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

{$4800.00} was stolen from my account at WSFS bank. Someone stole my {$18.00} check from mail, crossed out the original amount, wrote the new one underneath and deposited using the ATM. My bank did not see any red flags with that check, that was clearly a fraud and released my money to that person. I reported this to the bank location and to police. I was told at the back that they would need up to 90 days to investigate the incident. They refused to do the provision of credit. I don't know how that kind of a check could be accepted by any American bank and why I have to pay for their mistakes. Needless to say that I am finishing my XXXX relationships with that bank. I can not do it until I get my money back. I am asking you to help me to get at least a provision of credit. I need to be able to pay my bills. I know other banks do that. The way I was treated at that bank is unacceptable after all these years I stayed loyal to them.
Product: Credit card

I had an issue with a merchant, in which the merchant misled, created false and misleading advertising, and offered written guarantees that were not being honored by the merchants. and AMEX is allowing these fraudulent activities to happen to their customers. I have provided multiple pages of documentation including their written advertised guarantees and their excuses. Each time addressing the merchant 's rebuttals and each time no one read my responses at AMEX or they would see I was addressing each rebuttal and being defrauded by the merchant.
Product: Student loan

I am 8 years into qualification for XXXX. 

I submitted my normal income recertification to stay on my income-driven repayment in XX/XX/XXXX, meeting the deadline XXXX set for me to submit these materials. At least 2 times during XX/XX/XXXX I contacted XXXX via message and phone call to check on the progress of this application since I had not heard anything. I was informed that the application was on-track ( or did not hear anything in the case of my private message sent via the website ). 

However, I was finally informed on XX/XX/XXXX, that apparently my application was incomplete. That same day, I re-submitted application materials, and XXXX is currently " processing '' this application. I have already been informed that the recertification will not be completed in time for my XXXX statement and that any payment that month will not count toward XXXX. I am very angry as this is not the first time such a lapse has occurred due to XXXX 's slow movement. 

I have called XXXX nearly every day in the last week to ask that the loan by expedited, particularly since the 5-week delay in the original processing was entirely XXXX 's fault. I have been told that they can't even put in a request to expedite until XX/XX/XXXX. 

What can be done to expedite this process and fix the missed month ( or more! ) for PSLF-eligible payments due to XXXX 's delay in informing me about the supposedly incomplete application, which was submitted by the deadline.
Product: Mortgage

My Old loan with XXXX XXXX was sold off to Freedom Mortgage XXXX as of, XX/XX/2021, and was informed it would be ready in their system as of XX/XX/2021, I have been ready to close my refinance through XXXX XXXX XXXX, and this payoff has held up the closing process. 

XXXXXXXX XXXX XXXXXXXX has been calling in requesting updates on this request since XX/XX/2021, they were informed that it would be ready by XX/XX/2021, XXXX XXXX had called to follow up on this request, and were told once again that it would be ready by XX/XX/2021, I had called in on the XXXX, to request my new loan number ( XXXX XXXX XXXX ) with Freedom Mortgage. 

The following day ( XX/XX/2021 ), the Loan processor at XXXXXXXX XXXX XXXXXXXX, and I had spoken with a supervisor at Freedom Mortgage by the name of " XXXX. '' XXXX had promised that he would follow up XXXX XX/XX/2021, at XXXX MST ), and provide the payoff quote as promised, XXXX never did call this morning, nor did he provide the payoff, as he originally promised. 

XXXX XXXX  had called in, again, this morning to follow up on the request. Nothing has been accomplished. He had spoken with XXXX, Rep I.D : XXXX, she had promised a response by ( XX/XX/2021 ) XXXX MST. She did not commit to her promise, and the Rep I.D . was false. 


This is a big issue, my lock expires on XX/XX/2021, and were able to close as soon as XX/XX/2021, Freedom Mortgage has not delivered on their promise, on multiple occasions, and has caused a lot of stress on my end with the mortgage process.
Product: Mortgage

My mortgage was created by XXXX  XXXX XXXX XXXX, after about 1 year servicing of the mortgage was sold to Standard Mortgage. After the sale I requested to remove the escrow account from my mortgage, however, Standard Mortgage wants to collect a fee of {$1000.00} saying there is a " Risk Based Fee '' to apply to a non escrow Mortgage. This was never disclosed to me when signing the original mortgage documents nor is it listed anywhere in my contract. XXXX has also confirmed they would not charge any fee to end escrow. It doesn't seem legal that a servicer can add such a high additional fee to a mortgage that are not contractually there or disclosed, my mortgage should be serviced the same as the originator XXXX serviced it. If Standard Mortgage doesn't want to abide by the contracts of mortgages they purchase they should stop purchasing mortgages from other XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : -STERN RECOVERY SERVICES # XXXX -XXXX  XXXX  # XXXX -XXXX  # XXXX
Product: Credit card or prepaid card

This is regarding my Chase Slate card. I have had this card since XX/XX/XXXX. 

I charged a large amount soon after I got it, for Church donations. 

I made my minimum payments. 

If I missed one, it was never delinquent long and I have been a valuable customer. 

I paid OFF my entire card in XX/XX/XXXX - $ 26K plus, cash. I didn't however know there was still some interest to pay, and I found out shortly after I needed to pay + {$300.00}, which I then did. 

In XXXX I did a balance transfer. That is the first one I ever did. Very shortly after this, my account was closed. I was not notified of this, I tried to use it - it didn't run - so I called and found this out. 

I then called and was a bit shocked. I recently found out about the Executive Office and called then to voice how odd this was. They gave me a case # and said they'd look into it. Today I got a call back that the " resolution '' was that my card would remain closed due to " delinquencies '' and " revolving balances ''. 

The number I called was XXXX. The person who I was dealing with was nice, and I know this is not her fault. 

The delinquencies are minor, and I pay my bills and am an honest person. 

Again, I paid Chase XXXX and then a few months later they close my account. 

The thing that makes me more concerned is that this card has only been used to support my Church. So now I am thinking this has something to do with my religion.

The balance transfer that was done RIGHT before my card was closed, was to my Church.

I am going to continue to look into this until it makes sense. Any help you can provide would be appreciated. 
( I put Chase Slate MC as there was no option for VISA, mine is a VISA )
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX too all for proof of last payment recieved date as well as proof of late payments recieved. They told me they didnt have this information and therefore could not send it to me. If you dont have this information how are you able to verify late payments to Experian XXXX and XXXX ? If you do have this information it needs to be sent to me as I requested to as proof that these supposed late payments are correct. If you can not verify them I request that you remove them as it is illegal to report wrong or unverifiable information on credit reports. Thank you very much.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run my credit. 

XXXX XXXX XXXX ( Miscellaneous ) XX/XX/year> XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had many problems with my chequing acount, fraudulent charges. Where I had stated to the rep. Not to dis-activate my card. Because I will fix the situation with the merchant because I new the issue, but chase dis-activate the card anyway. So they send me a new card. Which was no delivery with the 2 to 3 days stated by the rep. many issue have where I had to call chase many times. Getting in contact with Chase and obtaining inf is a issue. Rep. not providing they complete name to use as a reference as needed many time. Specially rep from XXXX and the XXXX. They hang the phone on me, they put me on hold for long periods of time and they act unprofessional when I ask for they information, but they ask me all kind of personal information but they can't provided me with they name. And yes it had been many time where my frustrations level had made me act uncivil ( use XXXX language ). 
According to chase rep. it is protocol not to provided me with only they first name. Security purpose. But that is my money and my personal information and I can't received information of the person that is handling my money and my information. This situation happens very often.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( cfpb ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The accounts listed below are not accurate, and I request that you conduct a reasonable investigation into this matter as required by law. 

Accounts in Question UPSTART NETW XXXX CIRCLE STAR WAY XXXX XXXX, CA XXXX Reported : XXXX XXXX, XXXX PORTFOLIO RECOVERY A XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX SYNOVUS/FIRST PROGRE Last payment, XXXX XXXX, XXXXXXXX XXXX PROGRE po box XXXX XXXX, TN XXXX ( XXXX ) XXXX Despite my prior attempts to resolve this matter, no evidence has been provided to substantiate the accuracy of these accounts. Under FCRA 15 U.S.C. 1681i ( a ), you are mandated to investigate disputes in a reasonable and timely manner. 

Furthermore, your failure to ensure the accuracy of my credit report may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as noted in the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceedings. The lack of evidence or response to support these accounts raises concerns about your compliance with these legal obligations.
Product: Vehicle loan or lease

On XX/XX/XXXX I paid my property taxes on my XXXX XXXX XXXX county clerk. I mailed and also faxed documentation to XXXX XXXX on XX/XX/XXXX. They have received the documentation and noted my account and assured me it would take 24-48 hours to update on my account. On XX/XX/XXXX Toyota received a check from XXXX XXXX out of XXXX, Ky for my property taxes Toyota indeed cashed the check, check # XXXX in the amount of {$28000.00} it cleared on XX/XX/XXXX. Toyota  has still NOT updated my account, my account is still showing I owe property taxes {$360.00}. 2 months have been dealing with this talked to different agents almost everyday, Im not getting anywhere everyone I talk to tells me different information. I need this resolved ASAP!!!!
Product: Debt collection

New Century Financial services, with XXXX has put a default judgement against me in a civil part court, for a debt I have daub is even mine, they levy my bank account money and my motor vehicle writ to take away, I 'm sure that I do n't owe any debt to them and they are harassing by doing so, I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX and Equifax Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few inquiries that has been reported to Transunion that were not authorized by me and are fraudulent. I already contacted the creditors and as well as the bureau and they are still reporting to my credit report Transunion inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

It was around 2019 my account was shut down for fraud check, I wasn't able to open any other accounts I regret the action it was a scam that came to me and I wanted to see if it was real and I cant open any account due to that i would like to resolve that matter, I was young and stupid till now I don't have credit, please help me.
Product: Debt collection

On XX/XX/2019, D & A Services sent a letter stating that XXXX XXXX was their client for a debt balance {$3300.00}. D & A Services stated they were authorized to accept {$1000.00} on behalf of their client, due XX/XX/2019 as settlement in full. I sent {$1000.00} to D & A Services to settle this account in full and XXXX confirmed my payment was delivered to D & A Services located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX XX/XX/2019 at XXXX Central and signed by XXXX . 

On XX/XX/2019, D & A Services contacted me by phone and said I owed a balance of {$2300.00}. I explained that I received a letter from their office XX/XX/2019 outlining the settlement in full. The agent said I was short {$44.00} and therefore owed the remaining balance. I asked, " why would they send a letter stating {$1000.00} was settlement in full, if I supposedly owed more than that amount? Also, I paid {$1000.00} toward this final payment. '' The agent said the letter I received from their office was not valid. I asked, " how is that possible? It is on your company letterhead and sent from your company? '' He did not have an answer and continued to deny that my letter was valid. Also, I never received a letter from D & A Services to verify this new amount due of {$2300.00}. 

I checked my three credit reports and XXXX XXXX has listed a balance in collections {$2300.00} as outstanding. I am disputing that a balance {$2300.00} is past due with XXXX since this was settled in full per the terms outlined in the letter sent by D & A Services XX/XX/2019.
Product: Payday loan, title loan, or personal loan

I opened this account on XX/XX/2020 for XXXX with a payment of XXXX a month.Since then, I have made my payments on time and paid back XXXX as of XXXX.On my experian credit report as of XX/XX/2020 it states under upgrade trade line that i have a balance of XXXX.I should be alot less than that.It seems like.From begginning balance to current balance on credit report the loan has only gone down XXXX.They must be charging alot interest and it will take forever to pay off.Upgrade also charged me a fee to get the loan as well.This is a rip-off.So far, upgrade has charged me XXXX in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries on my Equifax profile XXXX XXXX XXXX XXXX XXXXnquiry : 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 Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX FACTUAL DATA Inquiry : XXXX XXXX, XXXX FACTUAL DATA Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

I was told in XX/XX/XXXX that I would not be allowed to have a debit card for a year because of a county activity with my debit card. Last month in XX/XX/2020 my husband was notified of the same thing. I attempted to appeal the decision they denied it. The nearest navy federal credit union branch is over an hour away from my house. They informed me that I can write checks or with draw cash at my nearest credit union. Given the corona virus and that the virus is transmitted easily no one want you to use cash. This is why I appealed to navy federal they still denied my appeal so though I have money in my account my options are to wait 3-5 days for a transfer or drive an hour away with XXXX kids XXXX and under and take them inside to the nearest branch every time I need money. That isnt safe or even do able for my family on a normal day let alone in the middle of a pandemic.
Product: Checking or savings account

XXXX XXXX1st phone call to Chase customer service representatives. I have spoken with the representative who told me that my XXXX dollar deposit was flagged as fraudulent and my account put on restriction. I received an email as well saying that my account would be terminated if I did not take action. 

XX/XX/XXXX, 2nd phone call to chase where the representative told me that the writing on the check seemed like it was traced over thats why it was marked as fraudulent. The name of the issuer of the check needs to be associated with the business but is not coming up in his system. I asked if the writer of the check could be contacted or brought in person for verification and I was told they are not allowed to do that. 

XX/XX/XXXX, 3rd phone call to Chase representative where the representative I asked the representative about how they pull information to verify the issuer of the check as we have tried to update our business number on yellow pages, XXXX, to try and make sure anywhere it would come up would be associated with the writer of the check. The representative told me they are not allowed to tell me how or what system they use to pull the name and phone number from. 

Saturday XX/XX/XXXX, my fourth phone call to Chase. I spoke with a representative from Chase who told me she wanted to help me and that she noticed that they cashed two previous checks from the business and the writer of the check on hold already, so she was looking into why this one was flagged. She asked for the phone number of the issuer of the check and said we could call him and verify him. My boss was not able to come to the phone but she put in her notes that I would be calling the same day but between XXXX to try again and that we were allowed to reach out to the issuer of the check by phone for verification. 

Saturday XX/XX/XXXX, XXXX my fifth phone call to chase. I told the representative to review the notes and that I was told calling my boss would work for verification and he said we could do that. My boss picked up and they spoke, after about 10 minutes on hold, even after my boss hung up, he told me that it still was not acceptable for chase because his name was not coming up in their system. So back to square one.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern : I recently received a copy of my XXXX, XXXX XXXX Equifax credit reports, and I noticed some late payments posted on my credit report : U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX* DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer 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 ) containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

I have attempted to contact AMSHER on a number of occasions, most notably in XXXX of 2020, but they repeatedly put on false debt collections under " XXXX XXXX XXXX '' I have never had an account with XXXX XXXX. When I contacted the company, they hang up or " attempt to transfer me '' before hanging up the phone. Please help me get this fraudulent company removed as it impacts not only my credit score but my ability to open a new credit card and get an apartmentall because of a false report on my credit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX :