the other number she left on the voicemail ( the number calling and the voicemail number were not the same ) and nicely explained the reason for the call. She asked me for my number, in which I have it. She put me on hold and came back to inform me that my number had been deleted from the files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX company Citibank pulled my XXXX credit report, then claimed that they didn't. This in spite of a record on my XXXX report. They had the audacity to claim that all three bureaus work together and a pull to XXXX or XXXX is automatically reported to XXXX. That's a lie. They pulled the report for no use, as their Executive Response Team told me they have no use for the XXXX report. So they dinged my credit report just for their own XXXX XXXX XXXX XXXX and giggles. Piece of XXXX company with no respect for consumers. It's a fundamental violation of the law to pull a personal credit report if it's not in connection with a decision to grant credit or make an offer. Pulling it for no reason is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with transunion showing proof that I am making current payments on my account with XXXX XXXX and they refuse to update my credit report ... they claim that they investigated and that they found the information correct which it is not and by the way I paid XXXX dollars on this account my current balance should say XXXX but it says XXXX on transunion
Product: Checking or savings account

In 2023 I asked to speak to costumer service on cash app to find out how I can manage an issue with my account but there was no help or solutions provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Today, I received a response from Equifax stating that I should send a copy of my social security card so that they can update my information. I also attached a copy of an utility bill so that they can add the correct address to my credit report. I filed an identity theft report with FTC. I ask that Equifax remove anything on my credit report that isnt supposed to be on there. If the items cant be verified and send me proof of verification then I ask that they permanently remove these items from my credit report.
Product: Credit reporting or other personal consumer reports

Information is incorrect. Plus shows charge off. And just renewed date on charge offs into collection, but there still on file. Showing XXXX negative out of XXXX accounts. Through XXXX XXXX XXXX my information was exposed. Under 605.b this is unjust. They've purposely ruined my credit and caused collateral damage to my business and livelihood. 
Plus incorrect XXXX XXXX child support payments which have severely affected me. By reporting non payments although it was garnished from checks. Misinformation.
Product: Debt collection

I just received notification that this account was added to my credit report. I have not received any communication from this company. I should have received a dunning letter. According to my credit report, the account was opened in XX/XX/2019 and first reported XX/XX/2019.
Product: Prepaid card

I can not remember the date of the issue but the card is a gift card from prepaid gift balance. When I first received the gift card ( XXXX of 2023 ) I checked the balance and it showed {$100.00}. When I went to make a purchase, it was not working. I called the number on the card and was told it has a balance of XXXX. I found it odd since I had not used the card and was only in my possession for a day. The company didnt tell me when or where the purchase was made. They told me to send a fax, a copy of my ID, and my social security number. I of course did not do this. Its been months since the issue because it was already stated the balance was {$0.00}. However I was gifted the card with {$100.00} and would like to be able to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a notice from XXXX that there had been a change to my credit score. Upon reviewing the details, the alert noted an inquiry was completed on XXXX, XXXX and XXXX by Quicken Loans. This unauthorized inquiry decreased my credit score by a total of 9 points and moving me down from an excellent credit standing to good.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect item on my Expierion Credit report. I took over a car payment for my mother who passed. Seven months later I had a XXXX   XXXX XXXX. The hospital bills were enormous and I returned the car. The dealer took the car and issued me a 1099. All three credit services posted the transaction as a repossession, which I disputed. XXXX  and XXXX   immediately removed the transaction but Expieron  did not. Tuesday XX/XX/XXXX of this year, I disputed the line item again in Expierion 's website. The next day I received five unsolicited calls from lenders associated with XXXX XXXX from loan officers offering to help me with the credit reporting and requesting I use their services for a loan. I have never called XXXX XXXX and do not know how they received my information
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years, I have been trying to get items that do not belong to me removed off of my XXXX and Experian credit reports. With Experian, in order to dispute items on my report, I have to go through the process of contacting their customer service center in order to get rid of items that do not belong to me, but when the results come back, these items most times would never disappear, and it they do disappear, they would reappear within a month or so. With XXXX, I would have to dispute the items that do not belong to me through XXXX XXXX, but recently, when I choose to dispute these items, I am rerouted to XXXX 's website, where they ask for my personal information. Once I enter in the personal information, then I'm asked a series of questions that pertain to accounts that I may or may not have. Once those questions are answered, the window would state that XXXX  is unable to process my request at this time, and I'm unable to check previous dispute results because of the same reason. XXXX and Experian are making my life a living XXXX with keeping items on my credit reports that are not mine as well as OLD items ( 10 years old or older ) on my credit reports that are not mine. On the Experian report, there's an item that does not belong to me that appears TWICE on the report. I need for these items that do not belong to me to be removed once and for all.
Product: Mortgage

I was cheated by a lier mortgage account executive who increased my proginal offered interest rate from 3.74 % to 4.25 %, closing was on XX/XX/XXXX and I submited my complaint to Wells Fargo on XX/XX/XXXX and the answer was that they were sorry, but they could not change the rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX this account was on open inconsistencies on XX/XX/XXXX as on the payment date are incorrect also the amount are also incorrect.
Product: Checking or savings account

Money from My account was taken out by XXXX and I was fraudulent scammed and over XXXX was taken from XXXX and sofi bank denied my claim with proof ibwas in the hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2900.00}
Product: Payday loan, title loan, personal loan, or advance loan

Solo funds allows you to borrow from other people and pay them back on your payday. the current issue is they had a update and my account and i pretty sure many others have been messed up for over a month. so i took XXXX loan was able to withdraw once from the platform. I left some money behind because i was told they would fix the transfer issue and i could use my debit card to move the money. after about XXXX  days of waiting and i heard nothing i went ahead and sent it to my bank by XXXX well the transfer never happen. Now brings us XX/XX/year>. i paid that loan that i thought i got all of the money for and when i took the new i figured out that i did not get it and now there is XXXX dollars there XXXX being the loan and XXXX being money that is now mine. i go to with draw the money and i can not. i reach out to customer service 6 times in XXXX hours ask to have the loan canceled they say we will put a ticket in. still not canceled still can not get my money. i ask to speak to a supervisor we have to put a ticket in. ask for time frames there is no time frames. there is fees with these loans. I contacted customer services aXXXX XXXX XXXX  on XX/XX/year> getting the same run around.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company XXXX XXXX  - Inquiry Purpose : XXXX  XXXX Inquiry Date : XX/XX/year> - Company Name : XXXXXXXX XXXX XXXX XXXX - Inquiry XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX - Inquiry Purpose : XXXX  - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX - XXXX Purpose XXXX XXXX XXXX Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX - XXXX Purpose : XXXX  XXXX XXXX XXXX : XX/XX/year> - Company Name : XXXX XXXX XXXX - Inquiry Purpose : XXXX I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to these companies or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated XXXX period. 

Please provide me with the following information upon completion of your investigation : XXXX. Confirmation of the legitimacy of the hard inquiry. 
XXXX. The source of the inquiry. 
XXXX. Steps taken to rectify any errors or inaccuracies in my credit report. 
XXXX. Verification of the removal of the disputed hard inquiry from my credit profile. 
XXXX. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX
Product: Debt collection

I've tried disputing this debt for a few years through XXXX XXXX and nothing has worked. I was a victim of identity theft and I have no idea which creditors were used under my name. This is on my credit report which I've tried to get removed and nothing has worked. They stated XX/XX/2023, but this has been on my account for several years. I have no clue who this creditor is. Please help me remove this account off my credit.
Product: Payday loan, title loan, or personal loan

on XX/XX/22 I reached out to this company as my final attempt to pay a debt owed. I was given this loan on a basis where my income could not meet the payback terms. I feel this is creditor abuse and I should have been denied this loan. I reached them to settle for 10 % of what I owe, if not I would file bankrupcy and they would receive 0 . I kept getting passed around as the company did not know how to assist me. I have yet to hear back from them.