23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was using XXXX 's " XXXX '' online tool to see what credit cards I might be qualified for. I did so because XXXX 's webpage stated that doing so would result in " no impact to your credit score : A soft credit check will be performed when you fill out this form. This will be noted on your credit history but is not reported to lenders. This does not impact your credit score in any way. '' ( see their webpage URL at : XXXX ) However, despite XXXX 's stated assurance that there would be no hard inquiry on any of my credit reports or any impact to my credit score, my Transunion credit report immediately reported a hard inquiry performed by XXXX which resulted in my credit score being decreased by XXXX points and my overall credit inquiry level being downgraded from " good '' to " fair, '' thus significantly impacting my overall credit report. I am very upset about this blatantly false advertising and I am therefore asking your assistance because I believe I have been defrauded and misled to my detriment by XXXX.
Product: Credit card or prepaid card

I put something into dispute. I received an e-mail telling me to look at the Chase message center for the charge card because they needed more information. I supplied the information via Chase message center. I have contacted them several times to ask if my dispute was completed and I did not hear back from them. I contacted them today and I was informed that they had asked for more information and that I had not supplied it. I told them that I had not received an e-mail from them stating that they needed more information or an e-mail telling me to look in my Chase messages. I was informed that they may have only mailed the papers requesting more information or that their Chase message system may of had a problem or been down when they tried to send the message. I asked if they could verify that the Chase message center was up and working and they said it was internal and that they could not verify it for me or let me know the outcome of what they discover???? The way I understand it is they are telling me that because the Chase messaging was down this is my problem and my dispute was declined for this reason. I also understand that this means that if their paperless service is not reliable I will be held responsible.I signed up for their paperless service but that it is not reliable and if it has problems then I am the one who will be paying for their system failure in the end. I spent XXXX hours on the phone with them trying to straighten this out and I was prepared to spend the entire day tomorrow on the phone as well but I got lucky and got a customer service rep named Author who listened and said he understood my problems. I am concerned that an " Author '' may not be available to everybody ( it took me XXXX tries to get him ) and that due to Chases failure to keep their computer systems online and reliable other people may also be held responsible for their system failures. I think this needs to be investigated. In my opinion this is almost fraud when they tell you to sign up for paperless messaging and then they hold the customer financially responsible for the failure of their systems.
Product: Checking or savings account

On XXXX XXXX, 2017 I was charged {$2600.00} from XXXX XXXX XXXX.
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This purchase was made by my business partner. I did not authorize this transaction.
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I contacted the company to explain them that this order needed to be canceled. They refused to cancel the order Because they said it had already shipped. I then contacted my bank Chase and disputed the charge with them.
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Just to note, no item was ever shipped.
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Chase provided my account with a temporary credit immediately upon issuance of the dispute.
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A couple months later I noticed there was a claims reversal. After noticing that I contacted Chase claims department and inquired about why my claim was reversed. They explained to me that my dispute was entered as a fraud claim stating that I Did not authorize, nor was I aware of the charge.
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Which is incorrect because I was aware of the charge but I just did not authorize it as I stated my business partner used my card without my authorization.
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Now being about two days what months after the original charge. I now asked the Chase dispute representative how could I possibly be charged if they never even sent me the item.
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The representative told me he would re-issue the claim as items never received or shipped. Just today I noticed a claims reversal again of the {$2600.00}. So I contacted chase claims department and was told my claim was denied because the original claim was put in wrong. And that the second claim never held any substance being they went off of the documentation of the first claim. I asked if the merchant was required to prove that they sent it to me knowing nothing was ever sent. The representative respond that they did not have to provide that documentation.
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I am extremely disappointed with this process and left wondering how could I possibly have been charged over {$2000.00} for item I never received it was never shipped. I asked Chase to put in a dispute again and they told me it was past the deadline to issue another dispute. I told the representative all they had to do was request the merchant or company to prove it was sent via tracking for signature of receiving the item.
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I hope there is a way to dispute this moving forward. If there is any advice or help you can offer To resolve this matter. I would greatly appreciate it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Us bank is reporting an account on my file that is not mines
Product: Payday loan, title loan, or personal loan

I recieved a letter in the mail 3 months ago and when I Opened it there was a completely legit looking check made out to me for XXXX dollars. I have never talked to this company by any means and never prequalified with them as I am not originally from this state..I honestly was broke when I recieved this check so I went to the check cashing place to see if I could cash a random piece of paper with my name on it from Maverick Finance Funny enough it got cashed. Now apparently, I am there debt XXXX for a year and never initiated this relationship in any way. Yes I 'm the dumb one to cash it but what does any poor guy do when they get a check for {$1000.00}? The is Predatory to a T. Honestly I am not good with financial decisions, so I had my address opted out before this happened. How do these people know I 'm that XXXX who will cash this? Where did they get my addres? I had been signed up for OPT out before this came..is XXXX just selling everybody 's secrets Or now if you have an impulsive personality XXXX XXXX algorithm detects this and sends this loser company a list of down and outs trying to not make stupid life decisions anymore. If this XXXX is legal that 's crazy. It is comparable to sending a junkie who has been clean for a year a little bag of XXXX in the mail. He did n't ask for that envelope to come his way, but most addicts honestly are n't throwing it away. . I need to know if this is legal for them without checking to see If I am even working or if I am even capable of paying the amount. What if I worked a min wage job? I have made a few payments and now I 'm broke every payday. I receive calls constantly and have several saved calls as they are not supposed to call me or my work. - The company name is Maverick Finance in XXXX, ID - Weird thing is I think there was a different company on the mail I received but no clue. They were not listed the same I do remember that - My Name is XXXX XXXX. I tried to pay this debt back but after thinking about how this never would of happened if not for opening some random mail ... I want to know if they really are allowed to mail me a check, then patiently wait until I, the XXXX algorithm rated XXXX cashes it? XXXX XXXX XXXX Oh yea, my phone number is a California based number, .. the first time they called the lady said she was not allowed to call California numbers but I do n't think they really give a XXXX when in comes to legality. It 's whatever and thought that was weird, I live in XXXX ID If this debt is valid and legal I will pay but I ca n't afford the monthly payment of {$130.00}. My question is how do they know my address/ my compulsive problem/ all my work info/ this is a scary form of advertising. Please let me know if I am actually obligated to pay or is this something that is not legally allowed. I know calling me is n't legal and I have all conversations Saved.
Product: Student loan

On XX/XX/XXXX, I received a letter in the mail stating that my XXXX loan was placed in default and sent to the national debt collection agency. I was appalled as I am currently in graduate school and all my loans shouldve been in forbearance beginning in XXXX of XXXX. I spoke with an agent about the options and alerted him that I am currently in school and not understanding how this happened. I chose the option to do a loan consolidation on the student.aid.gov website where I opted to send it to my other loan servicer for approval. 

I contacted XXXX ( the original servicer ) to inquire why this happened. I explained to the agent that Ive been enrolled since XXXX for grad school. He looked into it and stated that they never got the notification that I had enrolled in school therefore, they sent the loan to debt collection. He stated that they cant reverse it and XXXX have to speak with the debt collection agency for options.
Product: Student loan

Navient promised me my Student loan account was set to XXXX.. They text me all month of XXXX to assure me.. But then forward my account to the Treasury Department where they took my whole tax refund
Product: Mortgage

This is a continuation of complaint # XXXX, Bank of America NEVER provided any information about the status of the mortgage application, in violation of the terms of the loan application. 

Now Bank of America HAS NOT provided a response to the above referenced complaint. 

CFPB sent an email to us on XX/XX/2022, which said : " The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. '' Since it is not possible to get a copy of the complaint response from CFPB and Bank of America HAS NOT sent the response to us directly it is necessary to file a new complaint. 

I have to assume that, not only did Bank of America violate banking regulations and the terms of the loan application, there must also be potential illegal financial and borrowing issues that Bank of America is trying to avoid disclosing. If we had received the complaint response, we would have been able to dispute the facts of that response.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Collection XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

My payroll check is deposited on this card weekly. I was informed by Rushcard that system updates would take place on Monday at XXXX. It is Friday at XXXX. I have no access to my funds. I can not withdraw or make purchases with my card. My money is being held hostage. 1 day maybe, but XXXX. We have rights. This cant be legal!
Product: Credit card

I opened a fortiva credit card ( parent company XXXX ) via XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. By XX/XX/XXXX, the account was paid in full, and no further activity was registered on the account. 

Late XX/XX/XXXX, I received an email from fortiva stating my balance was past due. At first I thought this was fraud, so I called their customer support hotline. The service representative informed me that fortiva updated their agreement with XXXX XXXX and would begin charging a {$30.00} annual fee on all open accounts. I requested that my account be closed, and asked if I would need to pay this annual fee. The representative said no, and closed the account. I received confirmation that the account was closed the same day. 

2 weeks later, I continued to receive emails from fortiva, this time stating that my balance was now {$110.00}. This is extremely upsetting and is negatively affecting my credit. It seems that fortiva is attempting to levy fees in a predatory and sneaky way.
Product: Mortgage

To Whom it May Concern, As a XXXX XXXX directly impacted by Covid, my husband and I have tried excessively and exhaustively to modify our mortgage loan serviced by Selene Finance. I must say that our initial rep, XXXX XXXX, was amazing and should be praised for her professionalism and dedication to help us achieve a modification due to the financial hardship we've experienced from this pandemic. With that said, that is where the good ends. After submitting all of the requirements and receiving verbal acknowledgement from XXXX XXXX, in addition to a notice sent from Selene that our modification packet was indeed completed and received in whole, we received a notice from Selene, dated prior to my conversation with XXXX, XXXX, but after the letter stating it was complete, that now stated we were denied due to an incomplete packet. Please note, during this time, Selene was reporting our loan as " non-govt modification '' with the previously agreed upon payments to the credit bureaus despite sending a letter of denial. 
I again reached out to XXXX who again confirmed the account notes stating our packet was complete, we were just awaiting underwritting and she would reach out to her supervisor and to call back in a few days. I called back as directed and was informed that our modification was closed out for reasons unknown and she was going to again try her supervisor. Ive tried multiple times to speak again to XXXX, which I've been denied and on more than one occasion have been told, by other customer service reps, " Yes, I can see that, but there isn't anything in your account about why you didn't get your modification. I don't know, just try submitting it again ''. Which I did, to no avail. I submitted a QWR letter on XX/XX/2021, which has gone without acknowledgement or answer, I get hung up on now when trying to call, and we received a notice of foreclosure auction for XX/XX/2021, without enough notice given to use to prevent the foreclosure from taking place as Selene requires a modification packet must be received more than 35 days before a foreclosure auction date. 
Selene is not only wrongfully denying borrowers foreclosure prevention actions, but also violating RESPA regulations. 
As a Covid XXXX, I put my life on the line, got XXXX  and now am losing my house due to Selene 's negligence. We sincerely and genuinely just want to pay our mortgage loan like every one else. 
Is there someone that can help resolve this issue? 
I do apologize for reaching out this way, but unfortunately felt I had no choice. 
Thank you for your time and consideration, it sincerely is appreciated. 
XXXX XXXX.
Product: Credit card or prepaid card

Chase Bank is refusing to take responsibility for late payments that were reported on my credit report as a result of their phone agent setting up payments incorrectly during a request for enrollment in a hardship program. I had 3 different accounts set up under the hardship program, 2 of which were set up correctly and reported correctly. However, the third account was set up with automatic transfers on a date that would cause a rolling 30 day late payment to report on my credit report. I called in to set this up around XX/XX/XXXX, only 11 days after the payment due date. Chase has claimed I was already 30 days past due which is incorrect. They keep lying to me on the phone despite my having evidence of the date I called in and the dates the payments were set up. They refuse to take responsibility by setting up the dates incorrectly and not informing me that the date they did choose would put me in a late pay status. The payment amounts were set up to cover more than the statement minimum payment, and I completed the hardship program payments as directed but still have derogatory marks on my credit. This is hugely frustrating and unfair to the consumer.
Product: Credit reporting

A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Product: Debt collection

Letter sent to me pertaining to my DEAD husband 's account. My husband died on XXXX XXXX, 1991 ( almost XXXX yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider XXXX yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.
Product: Vehicle loan or lease

We have a recently new account with Santander Consumer USA for a car loan. After 6 months, the last month reported was for XXXX. We were never 30 days late and only once late passed the 10 day grace period ( by only a few days ). They are refusing to report the month of XXXX  and XXXX  because I split the payment up into two payments. I called regarding the reporting on XX/XX/2019, and the lady that helped me said she wasn't sure why it wasn't reported for those two months. Everything looked good and the report was sent over to the proper department for credit reporting. She said if it doesn't update by the end of the following week to call back. I called back XX/XX/2019, and the lady that helped me this time said it wasn't going to report because I didn't make a one-time payment. But wanted to assure me that my account was not past due. She said they don't have to report only if it's 30+ days past due then they will. I requested for it to be reported and they denied it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( 2 ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I want to block and remove these accounts pursuant to 15 U.S.C 1681c-2. It should not be declined, this information is not being blocked in error by me the consumer, or on the basis of a material misrepresentation of fact by the consumer relevant to the request to block, or the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions and I didnt receive any goods. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.