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

XX/XX/XXXX XXXX XXXX  I opened a checking account with Chase Bank online. From there, I deposited two checks. One check for {$850.00} and another for {$940.00}. After depositing these check through the mobile app, the bank released some of the funds. The next day, XX/XX/XXXX, when I went to use the funds, a hold has been placed on my account. I called 3 times that day to get the situation straightened out, but was given different information each time I called. On XX/XX/XXXX, I called two more times as the funds were still on hold. They released part of the funds, but would not give me the full amount of funds left. I then was told to go to the physical bank with my identification documents. On XX/XX/XXXX, I went to a local bank branch to follow up. This branch gave me more contradictory information and told me I wasn't supposed to come in person, but rather gave me another number I was supposed to call. My account was then closed by Chase with no reason given. From this time, I have tried multiple times to call to get the rest of my funds returned. They have given me {$1000.00}, but I am still owed {$720.00}. The check ( which is a paycheck ) was cashed so I was unable to stop the check. Since XXXX, Chase has been withholding these funds from me and because they closed my account, I have no way to access them. My attempts at calling and resolving the matter have resulted in nothing thus far.
Product: Credit card or prepaid card

On XX/XX/2019, logged into my online account and noticed my dispute amount had been re-applied to my account. I went to my documents online to see what merchant 's response to my dispute was, and was unable to download the documents because they are provided in an unsupported format. I chatted with credit card company, Citibank, asking that these documents be sent to me either via mail or email. Representative advised they would be emailed within 24-48 hours. Had not received by this time, so again chatted on XX/XX/2019, inquiring and informing docs not yet received. Representative said wait longer. When inquiring about the XX/XX/XXXX deadline for me to submit rebuttal, rep was dismissive and asked me to call.
Product: Student loan

It was n't timely, but I did 100 % pay off my student loan debt. However, after checking my credit report it shows that I have a balance of {$0.00} but does not show that I am paid in full. I 've contact Navient via email, phone and fax and this issue is still not resolved. Even when I spoke with their customer service they stated that I do n't owe any money but I 'd have to contact another department that took care of that issue ... but they only accept faxes! I sent a fax with my the copy of the credit report and a letter months ago and have not received a response. If I 'm wrong and owe them, fine, but contact me so I may know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact XXXX and Equifax about XXXX XXXX and let them know that the account was fraudulent open up in my name and I also attached both police reports and wages showing proof that the account was fraudulent and every 30 days they say we have to wait until the company responds and each time the respond back as accurate as if the account belong to me and up dates the past due balance ... I am very hurt about this situation because I am a victim of fraud
Product: Mortgage

Why when I told my lender/servicing company before I signed their loan modification offer sent to me of XX/XX/XXXX, that I told them I couldn't afford their loan modification payments due to both health issues and affected by XXXX loss of income, they told me I have no other option but to accept their loan modification offer or else I could lose my home. 

Why did they never mention any other financial assistance option such that The U.S. Treasury first issued guidance for the use of the XXXX funds on XX/XX/XXXX. As an eligible entity that was approved to participate in XXXX, XXXX entered into a Financial Assistance Agreement with Treasury and received 10 % of California 's total allocation amount on XX/XX/XXXX.
Product: Debt collection

I moved into an apartment complex XXXX/XXXX/XXXX and was evicted for one month unrated rent the following year in XXXX. My rent was {$1200.00} a month I missed one month, I also had a security deposit of {$1600.00} ( although I know I was n't going to get my security deposit back ), a year later I decide to check my credit score and it stated that I was in debt with Kimball, Tirey & St. John LLC {$4000.00}. I had no idea about this was n't informed or contacted. I kept scrolling and saw that they had another collection out for {$500.00}. So I have two collection cases open now with this firm, one for {$4600.00} and the other for {$590.00}, over {$5000.00} in unexplained debt. They sent letters to my family members homes as well as my fiancee 's mother 's house saying they would take legal action if not paid but never explained why either account was so much and why two cases were open.
Product: Debt collection

on or before XX/XX/XXXX & XX/XX/XXXX XXXX XXXX has been contacting family members in an attempt to collect discharged debts. They have contacted my family members, elderly parents and my employer on multiple occasions regarding debts that have been discharged in my XXXX ch XXXX bankrupcy. They have not contacted me recently, however they have in the past. When they contact family members and my employer they have stated that my local sheriff department is looking for me to take me to jail. My family members are afraid of them. My employer is questioning my honesty. Their collection practices are illegal and criminal.
Product: Mortgage

Greetings : My name is XXXX XXXX. My mortgage loan is with Planet Home Lending. From XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  I was making a monthly Escrow payment of {$47.00}. When XX/XX/XXXXXXXX  arrives, Planet Home Lendig lowers the monthly Escrow payment to {$21.00}. The one that determined that amount to pay was the bank. 

When XX/XX/XXXXXXXX  arrives, they increase my payment to {$130.00} because they need to recover the money not paid by me. I contacted them on XX/XX/XXXXXXXX  to verify the account and find out what happened. They told me after two hours that what happened was a bank error. I tell them what the difference is and they tell me that it is {$1100.00} and I do not agree with that amount because every month there was a monthly contribution to Escrow and I understand from some calculations that it is not the correct amount. The bank staff tells me about the error but I have to pay for that error. 
I would like the reason for the Escrow problem to be investigated and why I am being billed for a larger amount than expected. 

I was never notified of the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my FTC complaint to Experian informing them of accounts that were not mine. Along with the FTC complaint I submitted supporting documents such as my ID and social. I have been informing Experian for months that they legally must remove the fraudulent accounts but they still continue to report the accounts. By law, I have the right to instruct what I want reporting on my consumer report 15 USC 1681b- permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other - ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
These accounts are NOT mine, they are fraudulent ( I have submitted multiple FTC reports ), and they must be removed from my credit report and file : 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 Experian sent an update after I submitted my written request dated XX/XX/2021, with them updating information on the XXXX account ( XXXX ) but not deleting it. It is now reporting as a charge off. Experian is breaking the law and ignoring, 1. My FTC complaint 2. Furnishing a report without my written consent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. NATLCRSYS / XXXX XXXX. XXXX / XXXX I do not recognize these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom it May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Address XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX  XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL, XXXX Phone Numbers- ( XXXX ) XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AccountsAccount Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX  XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Number XXXX Account Name XXXX  Account Number 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken . I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX Enclosures Proof of identity XXXX  documentation
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXX I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXX XXXX Apt XXXX XXXX GA, XXXX Please remove all the other addresses off my report XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING THESE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATION OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, XXXX XXXX
Product: Consumer Loan

Nissan Motor Acceptance Corporation was informed via certified mail on XXXX/XXXX/15 that our contact information was at our home address, telephone number and email. NMAC has harassed our parents, which was not authorized as a contact point. NMAC has been instructed no contact at our place of employment and to stop contacting our parents. NMAC continues to contact our parents. We are asking CFPB to enforce the no contact to our parents about our business relationship.
Product: Student loan

I have been in repayment of my student loan ( FFELP ) for 35 years. The loan has been serviced by Sallie Mae and by Navient, and was transferred to XXXX, effective XX/XX/XXXX. I have been enrolled in an income-based repayment plan for some time now, after I spent many, many years in either deferment or forbearance programs offered through Navient. I was guided into forbearance and deferment due to financial hardships but was never informed by Sallie Mae or Navient that other income based programs were available to me. I borrowed {$27000.00}, and the loan was consolidated in XXXX at 9 % interest. Over the past 35 years, I have repaid approximately {$82000.00} on the loan, but I still owe upwards of {$140000.00}. 
I am now XXXX XXXX XXXX, work for myself part-time as a social worker and collect social security. I have never been able to own my own home because of the debt I carry from my still-growing student loan debt. I hoped that I might qualify for some forgiveness but having a FFELP loan always complicated my attempts to enter a loan-forgiveness program, even when I applied to enter the loan forgiveness program around XXXX or XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but denied due to my having a FFELP. I contacted Navient to ask about loan forgiveness. I was sent an application to apply for the Public Service Loan Forgiveness program. I was told that I would have to have my loan refinanced and apply. I am self-employed and do not work for non-profits, the government or agency-setting that meets the criteria for the loan forgiveness program. Moreover, I do not want to re-finance a {$270000.00} that has ballooned to {$140000.00} That sad part, for me, is that I will die before this loan will ever be paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a presentation for a travel company in XXXX called XXXX XXXX. They took my financial information and opened a credit card in my name with XXXX XXXX  for {$10000.00} and immediately removed all the funds. XXXX XXXX  investigated and found it to be fraudulent and I was not responsible.Further, they sent a contract to a company which they own called XXXX XXXX XXXX and and demanded payment of {$32000.00}. I advised them that it was fraud and I was not paying them They attempted to collect from my XXXX credit card. XXXX blocked it. They then sent a report to the credit bureaus including Experian.I was able to contact XXXX XXXX and XXXX who placed a fraud alert on my credit report. XXXX Bank uses experian and put a negative report on my credit report. I contacted experian and they did nothing but keep the fraudulent report on my account. I attempted to contact experian but they made it impossible to correct my report and refused to remove the negative reporting.
Product: Mortgage

Our mortgage transferred to a new service provider around XX/XX/XXXX, prior to transferring in XX/XX/XXXX the Insurance changed and because of it the new provider was paid and the overage from the last insurance in the amount of {$2500.00} was mailed to me. I spoke with two reprentatives who adviced for me to keep that check until the escrow account was reanalyzed so that I would know the full amount to send in as I may need to send more than what was on the check. They both sent the account to be reanalyzed and after calling a third time I was told nothing changed with the insurance so they didn't reanalyze the account. I asked them about the shortage and why the entire escrow as a whole was not reanalyzed and the representative said a request was only made to review the insurance. They have asked for a new request which can take another 3 weeks meanwhile i'm overpaying to the escrow each month because no one on the phone can tell me what my escrow shortage is. How can a mortgage company not be able to analyze an escrow account and why do they make you wait 3 weeks and then on top of that ask the customer to call back and see if the account has already been reviewed. Everything about their escrow process seems very wrong. I asked for a supervisor was placed on hold for 20 minutes and then was told I would speak to a supervisor but instead was transferred to a voicemail of XXXX XXXX, who I'm sure will never call me back. I need my entire escrow account reanalyzed and I need to know what my escrow shortage is so that I can send that it in and the account can be reanalyzed and payment lowered as I am currently overpaying based on them not giving me those new figures. I've been dealing with this for 3 months now and think I have been more than patient.
Product: Debt collection

For well over a month I have received several calls daily from Nissan Infiniti Financial. 

Every day I have to delete their messages from my voicemail. I have never bought any car with any financing. I have a XXXX  XXXX which I bought 6 years ago used for cash. 
It is the frequency of the calls and the multiple times. I have on many occasions informed them I have no idea why they would be calling me. No one in my family has a Nissan or Infinity besides the XXXX  I own. They insist this is the number they have but do not have my name. I have had this same number for at least 10 years and it is only now that they have started this harassment. 

I am XXXX have XXXX XXXX XXXX and am on a XXXX XXXX. I can not take this any longer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report on today, XX/XX/XXXX with Credit Karma, XXXX, XXXX and noticed several unauthorized inquiries ; XXXX XXXX ( XX/XX/XXXX ), XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX Card Services ( XX/XX/XXXX ), XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX/ XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), and XXXX/XXXX  ( XX/XX/XXXX ) on my credit report and under 15 USC 1681 a number 3 . You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number 2. I never instructed you guys " Credit Karma '' to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all 10 Hard Inquiries off my report. Please furnish Credit Karma with the cfpb REPORT NUMBER. I have also noticed an influx of my credit score going down over the last 3 days without change. This has gravely impacted me emotionally, mentally, and my score has dropped denying me from accessing credit. I see Credit Karma denied the former complaint. However, if they are a reporting agency receiving information by third part via the credit bureau they should also gain my permission before posting.
Product: Credit reporting or other personal consumer reports

As I was checking my credit report, there's inquiries in it that I don't recognize which is very alarming, I did not authorize these nor given consent to the companies to pull up my credit report, it is stressing me out and making me XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX marked me late on a mortgage payment in XX/XX/2023. This is false. Please remove this immediately from my report or Ill have to take legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed are three different complaints to all 3 major credit bureaus EXPERIAN XXXX, and XXXX. Advising them that I a am a victim of Identity thief and that i have filed complaints with the proper authorities, enclosed is a copy of the disputes and the identity theft victims complaint affidavits,. I am request that all accounts that have been reported be deleted. The following accounts and inquiries are a fraud .... 

XXXX XXXX XXXX ACCT NO. XXXX XXXX  ACCT NO. XXXX XXXX XXXX ACCT NO. XXXX XXXX ACCT NO. XXXX XXXX ACCT NO. XXXX XXXX XXXX  ACCT NO. XXXX XXXX XXXX ACCT NO. XXXXXXXX XXXX  XXXX XXXX XXXX ACCT NO. ACCT NO. XXXX There are over 31 fraudulent inquiries on my credit report that must be deleted. 
In accordance with the FAIR CREDIT REPORTING ACT the following accounts and inquiries have violated my rights based on 15 U.S.C. 1681 SECTION 602 a. STATES I HAVE THE RIGHT TO P [ RIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 STATES A CONSUMERREPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

I have not authorized nor given any written instructions to have any one furnish these accounts on my behave.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three hard inquires reporting on my credit report that were not authorized by me. I have tried contacting the credit consumers to request for details about the reports but the company was unable to provide me with the information needed to confirm that the inquire were authorized by me. Two of the inquires are from the same company and were reported two days in a role which should have alerted the credit bureau as a red flag. Please see the details for the three inquires below. 

XXXX-XXXX XXXX, 2021 XXXXXXXX XXXX, 2021 XXXX XXXX XXXXXXXX XXXX, 2021