23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sir/Madam, I am writing to formally complain about Chase Bank 's handling of my recent home purchase, which has left me frustrated and disappointed. I believe the bank has acted in breach of their own mortgage closing guarantee and shown a disregard for consumer rights. 

To provide some background, I submitted an online mortgage application with Chase Bank on XX/XX/. I was fortunate to receive a pre-approval from Chase Bank for the mortgage on XX/XX/, and I promptly provided all requested documents to them in XXXX and then again on XX/XX/ 

Having executed a contract for my house onXX/XX/, I provided a copy of the contract to Chase Bank, anticipating a smooth process. However, there were multiple delays due to Chases failure to promptly obtain an appraisal of the house, which was finally completed onXX/XX/. 

Following the appraisal, I experienced another round of delays stemming from Chase 's oversight in documenting a signature waiver related to the appraisal process. As a result, I wasn't able to close on the house until XX/XX/XXXX. This delay extended far beyond the XXXX Chase Mortgage XXXX XXXX XXXX XXXX additional stress and inconvenience. 

I escalated this issue to XXXX XXXX XXXX at Chase Bank on XX/XX/, and a second inquiry was sent to him onXX/XX/. Despite my attempts to seek resolution, I have yet to receive a response on a decision. Most recently, I submitted a request for review to Chase corporate on XX/XX/XXXX and received an email asking that I call them. Upon speaking with a representative on XX/XX/, I was told that they would not honor the closing guarantee, under the pretext that the closing occurred 15 days after the final document was received, a claim which contradicts my records and timeline. 

Based on the provided outline of events, I believe Chase Bank is in violation of their {$5000.00} closing guarantee. If Chase does not intend to uphold their guarantee, it should not be advertised, as it misleads consumers with a false promise of a timely mortgage closure. My research and online complaints suggest that this deceptive practice is not an isolated incident but a recurring issue with Chase Bank. 

I have emails and documents that substantiate these statements and I am ready to provide them if required. I am appealing to your agency to thoroughly investigate Chase Bank for these practices and to help secure the {$5000.00} guaranteed by Chase. I believe this action is necessary to safeguard consumer rights and deter false advertisement in the financial industry. 

Thank you for your attention to this matter. I look forward to a favorable resolution.
Product: Consumer Loan

I want to file a complaint against State Farm Bank. State Farm Bank has placed XXXX 30 day late payment charges on my credit report when they should not have done so. The first 30 day late payment was placed on my report in XXXX of 2014. After speaking with more than XXXX customer service representative I made a payment which did not post that day ; it posted several days later causing the payment to be late. The representative provided me with the wrong cut off time, thus causing me to assume I could make the payment at a later time. Their payment posting system causes customers XXXX to lose several hours of payment posting time. I wrote a letter to State Farm and asked that they review the phone conversations with it 's representatives, which were several in number. They said they reviewed the calls but did not state whether they found the conversations. The second 30 day late payment came last month. The payment shows that it was made on a particular date, but they posted it on the next day, which is still not 30 days late. They posted a payment on the same date exactly one year earlier and did not place a 30 day late payment on my credit report. I currently have XXXX loans and State Farm is the only Bank that I have had issues with. I have been a customer of State Farm for 27 years.
Product: Prepaid card

I had a previous case for an unusable AMEX gift card, case # XXXX. 

After I filed the case, the company sent me a check for the amount of the gift card, {$500.00}. Unfortunately, they delivered it during the winter and left the mail on my porch in the snow and ice. The check was ilegible when opened and the bank will not accept it. 

I contacted the company and they said they would issue a new check which they never did. I called back XXXX weeks after my initial call and the company said I would need to wait XXXX more weeks and call them back for an update. This is the runaround I've experienced from this company the whole time. I've made approximately XXXX calls to the company to have this issue resolved over time.
Product: Debt collection

XXXX is sending me to collection for an account that was closed before I XXXX to XXXX. I did took my orders to the store and they told me that my account was closed ; however, they never did and now they are sending me to collections for an error that they committed.
Product: Credit reporting or other personal consumer reports

There are billing mistakes on my credit report listing late payments that dont align with my usual history. Please adjust these errors and revise my account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative items showing on my reports. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fed loan servicingXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a letter from Steel River Systems ( SRS ) letting me know they have acquired a debt from a checking account from XXXX XXXX XXXX ( account ending XXXX ). However, I do not owe any money for this account. Back in XXXX, before I moved to Minnesota, I had a checking account with XXXX XXXX XXXX in XXXX Florida. I accidentally overdraft the account by less than a dollar, and shortly after, the bank addressed overdraft fees. 

I remembered because I was XXXX XXXX XXXX and working XXXX jobs just trying to make ends meet. As a young person of XXXX, I was trying to improve my life and I couldn't believe that a bank would charge so much in overdraft fees for how little was overdrawn. I called the bank because I was upset and wanted to resolve this and close the account before moving to Minnesota. The representative I spoke with promised they would waive the fees. I told the representative I would stop by the bank and deposit a dollar into the account to cover the overdraft amount and was told that would be waived too since the account was going to be closed. 

It has been 10 years since I moved to Minnesota, and I was promised that I did not owe anything for this account. Since then, there has not been any attempt to collect on this alleged debt. I believe the statute of limitations have expired for both Florida and Minnesota. SRS is deceiving consumers by using predatory collection practices to collect on zombie debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 AMEX placed an inquiry on my XXXX and XXXX credit reports. I did not authorize the inquiry and I don't recognize it. 

Please remove this inquiry off of my credit reports ASAP. 

Thank you.
Product: Debt collection

ARS supposedly a debt collector. No contact information is given. No information about debt originator provided. Just People asking for amounts of money that must be paid over the phone on the day and time of call. I do not plan on paying anyone over the phone so I have requested the information stated above and written statement of above with information to whom I may send a check to. Whoever no cooperation by supposedly debt collector has been provided.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX opened on XX/XX/XXXX under the account number XXXX, an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$840.00}. and a personal credit card account XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX. and a personal credit card account number XXXX XXXX XXXX XXXX dated open XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all accounts that were opened using my information as fraud to all 3 credit bureaus. They advised me to file an FTC fraud report with each account number & submit back to them via fax to have it removed from my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
ONXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

the attached paper will show you that this is an inaccurate collection for which experian is reporting under my name, this is a medical debt that i do not owe and it was paid cash long time ago, i have disputed this inaccuracy through experian many times and they are not removing this inculcate information. i have also mailed and uploaded the attached letter to experian and to the creditor. please have this inaccuracy removed from experian reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a previous complaint submitted through the CFPB, # XXXX, I communicated how Equifax had inaccurate information on my consumer report regarding the following account : XXXX XXXX XXXX XXXX XXXX # : XXXX. As a result of the investigation, the company concluded that the information I pointed out as inaccuracies were indeed inaccurate. They completed the account as updated and verified. 

The company stated in their solution that HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION, ACCOUNT HISTORY all were in fact inaccurate and have been updated. Resulting in 5 inaccuracies that were admitted by the company. 

Also, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) ( b ) ( iii ), I requested a description of the procedure used to determine the accuracy and completeness of the information and which they did not mail as a result of their solution.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry from XXXXXXXX XXXX XXXX  from date of XXXX that was not performed by myself.
Product: Debt collection

I received a collection call a few months ago claiming I had a debt in collections. I immediately thought it was a scam because it sounded sketchy especially since I am responsible and married a CPA who manages finances. 

I received another call. I asked what they were talking about and they told me they acquired the debt from XXXX. I did cancel XXXX within the last few months but I had that account for 17 years and verified I did not have a contract before canceling due to service bad at my new home. 

I asked for the reason of the charge to which they could n't tell me. I asked to dispute it and was told to contact XXXX since they are the only ones who can see the reason. I called XXXX and they could not tell me anything since the account was purchased by collection company and I 'd have to contact them. I went back and forth several times. I put in a dispute with the collections company and was told it 'd be reviewed and I would be contacted. That was a couple of weeks ago. 

I am currently trying to purchase a larger car since my wife is XXXX in 6 weeks. I decided to check my credit and find that my XXXX score is XXXX and my XXXX is XXXX because they reported the false debt. To put it perspective it has n't been reported on XXXX and my score is an XXXX. This is going to significantly cripple me getting the interest I should get not having this. 

Thanks,
Product: Credit reporting or other personal consumer reports

Please remove this inaccurate data from my report as soon as possible. Please make the necessary corrections to my report as soon as possible. 15 USC $ Permissible purpose of consumer reports 1681b. 15 u.s.c. 1681a and 15 USC 1681. 15 USC 1692 K and 15 USC 1640 Civil liability. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. I have suffered damages as a result of the misrepresentation. As a result of Lexis Nexis violations of ( CFRA ). Please Delete false information from my consumer report immediately. 

XXXX XXXX suffered damages as a result of the misrepresentation. As a result of Lexis Nexis violations of Fair Credit Reporting Act ( CFRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern ; I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX BANK XXXX # XXXX Opened XX/XX/2017. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is something very suspicious going on at Equifax. Please investigate!!! I am a victim of identity fraud and some fraud group has my personal data. Due to the fraudster obtaining my Equifax information, I've been getting multiple letters in the mail from creditors who are telling me via mail that they are 'unable ' to approve my credit card application since ( 1 ) I have freeze with other credit bureaus ( 2 ) unable to verify identity. In Equifax, there are up to XXXX inquiries related to the fraudster trying to open new credit card under my name. 

On a daily basis, I am playing cat and mouse as the fraudster is using the Equifax 'automated service ' to unfreeze my credit report. I log into my account multiple times/ day to check if my credit is frozen but often times it is revered by the fraudster ( using the automated process via phone ). This is a new complaint but it is related to my original complaint XXXX '. I was on the phone with Equifax for over an hour and a half today ( XX/XX/2023 ), and they couldn't resolve this issue. Equifax rep is saying that the fraudster can use only personal data in the Equifax ' 'automated service ' to unfreeze the credit report. This is process available for everyone and they can't just shut it off for me. I don't understand how other countless ID theft victims don't have this same/ similar issue. I would highly appreciate if the CFPB can look into this mishap in their control and investigate with great intent. I don't want to say it's an inside job but I am also uneasy that the Equifax reps ask for your entire personal information including social security #, address, email, phone number when you call in to inquiry about any issues. I am losing sleep over this matter and the fraudster will eventually/potentially open a false account XXXX day. PLEASE HELP!
Product: Mortgage

I got harassed by the company called XXXX on behalf of XXXX XXXX. They sent me mail from " Main Office '' at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX. I don't know how they got my personal information and mailing address which I have never signed up for. I have been harassed by this company for so long. When I called the XXXX, the call center reps are extremely rude and unwilling to remove me from the list. It's a complete scam. Please help and prevent this company from harassing people.
Product: Vehicle loan or lease

I attempted to get a mortgage, I was notified the judgment shows unsatisfied. I have contacted Ally Financial several times, every time they refuse to accept the payment and insist it is not their responsibility to report it as satisfied. I have asked to speak to a supervisor many times and end up being hung up on.
Product: Money transfer, virtual currency, or money service

I responded to an ad post on XXXX that was selling 2 tickets to a " Dead and Company '' concert at the XXXX XXXX in Washington State on XXXX XX/XX/2019. This incident occurred on XX/XX/2019. 

The ad ( since removed ) listed 2 tickets for {$120.00} each and provided a phone number ( XXXX ). The ad listed XXXX, XXXX and a few other options for payment, and stated that the tickets would be transferred over XXXX after payment. 

I sent a text message to the above number making an offer of {$140.00} for the pair of tickets, adding that I could make the payment over XXXX. Almost immediately, I received a response accepting the offer, but saying their XXXX was not working and asking to transact over XXXX. 

I had used XXXX once or twice in the past, so I didn't think much of it and agreed. The seller sent me the following information for the XXXX money transfer. 
Name : XXXX XXXX. Email : XXXX I transferred {$140.00} through XXXX from my Wells Fargo online account. A few minutes later, the seller said he received the notification from XXXX but " cancelled it by accident '', and that my money would be returned in 24 hours. He asked me to resend the payment. 

I sent him a screenshot from my side showing the confirmation number from XXXX. He insisted twice that I should try resending him the money. At this point I knew I was in a scam. After I asked him for a screenshot of the " cancellation '', he went silent and thereafter never responded. 

The following day ( XX/XX/XXXX ) I could see in in Wells Fargo account that the money had been taken out. I desperately sent another text to the above phone number, and even tried calling it to no avail. Seeing that the post was still up, I reported it to XXXX. Unfortunately, in my distressed state I did not remember to take a screenshot. 

On the same afternoon I called Wells Fargo and reported the scam. They took down the information and filed a claim. After about 2 weeks, I received a letter from them stating there was no error on their part, and they were closing the claim. I called them one last time to explain the issue on XX/XX/2019. The agent told me that transacting on XXXX is like transacting with cash and should only be done with known parties. 

While I now understand that Wells Fargo or XXXX do not guarantee against scams such as this one, I  think they can not shrug off all responsibility, since the scam occurred on their system. The scammer is presumably still using their facilities to defraud well meaning, unsuspecting users. At the very least they should make efforts to track down the scammer. I will not use XXXX again unless offered a one-time refund for this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send letters to Experian three or four times to remove my personal information that i dont want in my credit report. 
The personal information is a address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am writing to dispute a fraudulent account. The account are XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX XXXX, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ) FCRA 605B ( 15 U.S.C. 1681c-2 ) .I have the police report and the FTC REPORT 605B letter
Product: Debt collection

I have a debt with XXXX XXXX XXXX XXXX that is current. I have been paying since an ER visit in XX/XX/2017. I have made two payments a month and the hospital has accepted the payments and credited my account.

I have never heard of XXXX : Contact XXXX   Telephone : ( XXXX ) XXXX Without any communication they reported me to the credit bureaus for a debt in collection.

I have proof that I've paid this debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate, customer, service and unfair practices, which violates the consumer financial protection act ( CFPA ) specifically Cash app failed to take timely measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.