23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chase Freedom Credit Card offers protection in the event that a trip is interrupted due to an emergency when you use their card to travel according to the " Guide of Benefits XXXX ''. 
I have purchased airline tickets for me and my family with the Chase Freedom credit card and due to a medical emergency, I was forced to cancel the trip. After submitting all the required documentation to the " eclaim '' department, the claim was denied wit no enough explanation. 
Claim number XXXX.
Product: Debt collection

Representative XXXX XXXX from Grant & Weber collections was repetitively mailing me and when speaking to me on the phone made abusive statements. XXXX XXXX used phrases like, " Only criminals don't pay, '' and " Anyone who owes money knows what they did wrong. '' Grant & Weber began mailing me around XX/XX/2019 claiming that I owed {$990.00} in medical bills from XXXX XXXX. I contacted my insurance at the time, XXXX XXXX XXXX and they confirmed with me that the services were covered and they would pay the bill. They then contacted Grant & Weber to inform them to stop harassing me and stop contacting me. 

I then had to call XXXX XXXX again in a month to verify the bill had been paid. I again received the same aggressive and abusive tone, and XXXX XXXX implied that this bill would ruin my credit. I made a complaint about this. 

I am now looking at a recent copy of my credit report and this collection from Grant & Weber is still here, even though it was confirmed as fully paid. I believe I am being retaliated against by Grant & Weber for filing complaints. I feel like my rights are being violated and illegal collections are being imposed on me.
Product: Mortgage

We initially filed a complaint with the Consumer Finance Protection Bureau on XX/XX/XXXX regarding our disaster modification to which we received a response from XXXX XXXX XXXX on XX/XX/XXXX informing us that the late fees assessed were removed and future late fees would not be assessed. Additionally, we were told that the forbearance would continue through the end of XX/XX/XXXX at which time the disaster loan modification would be processed and that an application would not be required. 
The dealing with Freedom on this disaster modification has gone from a comedy of errors to negligence and incompetency to gross negligence. 
On XX/XX/XXXX we received a letter dated XX/XX/XXXX from Freedom Mortgage informing us that as a result of RESPA and the 60-day rule that Freedom would report our account as delinquent onXX/XX/XXXX. I  immediately telephoned Freedom and after not getting a resolution, I asked to speak to someone in the escalation department and was told that I have been assigned a Single Point of Contact and that because I was current on the mortgage prior to the disaster, that in accordance with Mortgagee Letter XX/XX/XXXX issued by HUD it was a straight forward process and should be resolved within 2 weeks and the reporting would not be an issue. 
In reviewing our credit report, Freedom reported to the various credit agencies as the mortgage as being delinquent on XX/XX/XXXX ; a violation of RESPA requirement stated in their XX/XX/XXXX letter. 
Over the course of the last 4 months we have telephoned Freedom over 20 times, only to be told we need to resubmit the same material we have been submitting since XX/XX/XXXX. 
I called Freedom again last week and was told that before I can have the disaster modification I need to complete a trial period. This too was incorrect information provided, for one, we have been paying the mortgage, and secondly as stipulated in HUD Mortgagee Letter XX/XX/XXXX, a Trial Payment Plan ( TPP ) is not required before completion of a Disaster Rate and Term Loan Modification or a Disaster Standalone Partial Claim for a Borrower who was current or less than 30 days past due as of the date of the applicable Disaster Declaration. 
Quite frankly, it is clear to me that Freedom has no idea what is going on or what to do, even though HUD has clearly outlined the policy. As a result, they are now reporting a delinquency to the credit agencies, won't return a phone call to address the issue, and fail to finalize the disaster modification. As a result of Freedoms gross negligence, this negative reporting is now causing issues professionally. In addition to this complaint I am also filing a complaint with the Florida Office of Financial Regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

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 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. 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.
Product: Debt collection

Contacted by voicemail from an unknown caller on XX/XX/XXXX from a woman who claimed to be with the XXXX XXXX County Processors office to call a # regarding a debt being collected. Called # left in voicemail and was directed to XXXX XXXX of XXXX and XXXX who advised that my husband and I owed over {$2000.00} from a charged off account from Wells Fargo fromXX/XX/XXXX. I called Wells Fargo to verify the claim and they could not validate this claim. When I called XXXX back at about XXXX I requested that he please provide me with the supporting information for this supposed debt he refused to provide such information but stated that it would be revealed in court! I called the courthouse just after we hung up and gave them all of this information and they advised that it sounds like a scam! The telephone # provided for this company is XXXX
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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXXXXXX 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 CREDIT BUREAU 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: Mortgage

citimortgage modified a mortgage for my exhusband on a note we were jointly liable for. The modification extends the repayment terms - modifying the note from 30 to 45 years. 
My signature and name are not on the loan mod. I was not a party to it. However, XXXX still considers me liable, and my exhusband 's poor payment history continues to be reported on my credit.
Product: Debt collection

To whom it may concern:I’m writing to complain about XXXX XXXX or XXXX XXXX XXXX XXXX. I’m sending proof of a payment done on XX/XX/2015 to XXXX XXXX in that time for XXXX dollars. I’ve had emails with the manager XXXX XXXX asking many time to contact sure deposit to clear this debt with no answer of them at all(XXXX). Now I’ve been contacting both agencies to clear this of my credit report, the answer of them is they have to wait to hear from XXXX XXXX to take out that from my record. I'm sending images of emails with manager XXXX(Spanish) and mails XXXX  manager from XXXX XXXX XXXX XXXX.I would appreciate a response from you in writing. Please let me know how to proceed, what need to be done to get this fix. Thank you for your assistance,Sincerely,
Product: Mortgage

I have paid my mortgage down to 78 % of the home 's original value. The lender should remove my mortgage insurance automatically. The lender is telling me that I need to get an appraisal done. I should not need an appraisal. They will not allow me to speak to the person making the decision. Specialized Loan Servicing. Not very specialized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate and unauthorized inquiries on my credit report. I have called and contacted Transunion multiple times by fax, email, US Mail, and telephone. The Transunion rep told me that the inquiries would only be there for two years which is not a long time in her opinion
Product: Credit reporting or other personal consumer reports

Over the last few months, Ive tried to purchase a car from the car dealership, Carvana online. With that said, at the very end of the process, when you purchasing a vehicle leasing it, or paying out right for it, he received prompts that indicate that Carvana would like to verify your banking information. With that said, the methods by which they verify the account is not the methods any consumer has authorized they flat out, lie and deceive, and on their checkout page and thats unacceptable. When a consumer purchases or leases or finances of vehicle from Carvana, when they are prompted to put their banking information in. They are also told that a verification check would be done through a consumer credit reporting agency. Their credit reporting agency is experience, however, that is not what they do when it comes to verifying an account. Ive brought this to their attention, and they immediately hung up on me, and refused to do business, and hence the complaint. On the last purchase page where you finalize your purchase or finance or lease with Carvana and ask you to verify your account well the wording authorization wording that is given is as follows. 

By clicking " Verify My Account, '' I give Carvana written consent to verify the account I provided by obtaining a consumer report from a consumer reporting agency. 

This is disclaimer verbiage directly from the Carvana website. Despite the disclaimer, that is not what Carvana does in verifying accounts. Carvana uses XXXX and requires the consumer to link their financial account. This is not what I and countless. Others have given an authorization to. Following the statement above, I authorized Carvana to use XXXX, XXXX, or XXXX XXXX to verify my banking information not link a third party company named Plaid to verify my purchase. Furthermore, Carvana also states that they will give micro deposit into your the manually added bank account, and then instructed to come back and verify after I link it with plaid. None of this is used in the verbiage disclaimer, and I authorize none of it, this is illegal and a major privacy policy issue, and concern! I tried to bring it to with Carvanas attention and like I stated earlier they have hung up on me, or Im told I am over thinking it subsequently dismissing my legitimate privacy policy concern and issue. I dont mind somebody peering into my financial health. What I do mind, is, despite the wording verbiage presented as the authorization disclaimer ; that is not what Carvana does, not even remotely close. Carvana applies deceptive tactics and intentionally trys to deceive the customer. Furthermore, why does a person have to use XXXX and why is it required to use XXXX, in manual uploading of the bank information to purchase a car? 
I that is what was said in the authorization disclaimer, that would be a different story ; but its not in. It has never said that.
Product: Checking or savings account

I was in an automobile accident on XX/XX/2019 and because of my injuries I was out of work for several weeks. since I was not working during that time, my account went negative because my bills were on auto-pay. I was in the process of getting a personal loan to help get my account out of the negative and to have an extra cushion for my upcoming bills when out of nowhere and without warning my account with JP Morgan Chase was closed. Ive been a customer with them for 7 years and they refused to give me any information as to why they closed my account. And now, because of this closure, I am being blocked from opening any new account. I feel as though I am in a nightmare, not only was I in a horrific car accident, but now my bank is putting me in an even worse situation.
Product: Prepaid card

I won a {$500.00} dollar gift card I can use anywhere. I would like a physical card reissued, or the amount sent in a check.
Product: Debt collection

I have two inaccurate accounts on my credit report for TPLS Inc. The dealership name is Auto Master, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and their phone number is XXXX. 

I voluntary surrendered both vehicles with the company in XXXX. One vehicle I was a co-signer for and the other was solely in my name. This company decided to report these account after I surrendered the vehicle and they also included false information. I surrendered both vehicles however they placed on my credit that I was still making payments on the after the vehicles were in their possession. This is for false. 

The open date for these accounts were XX/XX/XXXX which is false because I now longer had these vehicles and I obtained the vehicles in XXXX. 

Another violation is that they reported late payments which is illegal per ( a ) IN GENERAL Subject to subsection ( c ) 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.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Also, they do not have my written permission to furnish any information on my credit report.

Also, I have attempted to reach out to Auto Master numerous time to request the following information : - My complete file - My written permission given them authority to furnish this information on my credit - Supporting documents and information they are sending to XXXX I called Auto Master on the following days XX/XX/XXXX ( twice ), XXXX, and XX/XX/XXXX of XXXX. I continuously being told that the Owner is on vacation and the Manager called out sick and these are the only two that can print my file. I have requested a phone call back and never receive on. 

I have contacted XXXX numerous times because they are the only XXXX furnishing this information on my credit. I have requested this inaccurate information to be deleted numerous time and keep being told that the creditor is verifying that the information is correct. I requested a copy of the investigation on the following days from XXXX XX/XX/XXXX ( twice ), XX/XX/XXXX, XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX ( twice ), and XX/XX/XXXX of XXXX. 

I finally received a correspondence via mail that simply stated the following " We are currently processing your previously submitted dispute of this account ; we will not be conducting further investigation into this particular account ( s ) at this time. The results of the investigation into your previously submitted dispute will not be sent to you within 30 days of the date in was received by XXXX. '' I have been sending written corresponding for XXXX months requesting this information from XXXX.
Product: Credit reporting or other personal consumer reports

XXXX education loan This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all affirm inc, accounts removed immediately.

15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b
Product: Credit reporting or other personal consumer reports

Account name : XXXX  XXXX Account Number : XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

It has come to my attention that XXXX XXXX has been illegally reporting my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures. I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting all above disclosures required by Federal Law. If you are unable to provide the signed agreements please delete this account off of my credit profile.
Product: Checking or savings account

Capital One has failed to release payroll deposits for days after they were supposed to be deposited. They've also failed to properly communicate the issues and a timeline for resolution.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account listed on my Credit Report from XXXX 's that was shown as Charged Off and closed in XXXX. I disputed this with all three Credit Reporting Bureaus ( XXXX, XXXX and XXXX  ) stating that I was no longer liable for this account, as it was dismissed in District Court after XXXX 's had sued me in XXXX. The response each time, presumably by XXXX 's, has made matters worse. Each time I have re-disputed this account, by my adding more information, such as uploading the Dismissal in District Court, XXXX 's has added more false information, for example stating that it is in Collections ( it is not, it has never been in Collections on my credit report ) and updating the last payment date to XXXX, on an account that was closed by XXXX 's in XXXX, evidently in a false attempt by XXXX 's to restart the Statute of Limitations, which had already passed, as far as their taking any future action against me. A Judge ruled that they had insufficient evidence that I was liable for this account and dismissed the case in Court and that should have been the end of it, they should not continue to report an account that I am not liable for. I am XXXX years old,  my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues as well and this is exacerbating my XXXX and is harassment. Please have XXXX 's remove their reporting of this account to the Credit Bureaus, or have the three Credit Reporting Bureaus properly remove it.
Product: Credit card or prepaid card

My Capitol One XXXX account was paid off by a third party on XXXX XXXX, XXXX, and I closed the account. There was a refund balance of {$53.00} left in the account. I was informed that it would be refunded to me by check in 4 cycles. The on line account showed that I was refunded on XX/XX/XXXX. I never received the check. I called and was told the check would be cancelled and reissued and I would receive it in 15 working days. I did not receive it. I have called 4 times now and received the same information. I would receive it in 15 working days. I do not know what else to do. It is not a huge amount of money and I do not understand why they will not send it. I closed my Master Card account with them the same time and I received that refund check just fine over ten days ago and it was issued almost two months after the XXXX  check. 
I just want my refund. I think the banking practices also need oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft several times. Maybe this is an attempt to ruin me. There are over 30 to 40 inquiries on my report that I didn't do or approve. I have tried for a couple years to get these inquiries off my report. 
A school on my report. I never attended. I disputed - XXXX XXXX twice. It came back as me as owner. WOW! With No grades or activities, class work reported I don't understand how easy fraudulent activity Is put on my report, but hard to get off. 
I have never seen anything like this. Only a idiot put that many inquiries. Why can't y'all see that. 
and remove these inquiries. 
Thank you
Product: Mortgage

We send seterus a check # XXXX for amount of {$660.00} on XX/XX/2015 seterus mentioned on their monthly statements checks received after XX/XX/2015 will have a late fee added on to, for sure they received the check before XX/XX/2015 but they waited until XX/XX/2015 to cash it so they can add a {$10.00} late fee to it and this was not the first time seterus has done this.