23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I found all of these fraudulent accounts and hard inquires that were fraudulent as well XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXXXXXX XXXX XXXX XXXX open on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Didnt receive a validation letter about this debt via mail or electronically.
Product: Checking or savings account

I have been having a hold on my usbank reliacard Since XX/XX/2020 I have called severally all I keep getting is the same answer in different ways I was told to fax my document to a fax number which I have done upto 5 times with no response from them I have my reliacard on hold I need help for them to remove my account From hold so as to be able to access my fund I never got no email back each time I try to talk to a representative I spend my whole day at home trying to make this call.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, account # XXXX has violated my rights.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish the account without my written instruction.

15 USC 1681 C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 S-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the TransUnion credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; 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
Product: Checking or savings account

XXXX XXXX Took 3 time the amount of {$39.00} out my account. Filed a dispute stating I closed this account with Chase. XXXX XXXX change the billing name then Try to charge my account two {$59.00} charges and a {$72.00} charge. I filed another complaint with chase. Both complaints were denied, and I contact Chase bank again and was told to contact the merchant. I contacted the merchant today and spoke with manager XXXX, the merchant denies charging my account the {$39.00} and stated it was only a charge of {$72.00}. I told him that was true, and I am trying to get the matter resolve. I was unsuccessful. I contacted Chase again to keep getting transfer with no help. I explain to Chase I would like to file a complaint and was disconnected.
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 : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2021 On XX/XX/2021 someone broke my gym lock at the XXXX  XXXX XXXX XXXX located in XXXX, MD. and stole XXXX credit cards and a debit card. I immediately reported the theft to the XXXX XXXX, Maryland Police Department where they opened a case number XXXX in order to investigate the theft. Since I did not have my phone with me I rushed home and was able to lock the XXXX credit cards. Then I called Chase and XXXX banks to report the theft. After reporting the thefts to the appropriate banks I noticed that there was a charge of {$290.00} at the XXXX XXXX next door to the XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX ( apparently at XXXX am about half an hour after the theft ). I called the XXXX store and spoke to the manager on duty and informed him of the theft and asked him if he could save the pictures of the individual making the purchase at the POS ). 

Within XXXX weeks of the theft I was contacted by a police officer named XXXX XXXX of the XXXX XXXX # XXXX. He had several questions regarding the theft and associated credit card numbers, at which time I informed him via email of relevant card numbers and the fact that a Chase Freedom Flex credit card with the numbers XXXX XXXX XXXX XXXX was in fact used at the XXXX XXXX next door for a purchase of {$290.00}. In a subsequent email officer XXXX verified that he had gone to the XXXX and verified footage of the individual making the unauthorized purchase using my credit card for a debit card whjch the individual later used in Florida. 

I had to go overseas on a personal business trip on XX/XX/2021 and upon my return I was shocked to learn that Chase Fraud Prevention Department had sent me a letter stating that I had benefitted from the purchase at the CVS Pharmacy and accusing me of lying about the whole ordeal without supplying any evidence to support their accusation. They had reinstated a charge of {$290.00} on my credit card charges due on XX/XX/2021 victimizing me for a second time. I called the Chase Fraud Prevention Department several times over a span of a week and they accused me of lying about the whole ordeal and that they were sure that I had been in possession of the stolen credit cards the whole time. I asked for their evidence concerning their accusations and they could not provide any. They asked me for any supporting documents related to the thefts and I emailed the communications I had with police officer XXXX. I asked them to at least temporarily suspend their demand of the fraudulent charge of {$290.00} while they investigated this whole matter and they adamantly refused. Therefore I find myself victimized again this time by the bank and am wondering where is the promise of zero responsibility for fraudulent charges that were promised to me which were one of the main reasons I applied for this credit card in the first place. All I can say after being subjected to some very brutal treatment by Chase Bank and their Fraud Prevention Department and their total lack of compassion for their card holders that this bank does not deserve my business and respect. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts that are reporting in error on my credit report. I have sent several dispute letters in the last 7 months to have the accounts removed from my credit report. XXXX Experian and XXXX have failed to validate all items reporting on my credit reports. The dates, I mailed in disputes are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX, Experian and XXXX have all my the fair credit reporting act. I want all items deleted.
Product: Debt collection

I filed a police report, filed a complaint on identity theft, placed identity theft with XXXX, XXXX and XXXX that this debt was not mine and that my identity had been misused. XXXX XXXX has continued to place with collection agencies after I personally notified in writing and called.
Product: Student loan

Aidvantage posted my full student loan repayment in XX/XX/2024 totaling {$28000.00} but my payment through my bank was {$33000.00}. I have tried contacting them several times and got confirmation from XXXX XXXX at Aidvantage that {$5000.00} is owed to me back. 
I have sent Aidvantage my bank statements twice.
Product: Checking or savings account

The bank behind Simple ( a mobile, online-only banking service ) is XXXX and they shut down the Simple product yesterday after months and months of emails about Simple customers needing to prepare for XX/XX/XXXX, when the conversion would happen and, presumably, we'd be migrated to XXXX clients and able to activate our online accounts. Not only did they botch the conversion process, but most Simple customers have been unable to activate their accountand, hence, unable to monitor or move their moneyfor more than XXXX XXXX now. They never sent a follow up email with further instructions, instead relying on XXXX posts as their communication. They said today, XX/XX/XXXX ( SUNDAY, XXXX XXXX XXXX, we needed to call into the call center between XXXX and XXXX CST to get help. When we do, either we never reach a rep and it disconnects, or we reach a rep who gives their introduction, immediately says they can't hear us, then disconnects. I've even started with, " I know you can hear me, '' to which the person immediately disconnected the line. Someone could be using my card, spending all my money right now and I'd have NO IDEA. I have NO VISIBILITY into my account.
Product: Credit card

We paid our bill to American Express in XXXX ( the total balance due which we pay every month ). We paid through our bill-pay service with XXXX XXXX XXXX Bank XXXX They sent the payment electronically to American Express. American Express claims they never received the payment. We have provided 100 % of the documentation that they have requested multiple times including but not limited to having XXXX XXXX XXXX Management speak directly to American Express Supervisors. As a consumer we are out of options. XXXX can not reverse an electronic payment. American Express won't admit that they applied our payment to someone else 's account. XXXX has no legal representation for clients whose bill payments are denied by 3rd parties. American Express is giving us no further options other than to pay them {$2400.00} AGAIN. 

Why is it the consumer 's fault if American Express lost a payment? We can prove the payment went to them. Why is it our fault that they lost it? 

This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

requested validation of items on my consumer report which is within my right to know exactly what is being used to report and instead of doing what was requested i was sent stall letters and no results ever followed i can fill out a complaint once a month and they are gon na still senf the CFPB the same generic response in order to not follow up with what needs to be done for consumers
Product: Mortgage

The short sale was approved by Chase on XX/XX/XXXX. Settlement was scheduled originally for XX/XX/XXXX. The documents were submitted to Chase for HUD approval on XX/XX/XXXX. The closer did not respond or even review the documents until the day before settlement ( XX/XX/XXXX ). Upon reviewing the information the closer advised that he could not get HUD approval in time for settlement and that he was backed up on other HUD approvals. He advised we reschedule settlement for the XX/XX/XXXX or XX/XX/XXXX. 

Settlement was rescheduled for the XX/XX/XXXX, ( today ). The HUD approval documents were resubmitted the morning of XX/XX/XXXX, giving a full 3 business days for review and approval as instructed in the short sale approval letter. HUD approval has still not been issued. In speaking with the Chase escalations department, there is nothing they can do and several files are backed up. I was advised to cancel settlement and wait for a response from the short sale department. 

The short sale approval letter expires tomorrow. Chase is not handling this file properly and we are going to lose a buyer. This home will end up in foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Fully Closed and finalized my mortgage XX/XX/XXXX XXXX XXXX is the provider of my mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX was the new holder and provider of my mortgage. 

Between XX/XX/XXXX - XX/XX/XXXX I made over 100 phone calls week by week explaining that I want this Mortgage to show up on my Consumer Credit Reports within XXXX, XXXX XXXX TransUnion. They promised it would show up on my Consumer Credit Reports over the phone each and every time. They lied to me each and ever time. It is now XX/XX/XXXX and there is no record of the mortgage on any of my Three ( 3 ) Consumer Credit Reports.
Product: Credit reporting or other personal consumer reports

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 : CFPB, XXXX, Equifax and XXXX I am writing to have this derogatory reporting removed from my credit report. This account is listed as a charge off. A charge off is considered a certificate of indebtedness. It also means it is income and income can not be reported to my credit report. Please refer to IRS Publication 4681 attached.

I also did not give you the credit reporting agency consent to disclose derogatory information that has prevented me from getting credit. I was not given the non- disclosure option and the right to opt out per 15 USC 6801-Protection of non public personal information,15 USC 6802- Obligations with respect to disclosures of personal information Per CFR 313.7. I was also not given adequate notice as the consumer to opt out of the reporting.

Again, a charge off is a certificate of indebtedness which is income and income can not be reported on my credit report. I am requesting that the item be deleted from the report. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

We have done exactly as our loan officer requested to ensure the loan on our first home purchase was processed as this was his area of expertise. From the begining there had been several inconsistencies- in the beginning he advised us to take out other lines of credit, thank goodness we followed our instincts and delayed this tasks because the next week we were being advised our debt income ratio is too high. Each time we completed XXXX task another issue arises. If we would have been advised each time that there was still other pending issues things such as getting married before our scheduled wedding date-adding extra expenses to our household we would have reconsidered utilizing their services. We later found out getting married was not mandatory just required less paperwork on his part. We have come to the point that his requests/bullying have costs people their jobs. He pushed that we produce a letter that explains my husbands employment during our transition. We both informed him he would continue to live in XXXX XXXX while I and our children relocated to our new home until a position with stable and suitable income was locked in. He advised us this would not be acceptable and for us to have 'someone ' in my husband 's HR department produce a letter that stated that he would continue to work at his current company remotely while he relocates to XXXX-knowing this was a not the case. He continually assured us it would not be confirmed or followed up on so we need n't worry and without this letter we would not get the loan approved so we begrudgingly did as he advised. Needless to say it was and now my husband and the HR rep were terminated. This type of behavior and advice to clients is unethical and will not be tolerated. He has single handedly put XXXX families in a situation where they have lost the means to support their family. We have lost our families income plus our savings we have used as the earnest deposit- which bieng a VA loan was to be returned to us after closing. Our family was placed in a dire situation.
Product: Debt collection

I have been asked to pay a debt for {$280.00} to original creditor XXXX XXXX XXXX  current owner Midland Funding LLC original account # XXXX, McM  account # XXXX. 

I have been asking Midland Funding LLC to provided me with proof of the charges that were incurred in 2016. My request has fallen on deaf ears. I have not received the information requested as of now. 

I feel that I am being harassed to provide this payment without knowing what product/service was purchased in 2016. I am receiving a bill each month requesting payment which I will not pay until I am shown proof of what was purchased by me. I also received daily phone calls from Midland Funding at my home and place of business requesting payment. 

XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 
XXXX TransUnion Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXX ( Original Creditor : XXXX XXXX BANK ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to Cushman v Transunion 1997, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. XXXX XXXX Date Opened : XX/XX/2016 XXXX XXXX : {$0.00}
Product: Student loan

In my previous complaint for ACS student loans Case number : XXXX, the company responded asking for a copy of a cashed check, which shows the company is trying to delay this issue to gain time and put my account on late charges. ACS has been withdrawing payments from my account for the past 5 years, so for them to ask for checks shows the internal problems this company has and the need for a governmental audit for fraudulent actions. I already submitted as requested the bank statement and that shows clearly the withdrawn twice done on XX/XX/2015 
Second the company never adressed the question of the interest rate charged to my account and the changes they made.