23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We purchased an apartment XXXX in an apartment complex named XXXX and received a loan from JP Morgan Chase Bank in XXXX. We have been paying the mortgage through the up and down of the market, including the financial crash in XXXX without even being late on any payment. After the crash, I contacted the bank and tried to see if there is a way we could refinance then, but was told that I have stop my payment before the bank would even talk to me, which would result in ruining my credit. I refused to do so. 

In XXXX I tried to refinance the mortgage through XXXX, a mortgage broker. After submitting monthly statements of my personal and business account for over a year, I gave up as it was n't going anywhere. I contacted Chase Bank directly in XXXX and submitted all the required documentation. They checked my credit XXXX and sent me a copy of their report indicating that my credit score is XXXX. However, after 3 months of checking everything, I was told that my application was rejected due to the XXXX credit report. I do n't know since when credit report of XXXX is ground for rejecting refinancing a loan that the same bank also has a10 years of payment history. 

On XXXX our payment will be 3 times as much and PJ Morgan knowing that we would do anything to keep our credit clean, they want to charge us 3 times as much on the loan that they have a 10 years history of payment rather than refinancing the loan for us. 

To us this is an unfair practice and would like to know what are our rights in this process and what it is that your office can do.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to remove multiple unauthorized hard inquiries from my credit report, despite my previous dispute request. Both XXXX and XXXX have already investigated and removed these inquiries, but TransUnion refuses to do so, causing inaccurate and unfair reporting. 

I have attempted to resolve this issue directly with TransUnion, submitting my dispute with proper supporting documentation, including a copy of my ID and proof of address. However, despite providing no proof of my authorization, TransUnion has failed to correct the inaccuracies, violating the Fair Credit Reporting Act ( FCRA ). 

XXXX. Timeline of My Attempts to Resolve the Issue First Dispute Sent : XX/XX/XXXX I submitted a formal dispute to TransUnion via mail and phone, requesting the removal of unauthorized inquiries. 
I attached a copy of my credit report, highlighting the disputed inquiries, along with my ID and proof of address. 
Response from TransUnion : This items are accurate TransUnion failed to remove the inquiries, claiming they were valid without providing any proof of my authorization. 
Second Dispute Sent : XX/XX/XXXX I sent a second dispute request, again asking for verification or removal. 
XXXX and XXXX both deleted these inquiries, but TransUnion continues to report them. 
Current Status : These unauthorized inquiries remain on my TransUnion report, negatively impacting my XXXX XXXX and violating FCRA laws. 

XXXX. Unauthorized Hard Inquiries Listed Below ( For Removal ) Despite my previous dispute, TransUnion has failed to remove the following inquiries : XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX OF XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XXXX XXXX, XXXX XXXX. XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. FCRA Violations by TransUnion FCRA 1681b No Permissible Purpose : I never authorized these inquiries, nor did I apply for credit with these companies. 
XXXX and XXXX both removed the inquiries, proving XXXX failure to maintain accuracy. 
FCRA 1681i Failure to Reinvestigate & Correct Inaccurate Information : I provided evidence that these inquiries were unauthorized, yet TransUnion failed to conduct a proper reinvestigation. 
FCRA 1681e ( b ) Inconsistent Credit Reporting Across Bureaus : Credit reports must be consistent across all major bureaus unless proven otherwise. 
Since XXXX and XXXX removed the inquiries, TransUnion is reporting inaccurate and misleading information, damaging my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items on my credit report that are not accurate. I have written letters to dispute them and I receive stall letters from Experian stating that the letters did not come from me. 

With each letter, I provide my identification and utility bill as proof of my identity. 

I then tried to file a dispute online. My access to online disputing has been blocked. 

I call in to speak to a representative to do the dispute and am told that I can dispute an address because it's associated with an account. 

Experien is doing everything they can to deter me from removing an incorrect address and the accounts associated with it. 

I also provided them with a police report confirming I have been a victim of fraud. They said the police report doesn't list the specific address. On the date that my personal effects were stolen, how would I know what addresses/accounts the thieves would open in the future? I have been gettng the run around for over 7 months.
Product: Mortgage

We purchased our home in XX/XX/XXXX. I received my escrow analysis for the new year and received a surplus of {$2100.00} but the payment is going up starting in XX/XX/XXXX, from {$3500.00} to now {$3800.00}. For some reason Freedom Mortgage paid {$320.00} to the county on XX/XX/XXXX. I spoke with the county and they have no record of this and in XXXX had no tax bill on the property because it was newly built, there was nothing owed. The mortgage company is projecting I will owe {$6400.00} in XXXX which is not correct from my discussion with the county. I spoke with the county and based off my assessed value of {$83000.00}. I will only owe {$83000.00} / XXXX * XXXX = {$2200.00} in county taxes. How can this be rectified? Are they allowed to pull and hold this much in escrow?
Product: Mortgage

The mortgage received the payoff account XXXX, and right after I involved the CFPB, they said it was a mistake elapse payment and they will fix the problem It turns out the mortgage caused ( XXXX  deeds ) the problem to special master fraudulently sold the house without my consent. Under the constitutional laws and implementation regulation per said our General laws in Massachusetts states ; only and it will be legal for sale if the original owner sign an agreements with terms and condition it will be possible to passing the ownership to the new owner title deeds, otherwise is not or I cant accept the new deeds Also, the price for the sold it was devalue my property and isnt relate to the actual market value and its a huge difference or is substantial margin of the monies loss and is due of illegally malpractices and unusual cruel punishments Ill submite the reproduce the new fraud deeds under the pages
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few months, XX/XX/XXXX to be exact I have not been able to pull my XXXX Credit Report from Equifax which I am entitled to through the XXXX XXXX XXXX XXXX I subscribe to. In addition this issue, I am now not able to lock/unlock my Equifax Credit Report which is another benefit that is included in the product I subscribe to. This has caused me a great deal of grief which has escalated because every time I have called I have been asked to give them another 24 to 72 hours to resolve which in itself would is not that bad ; however, we are 4 months into this and not once has anyone from Equifax called me to say that we are still working on the issue ; called at least ten times with the first call being made on XX/XX/XXXX and the most recent calls where on XX/XX/XXXX, XX/XX/XXXX and again this morning. On yesterday I just asked that they unlike my file so that I could submit and application and was assured that it was unlocked but of course that was not the case. I would just like to get this problem resolved, considering I have been paying monthly for a service that I not receiving.
Product: Credit card

I am filing this complaint against Chase Bank for failing to conduct a proper investigation & violating my rights under the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ) & Regulation Z ( 12 C.F.R. 226.12 ( b ) ).

Ive disputed multiple unauthorized transactions on my Chase Business Credit Card ( Ending in XXXX ) due to fraudulent use resulting from a stolen or duplicated card. On XX/XX/year> I formally notified Chase Bank of these unauthorized charges and provided all necessary supporting documents, including a detailed dispute letter, account statement highlighting fraudulent transactions, and a request for immediate reversal of charges. 

Despite my clear dispute and legal protections, Chase : Failed to conduct a thorough investigation into the fraudulent transactions. 
Refused to issue a chargeback or provisional credit within the legally required timeframe. 
Did not restore my full credit limit, which is negatively impacting my business operations. 
Allowed fraudulent transactions to remain on my account, causing financial harm. 
Details of the Unauthorized Transactions Air Conditioning XXXX XXXX XXXXXXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXXL {$2500.00} XXXX XXXX XXXX {$3100.00} XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$5000.00} Other Unauthorized Charges Include : XXXX & XXXX Expenses ( Airlines, Parking, Travel Insurance ) Dining & Entertainment ( Restaurants, Ticket Purchases ) Retail & Shopping ( Department Stores , Online Shopping ) Gas & Utilities ( Fuel Charges, Phone Bill Payments ) The full list of disputed transactions is attached for review. 

Legal Basis for My Complaint : Violation of the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ) Under FCBA, credit card issuers must investigate billing disputes within 30 days and resolve them within two billing cycles ( but no more than 90 days ). Chase failed to properly investigate or issue chargebacks, violating these protections.

Violation of Regulation Z ( 12 C.F.R. 226.12 ( b ) ) Chase is required to provide a provisional credit if the investigation exceeds 10 business days. They failed to do so. 
Breach of Consumer Rights Under XXXX Chargeback Code 10.4 Chase ignored my rights under XXXX Chargeback Code 10.4, which protects consumers from fraudulent transactions due to lost, stolen, or duplicated cards. 
Negligence in XXXX XXXX XXXX Account XXXX Chase failed to detect high-risk transactions and allowed unauthorized purchases to be processed, despite clear indications of fraud.
Product: Credit card or prepaid card

We transferred funds from our XXXX  checking account to our Citi ( COSTCO ) Visa account to pay our monthly bill of {$400.00} but mistakenly transferred {$40000.00}. Post date XX/XX/XXXX. Discovered the errorXX/XX/XXXX. 
Called Citi Bank XX/XX/XXXX 
1. ) XXXX Spoke to XXXX ( XXXX XXXX ) who told me NO WAY to electronic transfer {$39.00} back to XXXX  because no record that bank account in their records. THIS WAS A LIE! SHE REFUSED TO GIVE ME HER COMPLETE NAME OR LOCATION! Would have to send us a check in the mail. I don't want to risk a check this large in the mail. Her story changed every time she told me what could be done & the time frame. Asked to speak to a supervisor. She said she would get one & put me on hold. Eventually I was disconnected. 
2. ) XXXX Called back, Spoke with XXXX. Identical situation. 
3. ) XXXX Called back, Spoke with XXXX. Identical situation BUT she did connect me with XXXX, a supervisor. XXXX refused to provide last name, location or employee #. Very convenient! Did say she was in XXXX Florida and they had a XXXX XXXX. She investigated and told me that they actually DID HAVE all the XXXX  info & would process an electronic funds transfer but it would take several weeks. I don't understand why it will take that long & I NEED THE MONEY NOW! It was transferred to them instantaneously. In light of all the misinformation from Citi, I DO NOT TRUST them. 
Their Complaint??? ID # is XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I sent EdFinancial six emails on XX/XX/. The six emails were similar to each other. I have instead received an email today ( XX/XX/XXXX  ) designed to waste my time. The insulting letter states your life may have changed since the last time you made a student loan payment, wherein EdFinancial is blaming me by making an anti-science reference to destiny or chaos theory, for what is their own fault in misappropriating the money I have sent them. This is harassment from EdFinancial. 

EdFinancial, in my online payment platform, alleges the following loan and these four details : 1-04 Direct Loan - Unsubsidized Loan Status Repayment Estimated Payoff Date XXXXXXXX  {$94.00}. 

However, I have paid {$70.00} towards this loan. EdFinancial acknowledges receipt of the {$70.00}, but refuses to apply it to this loan. I specified this exact loan group when making a payment. EdFinancial also confirmed that I have the ability to specify a specific loan for payment. I have selected this group for payment as it has the highest interest rate, and paying this group would send the ( alleged ) loan balance for this group down to between {$10.00} ~ {$25.00}, contingent on some other problems. 

I have selected Keep getting calls about your loan as I had no way to indicate email harassment in the CFPBs list of options.
Product: Debt collection

Credit Acceptance sold the fraudulant debt to a law firm that has been harassing me and the so called evidence is inaccurate and they have been trying to expedite the motion Order of entering default judgement and I have been talking with representatives of the the firm who have been telling me I had no choice but to pay them {$2000.00} and {$2500.00} in lawyer fees. Plus they have been sending tons of letters and paperwork trying to scare me in to thinking they will are trying to seed this case up without my ability to respond or request a proper due process. The information they have on file is so inaccurate and no proof of claim. I sent a letter requesting the original contract, because this false contract they have recorded in the motion shows no proof of signatures, the interest rate is criminal which shows they were trying to charge me {$19000.00} for a {$15000.00} car. They were sued by the XXXX XXXX XXXX XXXX  XXXX XXXX for this very criminal action, and her office sent me a copy of all the filings recorded with the CFPB. Plus they claimed I missed two payment that was over three years old and if that was the case they never notified me of the issue. I was told that I had to do autopay of which Credit Acceptance Co. debited all my payments each month for over four years from my checking account. The reason why I know they are fraudulant. The proof on my end is that I suffered a XXXX XXXX XXXX XXXX  and had to file a hardship that I law firm help me reduce the debt I was in and all the account that I was having issues with or needed to negotiate the firm did a thorough check on my report and accounts that I would not be able to maintain. They did not see I had an issue with Credit Acceptance and yet I call Credit Acceptance over three years after I did that they all of a sudden tell me I owed {$9000.00} in payments in the principle of the loan. I ask them for proof and they never sent the information I requested. I filed a complaint with the XXXX XXXX in NJ and they repossessed my car when the XXXX XXXX contacted them. They they were harassing me and made threats. It was funny how they were a loan company and collection agency all in one. These people have been such monsters and are using the court to protect their actions. They last representative spoke to at the Law firm told me I don't have any rights if you don't pay your bills. I told them not to contact me again and they have been sending letters and these massive envelops with threat papers showing they are trying to make look like I am being delincquent for a debt that is not accurate and doesn't show the right information that will show they are the bad actors and stole over {$16000.00} from me.
Product: Vehicle loan or lease

I see by your articles in your page that I am not the only one that struggled with Credit Acceptance. That car was overpriced and I struggled from day one. I lost my job and went downhill from there. Three weeks ago the repossesed it and said i had to pay {$9000.00} to get it back and keep the monthly payments. Now I will have a repo on my credit. And Im a XXXX XXXX doing XXXX to survive. I just wanted to add my story to your file. I know it's been a while since you printed that. It was a XXXX XXXX XXXX And ... ... ..it was reposessed on a street I rarely visit. How did they know it was there? I always wondered that.
Product: Checking or savings account

I had a Checking account with Chase Bank- Someone hacked into my account and made about 23 false claims. Once the claims were placed Chase without question reversed all the payments, which increased my bank account balance. The hackers then took the money out of the bank account through my XXXX XXXX account, which is linked to my bank, which they also hacked into and sent the money to about 5 people. 
Chase told me they were not responsible and to talk to XXXXXXXX XXXX. XXXX XXXX denied my claim for no good reason but because it looks like i made the transactions. But it was my account so of course it looks that way. 
I feel chase is responsible for this because it started with my bank account. How is any random person able to make false claims on monthly payments that I make to, Rent, Car payment, XXXX XXXXXXXX XXXX, credit card payments. Chase said claims can go back as far as 2 years. Thats ridiculous! They need a better system especially on claims for monthly payments- these should be flagged immediately. the total of this money was about {$13000.00}. I now had to pay back all my creditors this money which i do not have. I am not in a financial hardship. Its hard enough being a single mom and now this!!! 
I hope you can help me
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union regarding their mishandling of a fraud incident on my account that resulted in a financial loss of {$1100.00}. 

On XX/XX/XXXX I received a phone call from an individual impersonating Navy Feds fraud department. This individual had access to my past transaction history and instructed me to transfer funds due to alleged fraudulent activity.

Shortly after, I was locked out of my account. When I contacted Navy Feds customer service, a representative confirmed that my account had been compromised and guided me through security changes.

I later discovered that the fraudster had filed unauthorized disputes before contacting me. I had never previously filed disputes on my account.

After visiting a Navy Fed branch, I filed my first legitimate dispute, which was initially approved but then reversed without notice. 
I submitted a formal appeal on XX/XX/XXXX, and only received notification of its denial on XX/XX/XXXX. Navy Fed failed to provide a clear explanation for the denial. Despite Navy Feds own fraud department acknowledging the account compromise, they have refused to return my stolen funds. This demonstrates a failure to properly investigate and protect my account.
Product: Credit reporting or other personal consumer reports

I have for years ask XXXX by phone to remove the he false advertisement that illegal XXXXXXXX XXXX mortgage scam XXXX XXXX XXXX fake XXXX XXXX and both XXXX on your records whereas century XXXX and XXXX XXXX XXXX XXXX claiming a sale for my property occurred XX/XX/XXXX for XXXX where as his corrupt attorney XXXX XXXX XXXX XXXX says they purchased on XX/XX/XXXX for XXXX and convinced judge XXXX XXXX XXXX XXXX XXXX XXXX did. I file grievance against her as XXXX XXXX XXXXXXXX pending since XX/XX/XXXX. He also cash two escrow account checks in my name one on 3XX/XX/XXXX and one was Mail out XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX said a guy name XXXX XXXX are lying saying XXXX XXXX has clear title but are no clear title in the file for loan XXXX. LexisNexis concluded tradelines chase bank resolve XX/XX/XXXX. Other false information by XXXX XXXX on loans and the courts included he used two fake titles one as computer professor at schoolcraft college and doctor in XXXX to which both I reported and he got fired. Also to XXXX XXXX are informed by chase identity theft department XXXX XXXX XX/XX/XXXX that he stole my identity and he assigned claim XXXX and I reported the stolen checks to XXXX police as XXXX to det. XXXX XXXX XXXX.
Product: Checking or savings account

At the child get together my phone and wallet along with my sons cash app card and my other cards used to fraud and steel money were taken, then on XXXX XXXX XXXX. {$300.00}, XXXX XXXX XXXX {$530.00}, XXXX XXXX XXXX. {$200.00}, XXXX XXXX XXXX. {$200.00}, XXXX XXXX XXXX {$200.00}, XXXX XXXX XXXX {$200.00}, XXXX XXXX XXXX {$200.00}, XXXX XXXX XXXX. {$200.00}, XX/XX/XXXX XXXX XXXX. {$300.00}, XXXX XXXX XXXX. {$1000.00}, XXXX XXXX XXXX. {$33.00}, XXXX XXXX XXXX {$300.00}, XX/XX/XXXX XXXX XXXX. {$200.00}, XXXX XXXX XXXX. {$800.00}, I wrote both companies providers Card by XXXXXXXX XXXX and cash app. The said the saw no error. But my son was smart and finally logged us back into the apps, we regained access and saw the fraud. We told cash app that the fraudsters texted support acting as if they were my child to raise the withdrawal limits to take more funds.Cash app left the routing and account numbers on my kids account the same and the debit card numbers the same after knowing of the fraud. It is being disputed and appealed again.