23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed a mortgage application with Chase on XX/XX/10. As far as I know I did not consent to a credit pull. 

A mortgage rep ( XXXX XXXX ) tried to call me twice after that. I was not able to take the call, though I attempted to get back in touch with them. The rep did not leave a number. 

I heard from the rep again in XXXX. We spoke on the phone briefly about prequalification ( not preauthorization ). No mention of a credit check was made. 

I got a notification later that week that there was a hard pull against my credit. I wrote an email to XXXX and his manager XXXX XXXX. XXXX called me and gave me information to report an escalation. In the meantime I was connected through my work to a different mortgage rep at Chase, who filed the escalation on my behalf. 

When I got in touch with the escalation department ( my case was handled by XXXX XXXX -- spelling may be wrong ) they told me that the rep ( XXXX ) tried to call me twice in XXXX and never got ahold of me. I told them that I had attempted to get in touch with him, and had spoken with him in XXXX, and he never verbally asked for consent to pull my credit. This information was not in the escalation report but that did not seem to matter to the escalation department. I spoke with XXXX XXXX ( who was friendly ), never XXXX. 

XXXX was unable to present any proof of my consent, other than stating that consent was received electronically. He could not provide the contents of the consent, but said he would expect the online application to be fully legally compliant. He also said that Chase 's policy was not to change or amend credit information. 

I am now in a position where other places I want to apply for a mortgage will have a lower credit score to work with, because Chase 's pull lowered my score. I was not able to line up lenders to take advantage of the window that Chase 's pull created. In XXXX I was prepared to do that, but by the time they actually pulled I was not in a position to get other pulls from other lenders. This has put me in a position where other lenders may not be able to compete with Chase, because of the damage to my credit report. 

And I still don't have any recollection of consenting to any kind of credit pull, nor was Chase able to provide any information beyond stating that I consented electronically. No document I signed, no terms I agreed to, no verbal consent, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted several companies due to unauthorized credit inquiries in my recently received credit report. Was advised to contact the Transunion, XXXX  and XXXX. XXXX  helped opening the pertinent claim to remove the inquiries, while Transunion and XXXX  refused to assist claiming there is nothing they can do. 
Inquiries to be removed as not authorized are below, some appearing as much as 4 times as it is the case with XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX, etc. 

1-XXXX XXXX XXXX 2-XXXX XXXX XXXX XXXX XXXX 3-XXXX 4-XXXX 5-XXXX XXXX XXXX   6-XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX XXXX XXXX XXXX   9-XXXX XXXX XXXX XXXX 10-XXXX XXXX XXXX 11-XXXX 12-XXXX 13-XXXX 14-XXXX XXXX 15-XXXX XXXX XXXX  16-XXXX XXXX 17-XXXX XXXX 18-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I took out a personal loan for XXXX. XX/XX/XXXX I played this loan in full as per what the online payment told me to pay. I have not received any correspondence with this company. I found it on my credit report when I went to purchase a home ... it even shows my last payment date but it shows I have been making monthly payments. How? I want aware, I have called. Sent emails, sent correspondence but never get a answer from the company..the company just keeps adding money in one them. I paid my loan in full on line XX/XX/XXXX ... this account was paid in full including interest for XXXX even though first payment was not due till XX/XX/XXXX. This account needs to show closed and I cant believe a company can lie on you but never return calls, letters emails. Please look deeper there is fraud being done and XXXX I'm the person being harmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Experian & XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report. Thank you.
Product: Debt collection

I am in chapter XXXX bankruptcy in MN - bky XXXX. The office of Messerli & Kramer and XXXX XXXX received a judgement in their favor and are now attempting to garnish my wages, which is n't allowed under the automatic stay rules of chapter XXXX. The case is XXXX
Product: Prepaid card

Attempted to use the {$200.00} amex gift card on zappos.com and on XXXX it got declined on both occasions. Amex customer service could not help with this issue. 
Card number XXXX XXXX XXXX XXXX Expiration date XXXX XXXX XXXXXXXX I'm not sure how this situation can be solved it seems to be a circle of no solutions. It would be great if you can provide a solution. Thank you.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX and XXXX XXXX XXXX improperly used my credit report and this item has been removed from my credit report based on the fact that according to 15 usc 1681b i have not given a permissible purpose for XXXX to report anything on my credit report this is was permanently removed but still shows an inquiry on my report under XXXX  as well as Equifax reporting agencies these are violations of the FCRA.
Product: Credit reporting or other personal consumer reports

I disputed several accusations on my Experian credit report. I asked collection accounts to provide any contact with my signature and chain of custody of the debts. I asked other accounts to provide any contact with my signature. I demanded the removal of those false accusations be removed from my credit reports, if they could not produce those contracts. Not a single company was able to produce a contract with my signature. Experian chose to allow these false and defamatory claims to remain on my credit reports. This causes a hardship for me. I think it is illegal. 

For accuracy, I should say that I disputed the false accounts again recently. If you get a response saying they are still under dispute, that's deceptive. I have disputed these accounts several times and Experian always lets them remain. The companies never produce a contract, because I never opened any of them.
Product: Debt collection

Hello. I have a debt I am currently paying on with One Main Financial in XXXX, Louisiana XXXX. I owe the debt and right now my account is behind. My problem is One Main calls me daily at least 8 times. That is overkill. It's not from the XXXX branch only, but multiple other companies associated with them throughout the day. My cell phone constantly rings at my job which I have been in my supervisor 's office about because of the multiple phone calls a day. They start at XXXX and ends sometimes after XXXX CST. I know I have a debt but at some times this is harassment to me. It is NOT necessary to contact me more than once a day. Last week ( XXXX XXXX XXXX ) I was contacted by them 15 times. My supervisor witnessed this and encouraged me to contact the proper authorities to report because she worked in financial institutes prior to working at my job. She even stated the phone calls were overkill and against the law for One Main to harass me. I would like for the multiple phone calls a day to STOP. I am considering hiring a lawyer if I can not get this matter resolved soon.
Product: Debt collection

I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I recieved it.
Product: Mortgage

Sps will not send me valuable information that I 've requested thet keep giving me the run around please help me save my home
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, 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 you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXXXXXX XXXXBalance : {$7300.00} XXXX XXXX {$13000.00} XXXX XXXXXXXXBalance : {$1200.00} XXXX XXXX XXXXBalance : {$300.00} XXXX XXXX XXXX XXXXBalance : {$520.00} XXXXXXXX XXXXXXXX Balance {$5900.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I already filed a complaint and this is the answer I got from SLS. Exactly what I said they were doing. Forcing me into forclosure. I filed a dispute as well and this is their answer to the dispute. Do I have any help out there???????????? 
Sincerely, XXXX XXXX XXXX
Product: Student loan

I received a letter from FedLoan Servicing via email stating that my application for PSLF had been denied because I have not made 120 qualifying payments. According to my records I have made 120 payments. I consolidated my student loans to a Direct Student Loan under Income Based Repayment in XX/XX/XXXX. I have worked for my current employer, XXXX XXXX XXXX, as a XXXX XXXX XXXX  since XX/XX/XXXX. I submitted numerous employer certification forms between XX/XX/XXXX andXX/XX/XXXX and was confident that I had the correct type of loan for PSLF and was working for an eligible employer. During the 10 year period my loan servicer changed from US Department of Education AFSA to XXXX XXXX XXXX XXXX XXXX. Recently my loan was purchased back by FedLoan Servicing at my request because I was nearing the 120 payment goal. Between XX/XX/XXXXand XX/XX/XXXX there were several years during which my expected payment amount under the Income Based Repayment Plan was $XXXX per month. Per the PSLF guidelines, $XXXX payments count toward PSLF. I am able to access records from XXXX that demonstrate my compliance with repayment terms from XX/XX/XXXX through XX/XX/XXXX. I also have documentation of my payments made to FedLoan Servicing from XX/XX/XXXX through XX/XX/XXXX. I am unable to access my loan information from XX/XX/XXXX through XX/XX/XXXX because my servicer during that time, US Department of Education AFSA, no longer exists. Despite my understanding that FedLoan Servicing has access to my entire loan history, they don't seem to be able to find it. I don't know what to do now?! But I'll tell you what I'm NOT going to do; sit around and wait! I will call FedLoan Servicing every single day. I will call XXXX to get as many records from them that I can. I will call my congressmen. I will call or email absolutely everyone I can think of who might be able to help me. I am hoping CFPB might help me. When I first learned of PSLF I thought it was a dream come true! It has turned into a nightmare!!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and found out I had 12 inquiries and only 2 where autorized and valid, Also I have collections i have no knowledge about, i also saw duplicate collections from a so called XXXX XXXX XXXX I have requested multiple times for a investagation, resolution & correction with proper actions this has not been taken place under the fair credit act. I have showing collections of some medical by XXXX XXXX XXXX this i have no knowledge and believe i being scamed on collection
Product: Credit reporting or other personal consumer reports

Unauthorized inquires on my credit report. 

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

On XX/XX/2022 I placed a dispute with XXXX I have requested they remove a wrong address on my credit profile. They Refuse to updated my current address and remove the previous address listed XXXX has falsely misrepresented me, they have placed a bankruptcy on my credit report. I have requested several times proof. They can not provide me with proof of accuracy, they only provide me with a email showing verified or showing certified by company I have requested several times for the company 's name and letter showing the proof. Its been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. They are costing me XXXX XXXX  dollars. According to the consumer law I should be treated with fairness and have my credit report showing accuracy. 

I also have a dispute on file for a XXXX XXXX. they keep stating verified this is identify theft it has another person 's name listed not mines. I have asked for this information to be removed. 

I have requested several times for proof, with my signature. A copy of the Original lease or agreement showing my name and signature listed. 

I have contacted the bankruptcy courts no records found they do not release information. I have contacted XXXX XXXX from statement XXXX sends out no bankruptcy founded according to both records. 

I want to know where is information begin verified or certified by XXXX. According to the statements on my credit reports. They have wrong names listed on my profile and inaccuracy listed under my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous calls with the credit bureaus in attempt to remove collection accounts which were a result of identity theft. I have submitted my identity theft report from the XXXX  about 8 times in the last two days. Each time I call they advise that they have not received, but on the website, it advises that information uploaded will be received the same business day. I have requested another form of expedited uploading, such as email or fax and they advised that the only way is US mail or upload through the site. They will not remove the collection accounts, despite me advising them I have an XXXX report for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX. I have the right to demand and see the contract between XXXX and myself! Please send the proper validation
Product: Credit card or prepaid card

I have applied and got approved for the NavyFed Flagship Rewards Credit card last XX/XX/2019. With the Promo of spending {$4000.00} within 90 days and earn 50,000 bonus points. Last XX/XX/2019 I  have completed the spend requirement of {$4000.00}. I have called last XX/XX/2019 @ XXXX & XX/XX/2019 @ XXXX spoke to XXXX and I was informed that I have met the spend requirement and my bonus will be on my account 6 to 8 weeks. I have also went to Navy Federal Branch in XXXX XXXX, XXXX XXXX CA last XX/XX/2019 and the banker checked my account and has confirmed that I have met my spend requirements and bonus will be on the account 6 to 8 weeks. I am also attaching a secure message last XX/XX/2019 from Navyfed which confirms that spend was met and bonus will be deposited 6 to 8 weeks. It has been 12 weeks since I met the spend and no bonus ( XXXX ) rewards points was deposited on my account as it was confirmed several times. I feel that the advertisement is misleading and I should get my entitlement of the ( XXXX ) points and or get compensated with additional bonus aside from the advertised.
Product: Checking or savings account

GOOD AFTERNOON, I AM HAVING A MAJOR ISSIUE WITH CITIBANK. WHENI HAD CITIBANK, AT THE BEGINNING I DIDN'T HAD ANY PROBLEMS WITH THEM TILL THEY PUT AN FRAUD ALERT IN MY ACCOUNT. THIS FRAUD ALERT WAS DATED ON XX/XX/2021 AND IT STILL YET HAS NOT BEEN RESOLVED. THE REASON WHY I HAD THIS FRAUD ALERT WAS BECAUSE UNFORTUNETLY I GOT SCAMMED BY A LADY WHO I STARTED WORKING FOR HER ONLINE TO DO HER ERRANDS AND WAS PAYING ME THROUGH XXXX. WHEN YOU GET PAID BY XXXX, UNFORTUNETLY, YOU DO NOT KNOW WHERE THE MONEY IS COMING FROM RIGHT. SO WHEN I WENT TO THE BRANCH TO TALK TO A FRIEND OF MINE WHO WORKS THERE SHE EXPLAINED TO ME WHERE THE MONEY WAS COMING FROM. IT TURNED OUT TO BE THAT THIS LADY WAS PAYING WITH SOMEONE ELSE 'S UNEMPLOYMENT CHECK AND THAT'S WHY CITIBANK PUT A FRAUD ALERT IN BOTH OF MY ACCOUNTS CHECKING AND SAVINGS. WHEN I CALLED THE FRAUD DEPARTMENT I EXPLAINED TO THEM THAT I HAVE NOTHING TO DO WITH THAT AND THAT I'M INNOCENT BUT THEY SAID THAT I NEEDED TO WAIT 30-90 DAYS SO THEY CAN INVESTIGATE AND NOTHING HAS BEEN DONE. I CALLED EVERY TWO TO THREE WEEKS AND THEY ALWAYS TELL ME THE SAME THING. I HAVE VISIT THE BRANCH SEVERAL TIMES AND THEY SAY I HAVE TO DEAL WITH THE FRAUD DEPARTMENT. AS YOU CAN SEE THEY HAVE ME BACK AND FOURTH AND STILL THIS PROBLEM DOESN'T GETS RESOLVE. WE ARE TALKING HERE OF ABOUT {$7000.00}, THEY HAVE MY SAVINGS, MY TAXES AND SOME OF MY STIMULUS MONEY ON HOLD. I DO NOT FIND THIS FAIR, I HAVE XXXX KIDS WHO DEPENDS ON ME AND I DO NOT WORK FULL-TIME PLUS WE ARE ON A PANDEMIC AND IS LIKE THEY DO NOT CARE. I DO NOT RECEIVE ANY UPDATES FROM THEM UNLESS I CALL THEM. PLEASE HELP ME WITH THIS SITUATION. THIS IS SO FRUSTRATED AND I CAN NOT DEAL WITH THIS NO MORE, I NEED YOUR HELP.
Product: Student loan

Good morning my name is XXXX XXXX ( XXXX ) about XX/XX/2009 I attended XXXX School and took out loans to pay for my school. Fast forward to now I am currently being garnish by PHEAA-AES ( XXXX ) for the past 3years to pay my school loan. XXXX ( XXXX ) just sent a judgment to garnish my wages as well US department of Education is off-setting my taxes and they as well as these collection agency AES/XXXX, AES/PHEAA, XXXX, U S DEPT OF ED/XXXX, XXXX XXXX are on my credit report with XXXX.. All are claiming ownership of my loan with XXXX school for close to {$13000.00}. How can XXXX collection agency collect on the same loan triple dipping ...?
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME A AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED FOR THIS DISPUTE!

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have a right to privacy, please be reminded no consent is identity theft : I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have a right to privacy, please be reminded no consent is identity theft : XXXX. XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX. XXXX ACCOUNT NUMBER : XXXX XXXX. XXXXXXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX ACCOUNT NUMBER : XXXX Please pronmtly remove this data within 4 bbusiness days pursuant to 15 USC 1681-c-2 to aviod any furthur legal proceedings. Thank you for your timely compliance!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX/XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

items were furnished on the consumer report that aren't validated as previously addressed I am a victim of identity theft. I am facing homelessness with XXXX children. please I am being violated my consumer rights are being violated.