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

I opened my account around XXXX of this year and so far I've had hundreds of dollars ( around $ 300+ ) in fees, of which at least {$68.00} were the fault of Chase for  miscategorizing transactions and charging me an overdraft fee for transactions that should have been declined if the money wasn't in the account. 
I was told that they can only refund {$100.00} in fees per customer, whether or not it's the bank 's fault. 
Most recently on XX/XX/2018, I received a {$90.00} " cash advance '' fee which I didn't know existed after funding a new bank account with my debit card. 
I was told there was no way to have it refunded because I had reached my maximum amount of fee refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and been a victim of identity theft for quite some time. Someone stole my personal information and identity to open 2 personal loan accounts that are fraudulent and unauthorized. The following personal loan accounts do n't belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX, Loan Number : XXXX, XXXX By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX ) XXXX, Loan Number : XXXX
Product: Checking or savings account

I opened up a checking account in my name and deposited 2 checks {$3200.00} and {$100.00}, from XXXX without issue in the middle of XX/XX/2021. On XX/XX/XXXX Chase without notice lock my account and removed my funds and after contacting them sent me a letter which I never received and said they called me which I can prove they never called. Chase asked me for a contact at XXXX  so after a few weeks I did find it and tried to pass this on last week ( XX/XX/XXXX ) and called daily where Chase agent who was helping our case XXXX refused to take any calls and said our case was closed. XXXX gave us one option and that was to have them go to a bank branch and do who knows what, no details was given. He didn't provide what they need to show to prove they wrote the checks and I don't have a bank account any longer to give them the number to XXXX. Another agent when we tried to talk to a supervisor and was denied told us to give them our social security number which is a violation of PII since XXXX  doesn't have my SSN and I don't know why Chase would recommend that.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights XXXX5 U.S.C. 1681 section 602 A. states 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 instruction.
Product: Debt collection

This company is trying to collect on a debt that is more than 10 years old. The original debt was from XXXX, I haven't had an account with them in years. The companies name is Source Receivables Management XXXX XXXX XXXX XXXX North Carolina XXXX XXXX. They put this account on my credit stating an open account XX/XX/2018 with a balance of {$580.00}. I got this information from off my credit report. I need to know the original charge off date and amount from XXXX and account number. I believe they no longer have this information because its too old. I believe this is a company that tries to collect on old debt than 7 years old which is illegal. I called the phone number listed for this company its not a good number. I found another number for them tired to call they were closed XXXX. I want this removed from my credit report and these people fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this account removed for months now. On XX/XX/2022 I sent all three bureaus another letter asking once again for their method on how they are trying to say this debt is mine. Equifax closed the complaint so I contacted the fraud department via phone and the women I spoke to specifically told me she was removing it and come to find out she disputed it again. XXXX did not respond on time the complaint number XXXX still has not responded therefore that account must be removed and I'm owed XXXX for not responding within 30 days.
Product: Mortgage

We applied to Freedom Mortgage Company to refinance our existing mortgage on a second home, which they hold the existing XXXX yr. mortgage on XX/XX/2021. I sent all required documents on XXXX XXXX via fax to our loan processor directly and he stated that they were all in order. Any subsequent request for additional documents from us were sent immediately. 
XXXX XX/XX/2021 they still have not completed the loan. Our application was for a 15 year loan at a lower rate. It seems as though they are giving us the run around b/c they will lose money on this transaction. We will cut 9 years off the existing loan at a lower rate. A typical refi should be completed within 6 weeks at the most. 
I have been calling and emailing every week. They don't respond to emails and have called periodically to say all the paperwork is completed. 
I have filed a complaint with the XXXX XXXX XXXX Case # XXXX, on XX/XX/2021. Freedom Mortgage has responded three times with no outcome, just that they are reviewing the documents. 
The rate has expired three times and we have been asked twice to update our financials and our primary home homeowners insurance b/c the copy we sent originally also expired since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my annual credit reports from the three reporting agencies, Experian, XXXX, and XXXX XXXX. I noticed numerous inquiries from companies I did not request credit from. I phoned the companies, of which the biggest offender is XXXX XXXX. I had 9 inquiries on the Experian report, and several on the other two agencies. I spoke with a representative at Experian then his supervisor, explaining I wanted them to remove me from their lists permanently. They asked me for my social security # & other personal information. I also phoned & I then wrote to XXXX XXXX as well, opting out in writing. I explalined I did not want them to review my credit unless I desired to borrow money from them or use one of their products. I have a bank issued credit card and DO NOT wish to do business with these people. I also phoned your agency and spoke with a representative to discuss the matter. She suggested I file a complaint not only against XXXX XXXX, but against Experian and the other agencies, as well, since they are allowing the inquiries. I am frustrated and dismayed that consumers have NO protection against these predators. Absolutely NO ONE should have access to my credit unless I initiate a relationship with them for the purpose of borrowing money. I do not want to see any more inquiries on my credit reports unless I have given written permission to a party to do so. Someone MUST STOP these companies and protect consumers. This practice should be illegal. It is appaling.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I paid down my credit card but it has a high balance which which has since been reported i disputed it will all the agencies multiple time but has been unsuccessful getting the information changed balance is showing XXXX paid XXXX and now its XXXX and still reporting XXXX i called the company to get a updated statement but they said the account was sent to someone else but they still accept my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. 
Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Debt collection

Proficio Financial Services has listed an amount owed to XXXX XXXX XXXX XXXX in the amount of {$1800.00} original amount ; {$2200.00} owed as of XX/XX/2020. I recently saw this reported on my credit report, listed under accounts for collection. Proficio Financial Services never provided me a formal letter notifying me of my right to dispute such debt. This debt is not valid and I request it be immediately removed from my credit report. Thank you.
Product: Student loan

My name is XXXX XXXX and I attended the Institute of art in XXXX MA in XX/XX/XXXX and XX/XX/XXXX. I am looking for relief from a private loan that has been existent since XX/XX/XXXX. The financial process has become unbearable with Navient and I am honorably requesting a relief from this loan. The loan was payed faithfully for over 10 years and it seems that it barely affects the balance.I did not attend after XX/XX/XXXX and I have run out of options for getting help, so I will seek further sources but I'm presuming that this school had control over this loan. Please email me with any information to relief this redundant debt that has left a mark of struggle for years. I will provide the loan detail with response and trust.Thank you
Product: Mortgage

I HAVE A MORTGAGE WITH LOANCARE. THIS IS THE WORST MORTGAGE SERVICE COMPANY I HAVE EVER EVER EVER EXPERIENCED!!!!!!!!! THERE ARE MANY COMPLAINTS ONLINE THAT ARE SIMILAR TO THE EXACT SAME EXPERIENCE I HAVE HAD. 

I PAY MY MORTGAGE PAYMENT ON TIME, ALWAYS, THEY CAN SEE MY HISTORY. I PAY ONLINE. I WENT TO PAY MY MORTGAGE IN XX/XX/XXXX ONLINE. I SPENT 45 MINS TO AN HOUR TRYING TO LOG ON. TRYING TO CHANGE MY PASSWORD. I CALLED TO GET HELP FOR CHANGING MY PASSWORD. THE PERSON I SPOKE TO WAS XXXX ID # XXXX. I HAD SPOKE WITH HIM ON XX/XX/XXXX. I TOLD HIM OF MY PROBLEM THAT I NEEDED HELP TO LOG ON. HE SAID HE COULD NOT HELP RESET MY PASSWORD SO I COULD LOG ON. HE SAID I HAD TO SEND AN EMAIL TO CUSTOMER SERVICE. IN THE MEANTIME I NEEDED TO PAY MY MORTGAGE. HE SAID I COULD PAY IT WITH HIM BUT THERE WOULD BE A CHARGE OF {$15.00}. I ASKED HIM TO WAIVE IT SINCE I ALWAYS PAY BY THE XXXX OF EACH MONTH AND HAVE NEVER BEEN LATE. HE SAID HE COULD NOT. THE OTHER OPTION WAS TO CALL BACK AND PAY OVER THE PHONE AND I WOULD BE CHARGED XXXX. I WAS SO UPSET THAT THE BANK IS CHARGING ME TO PAY MY DEBT. SO I CALLED BACK AND PAID WITH AN AUTOMATED RECORDED VOICE OVER THE PHONE SO I WOULD BE CHARGED THE XXXX INSTEAD OF {$15.00}. 
XX/XX/XXXX I EMAILED TO CUSTOMER SUPPORT LETTING THEM KNOW I NEED HELP TO RESET MY PASSWORD. NEVER HEARD BACK FROM THEM, EVER! 

XXXX ARRIVES I GO TO THE SITE TO PAY XXXX PAYMENT. LOW AND BEHOLD I SEE MY XXXX PAYMENT HAS NOT BEEN REC 'D. I WAS FURIOUS, SHOCKED, AND REALLY UPSET KNOWING A 30 DAY LATE CAN RUIN YOUR CREDIT HISTORY AND STAYS ON YOUR CREDIT RATING FOR 7 YEARS. I HAD PULLED MY CREDIT BEFORE THIS HAPPENED AND MY CREDIT SCORE WAS XXXX PLUS. NOW MY CREDIT RATING IN BELOW XXXX AND I WILL HAVE TO PAY MORE TO BORROW MONEY!!!!!!!!! 

I CALLED XXXX AND SPOKE WITH XXXX ID # XXXX. OF COURSE THIS IS AFTER WAITING FOREVER ON THE PHONE. SHE SAYS SORRY NOTHING SHE CAN DO. 
I ASKED TO SPEAK WITH A SUPERVISOR. I SPOKE WITH XXXX ID # XXXX. 
SHE APOLOGIZED FOR XXXX ID # XXXX NOT WAIVING THE {$15.00} BECAUSE HE COULD HAVE DONE SO. THEN I WOULD NOT BE HAVING TO SPEND HOURS AND HOURS AND HOURS TRYING TO GET THIS 30 DAY LATE REMOVED. I SPENT XXXX XXXX HOURS ON THE PHONE WITH XXXX MAKING SURE THIS 30 DAY LATE WOULD BE REVERSED. SHE SAID BASED ON THE CIRCUMSTANCES SHE THOUGHT IT SHOULD BE REVERSED. I SENT HER AN EMAIL AROUND XX/XX/XXXX. SHE SAID SHE WOULD TAKE CARE OF THIS. ON XX/XX/XXXX I REC 'D A LETTER STATING THEY WERE NOT REMOVING THIS 30 DAY LATE. I AM NOW FOLLOWING UP AGAIN. I SPEND XXXX HOURS ON HOLD XX/XX/XXXX WITH FINALLY HANGING UP. 
I NEED HELP WITH THIS. PLEASE, PLEASE PLEASE!!!!!!! I CAN PROVIDE COPIES OF EMAILS I HAVE SENT. BUT THIS IS JUST OUTRAGEOUS!!!!! ON XX/XX/XXXX WHEN I PAID MY XXXX PAYMENT I ALSO PAID MY XXXX PAYMENT. AT THAT TIME THEY WAIVED THE {$15.00}, SO XXXX COULD HAVE PREVENTED THIS WHOLE SITUATION HAD HE WAIVED THE {$15.00}
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies and let them know the inquires in the document included below are not supposed to be visible on my consumer report. I never give them written consent to report them.
Product: Credit reporting or other personal consumer reports

I was unaware of the name of the company, Nelnet, never received any mail stating upcoming due date or payments due. I had no time to choose a monthly plan they offer, or any info at all. I was notified by my credit reporting service that I was XXXX days late. XXXX  days!. I am in the process of downsizing and now can not get a mortgage because of this issue. It isnt accurate. So much on and off about student loans and not having to pay, that we as payers should be clearly notified by the servicing company with a set payment plan and amount. I just recently found out about the company. That should tell you something. And Im not the only one. We can not all be wrong and I am asking to please be brought current as I am now in forbearance until XX/XX/year>. Nelnet put us in forbearance after I spoke with them but did not remove our latest. This is ruining our credit. We have put XXXX of our XXXX kids through college already and have our last XXXX to pay and are ready to do so, but we need to downsize to afford it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. States 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information orAny other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

Hi I have issue with my credit report, and the reason I'm trying to fix it because they delete the inaccurate account off my credit report and, reinserted back over 2 months after account has been removed. 
For my understanding they have only 30 days to respond and extra 15 days for investigation if needed. 
XX/XX/XXXX XXXX account already been deleted. 
XX/XX/XXXX account doesn't shows in credit report. 
Looks like everything is fine but.. 
XX/XX/XXXX account come back again and it's late it's inaccurate and it's doesn't come off until today .. 
Please look at the Experian reporting dates which I attached to photos and you will see there is no late account over 2 months
Product: Mortgage

I am a retired XXXX from XXXX XXXX XXXX. When I retired, I elected to sell my residence at XXXX in XXXX and reside in XXXX with XXXX residence in XXXX. In XXXX, I had taken out a second mortgage on the property for {$100000.00} with XXXX Bank, now defunct, which I repaid in XXXX. On XX/XX/XXXX, when I closed on on the sale of the property I was told that Bank of America held a quit claim on the property, leaving me breathless. Althought the mortgsge had been repaid fourteen years earlier, I was told I could n't close unless I allowed Bank of America to hold roughly {$100000.00} at closing. My attorney has constantly tried to deal with them to no avail, trying to contact them perhaps more than a dozen times. To the best of my knowledge, only once were they willing to talk with him, telling him it may take as long as a year for them to find the title clearance in their records. We have repeatedly sought a resolution and they will not respond, in spite of it being more than a year. XXXX Bank was acquired by Lasalle National Bank, which was in turn acquired by Bank of America. In XXXX, Lasalle National Bank sent me a letter telling me they were closing their trust department and asked me if I would like a copy of their records, to which I responded in the affirmative. Accordingly, they sent their records via fax to the economics department at XXXX. Unfortunately, I assumed the matter was proforma and the title had been properly transferred, neglecting to notice that there was an active quit claim deed. I still have those documents. According to my attorney, Bank of America is n't claiming that I have not repaid the mortgage, only that their records do n't show the tile being cleared. Since three years after I repaid the mortgage the Lassalle documents showed it still had not been processed, they obviously wo n't find any record of the transfer. They say they wo n't return my money, which is being held in escrow at a title company, until they find the transfer. Both my attorney and the title company have tried to return my money through alternative means, but Bank of America simply wo n't cooperate. My friends who work at the federal Reserve and the SEC are utterly astounded at what has transpired. It has been more than a year and I am quite upset. It does n't seem to pertain directly to any of the categories below, but I am checking one so that I can proceed with this application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested documentation From XXXX verifying that this loan is mine they Refused to Provide Contract sighed by me for this loan. As the information reported is not Accurate
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are reporting an account from XXXXXXXX XXXX XXXX ON MY credit file this account and balance do not belong to me I would like this account removed XXXX XXXX Executive Office of XXXXXXXX XXXX XXXXs To : You Mon XX/XX/XXXX XXXX XXXX  Thank you. I look forward to hearing from you. 
Thank you. I appreciate your help. 
I look forward to your response. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX Re : Account Ending in XXXX Dear XXXX XXXX, Thank you for your email correspondence addressed to the Executive Office of Customer Advocacy and leadership members at XXXX. To ensure your concerns are handled, I've forwarded your email to me within the Executive Office of Customer Advocacy at XXXX. 



After our investigation, we found that this account and balance do not belong to you. You were a victim of the XXXX XXXX XXXX XXXX, and this account was established due to that breach. We will request that the three major credit bureaus delete this record. 



If you have any questions or want additional information, please call me at ( XXXX ) XXXX. I am typically available Monday through Friday, XXXX XXXX. to XXXX XXXX ( ET ). 



Sincerely, XXXX Executive Office of Customer Advocacy xecutive Office of XXXX XXXX XXXX  To : You XXXX XXXX XXXXXXXX You Your Inquiry to XXXX
Product: Money transfer, virtual currency, or money service

Pay Pal *XXXX  c/o XXXX  or visa versa on XX/XX/2020 took XXXX out of visa credit card account and never delivered the product as discussed a portable desks. Over 24 emails have taken place between and now and the names and everything have changed. I hold Pay Pal responsible for sponsoring fradulant companies over seas that don't send products. This company c/o Pay Pal XXXX presented themselves as being in the US or I would not have ordered. Something needs to be done about this taking advantage of ppl because of a pandemic. 

Then they tried to offer me XXXX up to XXXX for my " troubles '' '' I want the whole XXXX back no product. XXXX .. XXXX ( I have no idea who the heck this is and how it went from paypal to XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to refinance my home. My mortgage company uses Equifax for a credit check. Equifax has no history of my credit. I contacted them, faxed them what they requested - copies of my State I.D . and Social Security Card. I still don't have access to my credit report and my refinance is hanging in the balance. Because the interest rates fluctuate every day on Real Estate loans, this is causing a hardship for me and may result in the loss of a good interest rate. XXXX  and XXXX have my credit history, Equifax has lost it.
Product: Vehicle loan or lease

I received an alert on my credit report statement saying I am 30 days delinquent on my account in the amount of {$590.00} from Bridgecrest car loan company so I called them about it. When I called I asked why this was being reported I was told that I had a amount pass due of {$65.00} that is why it was reported. Even though my payment are not due until the XXXX of each month and was reported on the XXXX of XXXX but did not receive alert until today about the late payment being reported. I have never be 30 days late if my payments at all and in the app it does not say I own or anything is going to be reported if I dont pay no warning was giving in anyway. I also ask why would they report it to be {$590.00} and have my credit drop over 60 points for {$65.00} and I also ask to speak with a supervisor and was told they dont have one but can put this in as escalated and transfer me to someone else and when they did XXXX said that the call was being recorded and I said they I am recording on my behalf as well and she refused and said I dont agree to being recorded and would not help me if I was recording and I can just hang up the phone so I said that I will be sue if you all do to a lie on my credit report. The {$65.00} could have been paid with the other payment that was paid on the XXXX of XXXX if it was such a big deal be I did not receive a call or notice or anything saying that I still own for the month of XXXX I that I was paid up until my next payment on the XXXX of XXXX. I would like for this to be removed off of my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was checked by TransUnion and I am not sure why because they are a credit company! It made my credit score XXXX  down and I have no clue as to why it would be checked by then. As far as I know it is an error along with the others included in the picture. XXXX XXXX was contacted by someone that was fraudulent in collecting my info to take out a school loan. I have since put these companies on notice, reported to every I could, called the police and now this feels like a last resort, why is this error happening!!?! 

Trans unionXXXX XX/XX/2019 Hard inquiry never approved or permitted by me! 


XXXX XXXX XXXX /XX/XX/2019 hard inquiry is FRAUD!! Not submitted by me. I have called local officials and put my credit on alert!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is an account shown as closed on my Equifax credit report. I have absolutely no previous business with this company. I dont know who this company is. I need this to be deleted and removed from my credit report immediately please.