23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I are in the process of getting a home equity loan from XXXX XXXX Mortgage and they requested that we get an ARM statement from CitiFinancial loan # XXXX explain what our interest would be after XXXX/XXXX/2020 because it was not stated on our statement. They also wanted to know why we had past due payment on our account. So, when I contacted CitiFinancial to request the information they told me that the past due payment we due to late payment ; which were suppose to have been forgiven. They said that they need 7 days to check into it and it 's been 14 working day as of today. As for the ARM statement they said that they received my account from XXXX and they did not know, but could give me an rate of 5 %. That is what it is currently. I asked if they could email or mail me that information in writing and they told me they do not submit it in writing. I have been told that a XXXX XXXX and XXXX XXXX are the working on case, but when reaching out to them I get no response
Product: Debt collection

synergetic communication, inc has a account thats not mine/inaccurat that i do not owe..
Product: Checking or savings account

Chase called me while I was driving my vehicle to my job and asked me if I was trying to purchase something from XXXX in New York for {$500.00}. I told them 'no '. Then Chase asked me if I knew someone named XXXX XXXX. I told them 'no '. Chase told me that they were setting up a restriction on my account and that they would be sending a text. All of this was done while I was on the telephone. Chase said they would send a request to see if the restriction was active and said it was a 'bogus ' request and that I needed to respond 'yes '. After that is when the money was taken from my account in the amount of {$1000.00}. I called Chase fraud and told them what just happened and they said it wasn't them. This happened on a Friday afternoon, XX/XX/2021. 

See attached texts and email XXXX text - from ( XXXX ) XXXX XXXX text - You added XXXX XXXX XXXX text - Chase Fraud XXXX text - Chase Fraud XXXX email - Chase canceled the payment for XXXX XXXX Chase sent emails XXXX XXXX which is my email also. One email stated that account alerts were activated on my Chase mobile app for XXXX. I do not have an XXXX and never have. This was done minutes after the XXXX scam. Another email was sent after the previous one stating, 'We 've canceled your payment to XXXX XXXX XXXX. 

I went into the Chase bank on XX/XX/2021 located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and spoke with two associates about this incident. They informed me to contact the Chase Fraud department. I asked them to cancel the transaction and I was informed that they could not. 

Chase provided a letter stating that 'we discussed and agreed that no action would be taken on this claim '. I did not agree with this resolution. This is the letter that is being sent to several customers disputing XXXX scams.
Product: Credit reporting

I have filed a validation dispute with Transunion, XXXX and XXXX regarding Bankruptcies that are listed on my credit report. After filing a validation dispute requesting proof that this debt belonged to me, I received a letter in the mail stating that this debt was confirmed and is said to be my debt. I then contacted the Bankruptcy courts who then advised that they do NOT confirm any debts with the credit bureaus. I would like to know exactly who or how they verify debts for any individual, without proper documentations. I also requested a second validation and was told that I would need to provide additional proof to validate any information on my credit report. I would like this information removed from my credit report because the Bankruptcies were never verified and the credit bureaus are lying to the consumers.
Product: Checking or savings account

My husband and I opened an account with Chase early 2015. We were told that there would be no service charge and up until this year they honored that agreement. The reason they began to charge my checking account was because we had a brokerage account opened with them but it was many months later so this checking account had nothing to do with the brokerage account. After I moved our brokerage account to a different broker is when they started to charge me. I contacted Chase today and spoke to someone named XXXX with Chase PremiXXXX Banking and she told me that this in fact was the reason and I explained to her that we had already an established savings and checking many months before the brokerage account so it was not fair to now tell me this after the fact. They have been charging us {$35.00} per month monthly service charge even though I have never maintained less than {$10000.00} on savings/checking. I believe this is unfair and they are gouging their customers. I would like those charges removed and be credited back to my account which I believe is XXXX months worth. By the way, the Chase we opened our accounts in was XXXX XXXX California.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with TransUnion regarding an erroneous bankruptcy chapter XXXX that is listed on my credit report, the most recent one was XX/XX/XXXX. I do not believe that TransUnion is taking the necessary steps to actually verify the public record in question. I have provided them with a substantial amount of factual documentation that proves this alleged bankruptcy is inaccurate and it needs to be deleted from my credit report immediately however they continue to respond verified. Transunion sent me another credit report on XX/XX/XXXX stating public record was verified. Due to TransUnion inaccurate reporting to my consumer file, it has caused me a great deal of emotional stress and is hindering me from purchasing a home for my family. I received a letter directly from XXXX XXXX dated XX/XX/XXXX which states XXXX XXXX is not reporting a bankruptcy record. I received a letter directly from the courthouse dated XX/XX/XXXX which states they do not provide information to credit reporting agencies. If XXXX XXXX does not have this bankruptcy on file and the Courthouse does not verify information with credit reporting agencies, then who are you verifying this information with?? Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. XXXX and XXXX are not reporting the erroneous public record. Each bureau is responsible for providing accurate information per the FCRA. How can this bankruptcy be accurate or verified if no other credit reporting agency is reporting it except TransUnion??? I have attached the dispute letter I mailed to Transunion on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX letter, Courthouse letter, Credit report, notarized affidavit, my drivers license and utilities bill for your review. This is an urgent matter please delete this inaccurate bankruptcy. Either reveal who you are verifying this information with or delete it from my credit report.
Product: Credit reporting or other personal consumer reports

I want all these hard inquiries removed from my credit report because I didnt authorize these companies to run my credit report which is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I was XXXX  and went to the Er at XXXX XXXX Hospital in XXXX XXXX Ms . I explained to the er nurse what happened and she documented everything. I got a call from the hospital about a month later in regards to the bill and I explained to the lady that I am fully covered by XXXX and XXXX as I am XXXX. However Im not sure if they would cover it as it was the result of an XXXX. She said that she would look into it and get back to me. I did not hear from her and now I have a southern financial systems reporting a failure to pay on my credit report. I did not enter into any sort of contract with southern financial systems and did not give XXXX XXXX hospital permissions to release any of my information to said company. I have provided information necessary to get this debt paid. Why is it on my account and why is a company that I have no dealings with reporting it? I have never received a paper bill only the phone call from the billing agent asking when I would make a payment. I told her at that point of my full coverage insurance and notified her that I had never gotten a bill. Also the XXXX advocate group agreed to pay any over allowed balances from the hospital bill from the XXXX. I did not get any other correspondences besides this popping up on my credit report.
Product: Debt collection

Three medical collections for a XXXX each have been added to my credit report. I filed a dispute with Equifax and they will not remove the information. I contacted Equifax by phone and was connected to a call center in a foreign country, I asked to be connected to a U.S. center and they refused. This medical bill belongs to my daughter who is not a minor, but under the age of XXXX and on the same health insurance. I still receive bills under my name for services she received. When I called Equifax and asked for contact information for the collection company XXXX XXXX I was told they have no phone number or information. I disputed this collection with XXXX and XXXX and was removed after their investigation. I also returned the collection letters to XXXX XXXX explaining that these bills were not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to these companies and asked Equifax to send me proof I approved these inquiries and no one provided proof. XXXX said the inquiries most stayed even when I did not approve them. 

I want the following inquiries deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeat of two previous complaints submitted on XX/XX/XXXX ( XXXX ; CLOSED ) and XX/XX/XXXX ( XXXX ; OPEN, but CLOSED per Equifax letter ). 

1 ) Equifax INCORRECTLY removed a credit card acct for which I am an authorized user. See attached for the XXXX account that has appeared on my credit report since XXXX - BUT it no longer appears because Equifax removed it without my authorization. This adversely impacts my ability to obtain credit. 

2 ) My Equifax credit report has been frozen and set with a fraud alert. However, there is a soft inquiry made in XX/XX/XXXX that DOES NOT belong to me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my reports. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$29000.00} AUSTINCAPBK XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XXXX XX/XX/XXXX =========EQUIFAX : XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX =========XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$560.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the XXXX  data breach. I now have 12 recent hard credit inquiries on my report. I have written, called and filed complaints. Today, I called and was able to get my credit report locked. Now I need these inquiries removed.
Product: Credit reporting or other personal consumer reports

After a router charger blew up and fried my XXXX, ( last XXXX ) I lost all my passwords and had to set up a new account with Western Union. I use WU to send money to my caregiver in XXXX because the XXXX XXXX XXXX  doesn't accept XXXX debit cards and the local money exchange, XXXX- where Western Union is, doesn't accept XXXX at all. I have used WU successfully for four or five years until I had to change my email / registration and immediately after changing my WU account access, my transactions were blocked and WU said XXXX was responsible for that intervention. 

I don't understand because XXXX and my credit union have a security contract that detects fraud very efficiently. Why is XXXX interfering with my banking? 

I was finally able to speak with a XXXX rep today and they said they only file reports, they don't block access. That's nice, but they were wrong to file a report on my old bank acct and the new bank acct I set up recently trying to work around their stupidity. I never had any problems with sending money for my needs until XXXX intervened. According to their website, they partnered with XXXX, a XXXX financial security organization. There are so many things wrong with this situation. I filed a complaint against XXXX with the XXXX and have asked my US representative for a referral to someone on a banking regulations committee.
Product: Credit reporting or other personal consumer reports

Hello, On XX/XX/XXXX, I received an alert that my XXXX XXXX changed, so when I logged into my XXXX XXXX account, I saw that my score had dropped XXXX points. I thought that was strange, so when I looked at what happened, it said that I had a change in debt. I looked at all my " debt '' and it had nearly doubled. I thought that was extremely strange and the worst possibility was that I potentially had identity theft. I checked to see the debt I had and quickly realized that nearly all of my student loans had been listed on my TransUnion report twice. My other XXXX XXXX for XXXX was unchanged. XXXX XXXX lists XXXX new XXXX  accounts detected. I've had the same student loans since XXXX when I graduated, but my account says there are XXXX new accounts open since XX/XX/XXXX. I know there are issues with the litigations going on, but my loans were placed in forbearance and are still in forbearance. I'm complaining because XXXX has been difficult to work with in the past, and I'd like to start a formal XXXX XXXX for this occurrence. I'm also not sure if the issue is TransUnion, but I want to get to the bottom of this. 

Checking my XXXX XXXX XXXX account, I owe {$24000.00} in student loans, which is accurate. I took out the maximum federal loans for my XXXX degree. I earned an XXXX award in XXXX and paid off a little over {$6000.00} on a XXXX XXXX. XXXX loan was paid off ( about {$1800.00} ) before I graduated college in XXXX. My TransUnion credit report now says I owe {$49000.00}. That's nearly double my actual student loan amount. I have not taken out any other student loans, nor have my loans had enough time to double in interest, as it is only XXXX and they've been at XXXX XXXX interest for a few years since XXXX. Also, they're XXXX  loans, so the rates were already around only XXXX XXXX. ( I'm just stating the obvious ). I am going to work on disputing the duplicity, but again, I want to document this egregious and ridiculous error.
Product: Vehicle loan or lease

I had a car loan through Santander Bank. My loan originated in XXXX. After 2 years of paying on the loan I couldnt understand why the loan amount was n't going down. I had talked to them in the past but never really paid to much attention. When I finally really started looking at my statements I came to discover that with the {$510.00} a month car payment I made only {$9.00} was going towards my loan every month..I couldnt believe it. Come to find out, they also added XXXX a day to another loan for a personal friend of XXXX she had no idea they were doing ... Her {$1600.00} loan turned into over {$15000.00} in the end ... Santander bank as a whole is a relentless corporation and they are thieves ... I feel that someone should seriously look into how much money they are stealing from consumers EVERY DAY!!! THEY NEED TO BE INVESTIGATED!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED THIS COMPLAINT ( XXXX ) OVER A MONTH AGO AND XXXX XXXX FAILED AGAIN TO PROVIDE ME THE VALIDATION AND VERIFICATION I ASKED FOR ( SEE ATTACHED ). I HAVE ATTACHED WHAT THEY SENT ME AND IT ADDS UP TO JUST A BUNCH OF BILLS. SOME DO NOT EVEN HAVE MY NAME ON THEM. THEREFORE THEY ARE IN VIOLATION OF THE FCRA. I NEED INFORMATION I CAN RESEARCH IN ORDER TO VALIDATE THIS DEBT AND FOR THE SECOND TIME THEY HAVE NOT PROVIDED ME THE INFORMATION I NEED. IF THEY DO NOT HAVE THIS INFORMATION THEY ARE REQUIRED BY LAW TO REMOVE THIS INFORMATION FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw XXXX XXXX XXXX for XXXX XXXXXXXX XXXX  XXXX XXXX. In the amount of {$460.00}. This is due to fraud as I was incarcerated. As they can see from account opening there was never any activity on the account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at XXXX I received a call from XXXX XXXX I didn't answer. The person left a detailed message regarding fraud on my Bank of America account. She also left a reference number XXXX. I didn't call back as I suspected it was a scam. Her voice was clear with perfect XXXX and she was quite calm. I called B of A 2x last week and couldn't reach anyone. it didn't matter what dept I reached out to I received the same automated info as to how busy are. Yesterday I received postal mail from " Bank of America '' to call them right away at XXXX as they received a credit card application in my name and they need me to verify that I submitted the application which I did not. I didn't call either. On the bottom of the letter it states if they don't hear from me within the next 30 days they won't be able to complete their review and they'll cancel the application. *Please note the letter is dated the same day as the call XX/XX/XXXX and contains the same reference number as in the call voicemail. It also appears a bit fake in some areas. It has been impossible to reach anyone at Bank of America and I tried again today. I'm calling the number on my card but I'm wondering if my calls are being rerouted. To continue, I called my other bank today as I noticed that a hard inquiry was done BY BANK OF AMERICA ON XX/XX/XXXX AS WELL. The rep from my other bank couldn't really assist but it was definitely done and lowered my score. I informed her of what is going on. I'm not sure what the next step is. I'll probably have to visit a Bank of America as my calls are not being answering. I have no idea why they did a hard inquiry and more importantly without my permission or knowledge. I know about this as my other bank provides me with credit monitoring services. I'm very concerned about this situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint under the FCRA and fair credit and billing act as I can not get answers from experian. I need to know the company rights to collect under the fair credit and billing act. 
I have no knowledge of these accounts. It may belongs to my ex-husband. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my Experian credit report : DISPUTED ACCOUNTS XXXX. XXXX XXXX XXXX Account numberXXXX XXXX. XXXX XXXX XXXX Account numberXXXX XXXX. XXXX XXXX XXXX Account numbeXXXX  XXXX XXXXXXXX XXXX  Account numberXXXX  I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with.
Product: Payday loan, title loan, or personal loan

My account met maturity on XX/XX/XXXX. Due to a program for XXXX relief, there was a large balance due. An employee with Prosper called with a plan to pay down the balance and avoiding any negative information sent to the credit bureaus. I agree and set up 4 monthly payments to settle the balance paid on by a certain date in order to keep the account current, allowing no negative information to be submitted. 
The next day another employee with Prosper called with an option to settle the account in XXXX payment instead of the agreed upon plan the day before. I told the Prosper employee I rather keep what I agreed to. 
After making XXXX of the XXXX payments as scheduled, auto bank transfers, I get an alert from my credit monitoring service that I was 60 days behind. This must be a mistake, I called Prosper about this and was told they were at fault for by a mistake made by them and that the terms I agreed to were null and void and that they would not remove the negative reporting. Prosper acknowledges they made multiple mistakes, including offering me a refund of my payments and still refuse to fix the problem that they have caused. I have called multiple time today on XX/XX/XXXX only to be purposely disconnected while on hold to speak to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on an item through the Equifax online option. I received information that the investigation was completed and for me to check the results online. I have attempted to review the results on numerous occasions. The Equifax system advise that they can not confirm my information. This is a standard practice with Equifax with not allowing me access to credit file and or investigation results.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX