23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, CHASE Home Mortgage has lied to me and my family for the past 6 years playing games with my home. At the beginning of this year CHASE HOME MORTGAGE told me to email all my financial documents since the interest rates dropped and i was eligible for a loan modification to be able to avoid foreclosure. 

After 3 months under review for the 5th time with CHASE HOME MORTGAGE they told me i was not eligible because it is not on the best interest to help me avoid foreclosure and the only way to avoid foreclosure was now to apply for a short sale which Now CHASE HOME MORTGAGE is telling me that i have no options because the investor of the loan is CHASE and they don't feel like helping me avoid because of my history and background.

Due to the fact that CHASE Home Mortgage is the servicer and owner of my loan, XXXX XXXX from the escalations team phone # XXXX told me that they will not help me in any way because my investor which is CHASE HOME MORTGAGE doesn't not comply with any short sale regulations any longer, XXXX XXXX from the escalations team phone # XXXX also told me that even if i filed a complaint with the CFPB, OCC or the State Attorney General nothing will change since those government agencies are on their side with the new administration. 

As a homeowner trying to do your best to avoid foreclosure i don't believe this is fair for me and my family. ALL IM TRYING TO DO IS END THIS NIGHTMARE FOR GOOD! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I changed insurance companies and found out that I did not get the best rating because of a mark on my credit report with Experian. I contacted Experian through their website and filed a complaint that their account information with the XXXX XXXXXXXX XXXX XXXX was not correct on the XX/XX/XXXX, credit report that was generated. It stated in the payment history that in XXXX of XXXX that the account was in collections. This is NOT a correct statement. The account was NEVER in collections. Under Account Information they show that the account is Closed, Status Paid, Closed. Updated in XXXX of XXXX. Nothing is stated in the Balance column, because there wasn't a balance. 
I have contacted Experian 5 times to correct this ; four times through the website and once by phone. They corrected the fact that it was not in collections, but then they created another problem. They stated that the account was " OPEN ''. The account has been closed since XXXX of XXXX. How can they now say that it is OPEN/ NEVER LATE, create a Balance of {$0.00} and start marking checkmarks monthly on payment history for Current/Terms Met when the account has been closed since XXXX of XXXX? They are not correcting this misinformation.
Product: Credit card or prepaid card

My Bank of America account is closed ( i requested ) i cant have correct date and amount but it will be in day or XXXX difference. 
My business credit card was charged for offset payment for XXXX $ and my checking account was left with XXXX XXXX I am going trough hardship and cant afford regular daily expenses. They took money on XXXX or XXXX of XXXX, 2023. I called many times and tried to get written explanation based on what state or federal law they can leave me with XXXX $ and without my contest take the money away. I was able to talk to escalation manger and he told me that based on my agreement they can do that. Paragraph XXXX as he mentioned. I believe that agreement is unlawful and should be voided. I feel my rights are hurt, i cant pay my rent now. This money should be taken only if court approves in my opinion. 
I need protection and help, cant afford lawyer. 
Thank you! 
Best way to be reached is my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today concerning the following incorrect information on my file, which is a closed XXXX XXXX XXXX, this was opened on XXXX XXXX and was closed in the amount of {$3100.00} and a collection by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX in the amount of {$740.00} which was opened on XXXX XXXX. I am an unfortunate victim of identity theft due to the fact that i had no knowledge or participation in the opening and closing of these accounts, as a result, i went to identitytheft.gov as soon as i was aware, which was of XX/XX/2023, to report these incorrect reports that adversely affect my public confidence.
Product: Consumer Loan

I purchased a vehicle about one year ago around XXXX ... .. I was sold a vehicle from a used car dealer named XXXX ... .. I gave them XXXX down for a 2008 XXXX XXXX .... What XXXX XXXX did not disclose was he had obtained an title loan on the vehicle ( FRAUD ) ... .... To make this long story shorter ... .. He never paid the title loan back & the car has a lien on the title but yet he was able to get me financed through Mark 1 Finincial ... .. Now from what I know now mark 1 should have did a title search to make sure title was free & clear ... .. I do n't know what they did but I am now paying a car note on a car that has a lien on it ... .. Mark 1 told me they would take care of the problem and to continue too make my payments on time ... ... That 's was about 4 or 5 months ago ... ... Last Tuesday they told me they would not be able to help me & that I would have to figure it out on my own ... ... It 's to my understanding now that whoever has the first lien on the car has all rights to the vehicle ... .. So that would mean the title loan company has the rights to the vehicle & mark 1 has none ... ... So I would like a full refund of my money I 've been paying the last 11 months ... ... They want me to pay off a loan for nothing ... ... They ca n't produce clear title if I pay off the vehicle
Product: Debt collection

XXXX is attempting to collect a debt for services that were never rendered in XX/XX/2015. Three debt  collections agencies, to date, have closed the account due a lack of sufficient evidence by XXXX.
Product: Checking or savings account

I believe that the bank is purposefully withholding funds from our deceased parents checking and savings from being rightfully distributed to one of the three beneficiaries. As the estate representative I am unable to close these accounts and place them into the estate account. If this would be possible I as the estate representative would be able to write a check from the estate account and pay my sister the third beneficiary her! /3.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified XXXX XXXX XXXX XXXX on XX/XX/2019 that I am a victim of identity theft, and requested that they Close the unauthorized account, Remove charges of {$6500.00} on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at this company. I did not open or authorize this account, and I requested that it be closed immediately. They did not send me written confirmation that I am not responsible for charges on this account, and did not take appropriate steps to remove information about this account from my credit files.
Product: Money transfer, virtual currency, or money service

In the PNC banking. My account was hacked XX/XX/XXXX. And this day. Havent been resolved. 
What I be able to do at this point?? 
XXXX XXXX. 
( XXXX ) XXXX XXXX.
Product: Student loan

On XX/XX/XXXX I tried to make a payment of {$1000.00} on my NJClass ( HESAA ) loan. At the time I did not realize that I had two bank account profiles one being my joint and the other which I always use. The payment went to the joint instead of the correct account and I noticed this because the payment was still in my account so once I recognized this I logged on to NJClass and deleted the incorrect bank profile and resubmitted to the correct account. I noticed the money was still in my account so I logged on again and saw that my payment privileges have been revoked. So I called to try to pay and was told I cant make a payment over the phone and would have to appeal to have my payment options reinstated. I emailed them and havent gotten a response back. Meanwhile my loans are collecting interest with NO possible way for me to make a payment. Ive been paying on these loans since XXXX. I have paid off several loans 3 of  them were paid off this year and two totaling XXXX were paid off in XXXX. They are collecting interest and not allowing me to pay my loans.
Product: Credit card or prepaid card

I use XXXX XXXX XXXX XXXX pay card for my payroll check and around XX/XX/2018 started seeing unauthorized transactions appear I filed a dispute and cancelled my card and a new card came in the mail and I still saw charges popping up from the same place in the meantime my dispute was denied even though I was within all of the guidelines and time parameters specified by law and XXXX XXXX XXXX policy I sent letters of dispute they didn't receive and sent them back to me I filed emails to the dispute Department only to learn that my dispute had been denied for inconsistent information there is no inconsistent information because I used the information directly from my account online and put the dates the description of the air and the amounts that were totaling over {$700.00} they say I have to appeal but the appeal process can take 45 to 90 days. When I tried to talk to the dispute department they say that there's no way to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the information listed on my identity theft affidavit and this affidavit of facts. As these accounts appear to be a part of one of the several data breaches that I have been included in. Also, please read over the violations that have occurred as by product of you placing adverse information on my profile without my consent. 

Please see the attach FTC Fraud Affidavit Letter. 

Please note that I have address all credit reporting agency involved in one letter. Please read it and go to the section that has the name of your perspective company and delete what is listed. 

Please see my identification listed inside of the letter.
Product: Credit reporting or other personal consumer reports

I am uploading this showing my filing for identity theft which occurred in XX/XX/2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a wife and a newborn. I need help please
Product: Credit reporting or other personal consumer reports

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I reached out to all three credit bureaus XXXX, XXXX, and Equifax to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. There is conflicting information shown on the 3 separate accounts This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

There are still the following months missing data : XXXX XXXX have no information and XXXX XX/XX/XXXX show " No Data. '' There is charge off then th4e account was brought current then charged off again for the same account. The account showed positive status after charge and then many incorrect negative statuses followed by more charge offs. This is impossible. This would be a violation of Tax law, Metric reporting requirements, and my federal rights. 


One one reporting account there is an account ending in XXXX and an account with a different account number. Both are being reported as my account. This is impossible. 

Further, XXXX, XXXX and equifax continue to violate my rights by not providing specfic information requested to document a bona fide dispute process. Also, by engaging in stalling tactics by requesting identifaction information, even when the information was submitted with the complaint. These agenices have also sent multiple communications to the contact information provide in the past. If there was a legitimate process, this false inaccuracies would not continue to appear on my report. 

All Bureaus continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. XXXX reports incorrect payment history that reflects incorrect late payments. XXXX, XXXX, and equifax do not list payment history and records before XXXX. This does not constitute as a complete report. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information more than 4 times. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities because XXXX, XXXX and equifax refuse to remove incomplete, inaccurate information., I demand this innaccurate and incomplete report be removed from my credit profile immediately or federal litigation will be sought pursuant to FCRA violations.
Product: Debt collection

This was XXXX that was ordered by the Doctor. XXXX refused the test for XXXX. It had been ruled no longer covered by XXXX. XXXX said I was not responsible since it was a new ruling and that the Doctor and I were not aware it was no longer covered. My supplemental insurance did not pay since XXXX did not. The test for XXXX was a small portion of the testing and of the bill that was paid. The test for XXXX XXXX was ordered because of XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

During 2025 tax filing through XXXX XXXX i was offered a refund advance loan via credit karma and it was very clearly that i was approved for the loan contingent upon the agreement that i use a credit karma account to have my refund deposited. 4 days after accepting this offer i was informed through XXXX XXXX that i was 'not approved ' for the advance that i had previously been approved for and i am not able to recieve my refund into another account. XXXX XXXX has also not refunded the fees associated with this refund method
Product: Credit card or prepaid card

On XX/XX/2018, I was out shopping at my neighborhood mall. I went to various places to spend. Once I got home I looked at my account history to check my balance. To my surprise an ATM withdrawal in the amount of {$300.00} was taken out of my account by an unknown person. The card was in my possession and I have no idea how someone couldve withdrew money. I never use ATMs as theyre unsafe to me. I immediately transferred the rest of my money away from the card and called American Express Serve to notify them of the unauthorized transaction and have them cancel my card. They informed me Im not liable of any fraudulent transaction and my claim would be processed and credited within 10 business days. About 20 days later I received a letter stating that the claim has been denied because it was an atm transaction and i must have authorized it. I HAVE never went to the ATM and I didnt authorize anyone to and no one had access to my card other than me. They told me to write their dispute department explaining this situation. I faxed and mailed their dispute department with no response. I just dont know what to do, i trusted this company for over five years. Now I no longer want to be a customer.
Product: Checking or savings account

On XX/XX/XXXX a check cleared my first XXXX XXXX ( now XXXX XXXX XXXX  ) checking account. The amount of the cleared check was for {$1500.00}, and I knew I never wrote a check for that large a sum. I noticed it while checking my online account, so I clicked to view the check. the name of the person I wrote the check to was crossed out and another name was written over it. The original amount of the check for {$15.00} was changed to {$1500.00}. the line with the written amount remained unchanged ( still written for XXXX and XXXX dollars ), yet this check somehow cleared for {$1500.00}. the check had been mailed at the XXXX, Illinois XXXX XXXX, and very obviously was intercepted at some point and altered. I immediately went to my first XXXX XXXX in XXXX to report the incident. They reported that the check was deposited electronically at Bank of America. I was told that the written line amount always would supersede the amount in the dollar amount field, but somehow this was not the case. Also, a crossed-out name should be flagged and such a check should never be cashed. An affidavit was files around the XXXX of XXXX ( though XXXX XXXX says the affidavit wasn't officially filed until after the bank merger of XX/XX/XXXX ), right after I caught the fraud on my account. It has now been 6-7 months and XXXX XXXX claims the burden to return my money falls entirely on Bank of America . I have been to the branch numerous times and am given the same answer each time, i.e., that it is not their problem and Bank of America needs to act. Bank of America told my banker that because they have had so many fraud claims, they are backed up and there is no time frame in which they are obligated to return my money. The investigation should be easy with 2 glaring check alterations. Is there truly no time limit on the length a fraud investigation needs to be resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the company that I did not apply for a loan of no sort and that I am a victim of identity theft. The company then assume that I gave permission over the phone for a nephew to cash a check or get the loan in my name. First of all, I am not going to give anyone permission to use my credit being a victim of identity theft and over the phone id definitely insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified trans union 3 times about this same issue but they refuse to do their job. I notified them about XXXX XXXX card services, and XXXX XXXX XXXX XXXX This is Fraud and they refuse to remove this. 

I have contacted trans union 3 times about this same issue but they refuse to do their job.I notifies them about, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX There is only XXXX that has a actual phone number and address which is XXXX XXXX XXXX and they said that this is not there problem. No one has proof of any action that I approved of any of these hard inquiries. All of these are fraud and Trans Union refuses to do there job and remove these. Please help they have cost me alot of money in the past years and no one seems to be able to help.
Product: Credit card or prepaid card

I have repeatedly disputed with Capital One and XXXX  regarding the accuracy of an account Capital One is reporting on my credit report. I am exercising my right under FCRA section 609. I have a right to view the information that Capital One has regarding a account they are reporting on my credit report. I do not agree with the balance or payment history. Example, the credit limit was {$300.00}. XXXX  is reporting the high balance as {$800.00}. How did the balance exceed the credit limit? Capital One verified the information as accurate. I do not agree with the late payments. I am requesting ; the Balance History, Payment History, Original Contract, Payoff Disclosure, Interest Rate Disclosure, and Credit Insurance. Capital One has not provided any of the documentation requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is reflecting on my credit report that my account was paid late and it was not they just said I had a late payment on XXXX was reported on my credit report saying I was late in XXXX. Its currently showing Im late and this account has been paid in full with a XXXX balance since XXXX. There not reporting anything accurate on my credit report not XXXX balance not current limit and also reported a late payment which I was never late. On my credit report stating Im late and Im not late. I need a letter stating that Im not late and showing my current balance which is XXXX. The attachment shows it wasnt updated since XXXX but I got alert on XX/XX/XXXX and my points drop XXXX points because was showing currently late I also attached my credit limit with them showing also I dont owe anything also what is reporting incorrectly on my credit report I was never late and why was this just got reported XXXX if I was late way in XXXX. I was never late I want this corrected and Im currently not late as well. Thank you