23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I requested a copy of my credit reports from XXXX in XX/XX/XXXX ( incl ). I noticed that all 3 bureaus reported my Chase card account differently. I wrote to Chase requesting that they look into it. In XX/XX/XXXX XXXX from Chase wrote me back ( incl ) that the reporting was investigated and it was found to be accurate. I knew that this could not be correct because there were 3 different sets of information. I called Chase and they told me they would not update anything and that I had to dispute through the credit bureau. I did so through XXXX, and lo-and-behold, Chase updated some of the information ( chargeoff date and Status ). I got another copy of my XXXX report in XX/XX/XXXX ( incl ) - under Status, it still says " {$4400.00} written off. '' Yet I have a letter from Chase and a 1099-C ( incl ) showing that {$2600.00} was written off. If you were to look at my report, based on the High Balance and that Status, it makes it seem as though I never paid 1 dollar to settle. My complaints are : 1 ) that Chase is really giving me the run-around and did not REALLY investigate when I asked them to in XX/XX/XXXX and XX/XX/XXXX, and generally refusing to cooperate. 2 ) That they are continuing to report inaccurate information after my credit bureau dispute. 3 ) That they are knowingly reporting the false info, considering the documentation I am providing CFPB comes directly from Chase. I suppose XXXX and the other bureaus should be required to remove this account since I am sending you the 1099C/letter and my report to show that it is being reported inaccurately, but my main complaint is with Chase for being so intentionally difficult and refusing to correct the information. Both the credit bureaus and Chase keep referring me back and forth to each other for a resolution. Please help.
Product: Mortgage

XXXX XXXX, my father, before he died struggled financially ... he obtained a bad loan modification of which I inherited with PHH. 

PHH denied my application because I've kept the account current The rate is 4.75 which is too high..most of my monthly payment goes toward interest
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit and noticed I had fraudulent accounts on my report and hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I OPENED A GRAIN CREDIT ACCOUNT BACK IN XXXX OF XXXX AND HAD VERY GOOD CONSISTENT PAYMENT HISTORY UP UNTIL XXXX AND  XXXX XXXX  XXXX ( NOT MY FAULT AT ALL ) THE COMPANIES SYSTEM ( XXXX  ) ALWAYSHAS PROBLEMS WITH DISCONNECTING CUSTOMERS BANK ACCOUNTS, SO UNBEKNOWST TO ME MY ACCOUNT HAD BEEN DISCONNECTED ATLEAST 3 TIMES IN WHICH I WOULD ALWAYS TRY TO CONNECT THE ACCOUNT AND HAVE EVEN GONE AS FAR AS TRYING TO CALL THE COMPANIES CUSTOMER SERVICE LINE, NO ONE EVER ANSWERS THE PHONE ( ( XXXX ) XXXX ) SO I TRIED EMAILING THE COMAPANY AND WAS FINALLY ABLE TO SPEAK WITH A LADY NAMED XXXX ( HER EMAIL IS : XXXXXXXX XXXX XXXX ) I SPOKE WITH HER ON XX/XX/XXXX AND STATED MY CASE AND AFTER OUR COMMUNICATION SHE STATED THAT SHE WOULD RECTIFY MY ACCOUNT BY CREDITING THE ACCOUNT BECAUSE I LET HER KNOW THAT THE LATE PAYMENTS WERE NOT MY FAULT! WELL TO THIS DAY THE LATE PAYMENTS ARE STILL REPORTING ON MY CREDIT IN WHICH OUTSIDE OF THIS CASE I HAVE A PERFECT PAYMENT HISTORY AND NO COLLECTIONS, I HAVE DISPUTED THIS ACCOUNT ON NUMEROUS OCCASIONS AND GRAIN WILL NOT RESPOND TO ANY OF MY DISPUTES NOR HAVE THEY SENT ANY PHYSICAL DOCUMENTS VIA THE MAIL. I AM VERY DISSAPOINTED AND IM SURE THIS IS A VIOLATION OF MY RIGHTS. PLEASE HELP FIX THIS ISSUE IVE SENT DISPUTES TO ALL 3 MAJOR CREDIT REPORTING AGENCIES AND TO GRAIN ON NUMEROUS OCCASIONS IN WHICH I ATTACHED DOCUMENTS BELOW AND HAVE YET TO RECEIVE ANY FORM OF COMMUNICATION WHATSOEVER!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my account over 30 days late even though we had an agreement in place which I sent to Experian. Experian lets things go 45 days with out a response but again the consumer gets the shaft because these banks control Experian. The other credit bureaus have already removed these items after I sent documentation. So I am going trust that Experian even did the investigation. My next plan of action is filing a lawsuit against Experian and XXXX.
Product: Student loan

Twice since the start of my loan repayment I have had economic hardship. When calling Sallie Mae ( now Navient ), the only options that was given to me was forbearance or deferment. These options caused my overall loan to increase thousands of dollars by the end of the payment term. It has now been over 6-7 years on repayment and somehow many of my account balances are higher than the principle I started out with. Income based repayment was never offered as an option for me and would have been the best option for the financial situation I was in at that time. I feel that Sallie Mae never offered these because they just wanted to make more money off the borrower in the long run. The impact of forbearance or deferments were also never mentioned and proved to be a huge addition to my original loan amount for a couple months of hardship. 

Before my hardships, there were many times where I paid well more than the minimum payment amount. These payments were not allocated in a way that made my payments go down faster and somehow never made a difference after I had to file for forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the courthouse on XXXX XXXX asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy account number ( XXXX ) as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15. USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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. 

I have attach the letter from the court house that I sent to them as well as their response as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. 

I requested over XXXX times for Capital One to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to Capital One that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector XXXX XXXX XXXX XXXX XXXX Capital One misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my Financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian has not removed disputed record of 4 months of late payments after Creditor committed to removing negative items. Experian has not updated all those that have requested my credit with the updated information. I confirmed this today XX/XX/2016 with Experian both online and over the phone. Too much time has passed and my credit is still suppressed by this inaccurate information. This must be resolved immediately.
Product: Debt collection

I am a defendant in one of several cases filed on XX/XX/XXXX in the District Court for XXXX XXXX XXXX, XXXX, all of which involve the same debt collection company, XXXX XXXX XXXX. ( Attachment A ). However, on XX/XX/XXXX -- three weeks after these cases were filed -- Second Round Limited Partnership registered the plaintiff 's trade name, Second Round, LP, in Maryland ( Attachment B ). 

Therefore, the mere filing of these cases alone represents a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA provides that " no business, company, or organization may use a name other than its true name ''. ( See 15 U.S.C. 1692 ( e ) ( 14 ) ). 

Moreover, in each of these cases, the purported address of Texas-based Second Round, LP is the same as the Michigan address of the plaintiff 's Maryland-based attorney, XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. ( Attachments C and D ). Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for a mortgage, my credit report came back and showed my student loans as duplicates one from XXXX ( current loan servicer ) and XXXX, which was the original servicer which had transferred my loans to XXXX. These loans were transferred on XX/XX/2023.
Product: Mortgage

We got behind due to COVID 19 being laid off of work. We applied for a modification. 

1. The first time, we got denied because they said we didn't make enough money. They was not counting my son 's XXXX income, even though I'm his legal guardian and the one that takes care of him. 
2. I reapplied. This time, I got denied because I didn't have the paperwork turned in ( on time ) according to them. I have screenshots with timestamps proving they DID have the paperwork, ( on time ) but that was the reason they gave. 
3. I reapplied again. This time I got denied due to not having enough disposable income. Again, I have proof this is not true and yet this is the reason I was denied. 

This has been going on a year. They keep finding reasons to deny us and try to foreclose on our house.
Product: Student loan

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Maryland  XXXX  Email :  XXXX  XXXX  XXXX   XXXX   XXXX  )  XXXX   XXXX   XXXX ,   XXXX    XXXX  : MEFA Application  XXXX  ; Account #  XXXX  Account #  XXXX  Account #  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX , MA  XXXX  Dear  XXXX   XXXX , My name is  XXXX   XXXX   XXXX . I am working on my   XXXX   XXXX   XXXX   at the University  XXXX    XXXX   and all I am trying to do is combine my  3 MEFA loans into one  to reduce my monthly payment.   The question I am trying to get answered is and it isnt disclosed as an underwriting criteria anywhere. Can the  3 l oans be combined into a variable rate to reduce my monthly payment? The   3 loans I want to consolidate are existing MEFA loans. I have been through the website and loan documentation disclosures 3 separate times and nowhere is it disclosed that the loans have to be in repayment for 12 months.
When I go back to the Loan Application and Solicitation Disclosure the eligibility criteria states and I quote Must be currently making payments on all student loan debt to be refinanced. It doesnt state it must be in repayment for one year  . As a matter of fact I had called Customer Service before I applied and was told that my loans had to be in repayment and current for at least 90 days.   Please also keep in mind, I have already paid one loan down by  XXXX , my loans are current, my  credit score  is good, I dont understand the delays.    XXXX   XXXX  has stated that I should withdraw my application. I do not wish to withdraw the application, and if  MEFA  is going to turn down the loan for this reason I have requested they put it in writing which I can then take and file a formal complaint with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , The Massachusetts Office of the Inspector General,  State  and Federal Banking Regulators and the Department of Education for deceptive, misleading, and predatory lending practices.   The bottom line is I believe I am being discriminated against because I am a  XXXX  borrower and my guarantor is my  XXXX   XXXX   XXXX   XXXX  grandmother. The loan officer probably forgot to mention thats the real reason for jerking me around.     I am formally requesting an answer in writing to my loan application so I can escalate this issue accordingly. I thank you in advance for your update to my application.       Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Payday loan, title loan, or personal loan

I had an instore loan with Check n Go and then applied for an outsource loan for an extended amount with Axcess Financial who through Check n go. They have not reported my on time installment loans to my credit since XXXX of XXXX. XXXX was paid in full XX/XX/XXXX for XXXX reference number was XXXX auth code : XXXX, cust ID : XXXX ). I have since disputed with XXXX a couple of times and there is no way anyone is truly conducting a research if it is still showing I have an open balance. ( If i wasn't making my payments it sure would be reflecting then!!! ) I have contacted Axcess Financial because it was not up to date with my accurate on time payments and now completion with loan. I just had ANOTHER dispute completed today ( XX/XX/XXXX ) again with XXXX and still none of payments were updated for every month after XXXX and it is not reflecting that my installment has been completed. I tried to contact what my credit report showed : AXCESS FINANCIAL who send me back to Check n Go since it was a in store installment loan. When I contact Check n Go and their system reflect I have a completed payoff installment with all payments before on time, I am at a stand still and at this point, JUST DELETE THIS OFF MY CREDIT REPORT AS A WHOLE. I don't know who to contact at this point but I want this off my credit report completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  received my Identify Theft affadivt of inaccuracies and fraudulent accounts on my report on XX/XX/XXXX. I included my insurance, utility bill, and notarized signed descriptive report of all innacurracies. I sent certified mail and received the receipt back they signed for the documents. I called over the phone and was told they refused to remove Conns Appliances ( account opened fraudulent in my credentials ), XXXX XXXX XXXX, XXXX XXXX XXXX all FRAUD accounts. I have been battling with the creditor as well as XXXX  and the refuse to remove these accounts from my report. I am suffering a great deal of XXXX. XXXX  keeps giving me the run arounds they removed all of the other fraud and inaccuracies but refused to removed these accounts. I was also told by a representative on XX/XX/XXXX that they do not honor identity theft affidavits and the theft accounts will stay on my report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account XXXX XXXX
Product: Credit card or prepaid card

I had replied to an offer I received through my XXXX  Co-op membership for an XXXX XXXX XXXX XXXX offering 0 % balance transfers. I applied and recieved approval for the card and the account on XX/XX/XXXX by email. I also received a phone call about authorization for balance transfers on XXXX XXXX, and I agreed to the transfers I had requested. There was no mention of an increase in the balance transfer rate during that call. 

When the first transfer showed up on the US bank statement, it showed an 11.99 % interest rate. This was not mentioned in the authorization phone call, or by email, or in any other written communication. I called today XXXX XXXX XXXX ) and was told I had not qualified for the 0 % interest balance transfer. Fortunately, since the process was so slow, I was able to cancel the second of the two transfers I had requested. I am still charged the transfer fee of {$100.00} plus {$3.00} of interest for the first transfer. I spoke with a fraud resolution specialist named XXXX, who did not acknowledge fraud, and agreed to cancel the remianing transfer, but did not offer a repayment of the balance transfer fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiry XXXX XXXX XXXX  dated XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, EQUIFAX MORTGAGE SERVICE, XXXX unauthorized inquiry, EQUIFAXMORTGAGE SERVICE, XXXX XXXX unauthorized inquiry, EQUIFAX MORTGAGE SERVICE XXXX unauthorized inquiry, EQUIFAX MORTGAGE SERVICE XXXX I have communicated on numerous occasions that i NEVER have given my written consent to perform any credit check or look at my credit report. they have corrupted my privacy and hurt my credit score, I want these inquiries removed at once.
Product: Checking or savings account

On XX/XX/XXXX I deposited a reimbursement check for {$250.00} I received from the state of Washington through Chimes mobile app. On XX/XX/XXXX, I received an email from Chime that they received notice that the bank upon which the check was drawn was refusing to honor the check and requested that I refer back to the maker of the check. I contacted the maker of the check and spoke to the financial department both through email and phone and they reported that they did not request the check to be returned. The issuer of the check submitted via email a copy of the warrant, that the check was redeemed and that Chime did receive the funds. This was confirmed by a Fiscal Analyst through a three way call between them, myself and Chime. The Fiscal Analyst then informed the Chime agent that there was nothing on their end that a request for the funds to be returned was initiated or submitted and told the Chime agent to return the funds, as they were received by them. Chime informed the Fiscal Analyst that the treasury department for the state of Washington was not a real bank. I have been told by Chime that the check that was submitted through the mobile app will be returned to me ( despite me still having the physical check in hand ) and was told in an email : Your check has not been cashed. You may attempt to cash it through another institution, but please do not try to redeposit it to your Chime Spending Account. Since then I have learned, despite its various marketing and advertising listing it as an online bank, Chime is not a bank- it is a financial technology. As a result of Chime removing the {$250.00} funds from my account they have left me with a negative balance and I am now incurring late fees from various companies for not submitting payments I had previously scheduled.
Product: Credit card

I called on XX/XX/XXXX to dispute a charge on my credit card as saw a charge posted on my credit card that I didnt recognize. I called customer service of Citibank to inquire about the charge but they couldnt provide me with any information about the merchant which is actually an organization per the charge that I saw on my Citibank credit card app. Btw, its a XXXX XXXX but is a general card and I use it as my primary card. I just called today again, XX/XX/23, since when I open up my Citibank app it asks me to call customer service. The customer service rep, I think is from their fraud department, was apologetic. I was like so you think everyone will have two cell phones registered to them so as to authenticate the customer. So theyve supposedly sent me a letter in the mail albeit Im not home since on a business trip. I will be home tomorrow late night ( XX/XX/23 ) and hope to get the letter with reference number because until then I cant use my card nor can I submit a formal receipt. Ultimately I intend to make the dispute and not use any new card they provide and will then close my account after the dispute is resolved. I find that their authentication practices are inadequate and discriminatory if it requires that a customer has to have XXXX separate phone numbers to authenticate. Banks are typically able to authenticate a persons identity through many means inc SSNs, mothers maiden name, prior addresses, email accounts rather than Citibanks supposed practice of either two phones or sending a letter in the mail that contains a reference number.