23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/31, my card was declined at the grocery store. I called Chase and they told me they closed my account due to another account closure. They were very vague and wouldn't give me a direct reason. They also said that I can never open the account ever again and that the decision was final. This is the only credit card I have had with Chase for 4 years and 5 months. No other accounts with them. I always pay my balance in full on time for the 4 years and 5 months.
Product: Debt collection

yes in fact i am the consumer pursuant to 15usc1692a ( 3 ).

Mercantile adjustment bureau , LLC sent several communications to my place of abode without my express written consent. in these communication there were several violations of the Fair debt collection practices act. some of these violations pursuant to 15usc1692k were highlighted and returned with an invoice and demand for payment. i've made several good faith calls which were recorded for compliance purposes to them to allow them the opportunity to cure the outstanding invoice. as of today they late fees assessed have reached- {$12000.00}, in addition the the invoice amount. i will attach all communications as well, certified mail proof of delivery which will show when the late fees began accruing.

pursuant to 15usc1692L ( c ) i am writing to the bureau for administrative enforcement of these violations
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX REPORT NUMBER : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
Accounts : Account numbers : 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 I need these inquiries blocked and removed from my Experian credit Report INQUIRY NAME : INQUIRY DATE : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Experian to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human XXXX  or XXXX XXXX  if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self attestation to you Experian. 
Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed and account that was not reporting accurately I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action
Product: Money transfer, virtual currency, or money service

Hi, I'm writing this statement to report a fraudulent activity that was made through one of my digital wallet cards. I've already contacted the merchant to request further information and received an official email confirming that the charges made on my account under this merchant 's name were used as fraud activity. 
However, after submitting the document to my bank agent, Chase Bank, the Chase investigation team denied my claim. The agent 's explanations were ; 1 ) Because the fraudulent activities were made through Digital Wallet ; XXXX XXXX, they couldn't identify whether someone made the transaction. Because, when the transaction is made through XXXX XXXX, the information that is sent to the bank is actually under my name, not the person who is actually using the card. This is one of the reasons why I contacted the merchant to get a verification or official statement stating that this is a fraudulent activity. 

I've already claimed to the Chase bank but having the same answer. 

There are two fraudulent activities were made with total amount of i ) {$160.00} / Merchant : Hotel at XXXX XXXX XXXX XXXX XXXX XXXX ) {$300.00} / Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please let me know if you need further information for the investigation. I'd happy to provide any requested documents.
Product: Credit card or prepaid card

Some how a purchase on my credit card, and when I reported or stated a dispute they keep asking me things I don't have, I called them I said the only thing I have from that charge is a email receipt, which I sent it to over to navy today I received a email say? y dispute is Closed.
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report contains incorrect personal information, which has resulted in the appearance of multiple unknown and inaccurate accounts that are not mine. This situation is both concerning and unacceptable.
Product: Credit reporting or other personal consumer reports

I have XXXX credit card accounts in which were accessed fraudulently between XXXX. The first being XXXX XXXX XXXX, which reported a late payment in XX/XX/XXXX, a negative item on my credit report due to fraudulent charges being made without my knowledge, authorization, or involvement. The second account is XXXX XXXX XXXX, which reported a late payment in XX/XX/XXXX. The Late Payments appearing on my credit report are the result of Fraud, and I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have submitted a CFPB complaint, along with my FTC identity theft report, and valid identification and I am demanding my rights as afforded to me by the FAIR CREDIT REPORTING ACT.. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within XXXX business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to these credit card account be BLOCKED within XXXX business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. The Account number for the XXXX XXXX XXXX is. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within XXXX business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within XXXX business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. ( REQUEST FOR BLOCK AND REMOVAL -- -> XXXXXXXX XXXX XXXX XXXX ACCT # : XXXX -- - LATE PAYMENT, XX/XX/XXXX. XXXX. XXXX XXXX XXXX BANK ACCT # : XXXX -- - LATE PAYMENT, XX/XX/XXXX. ) If my rights are ignored and not granted I will be inclined to pursue litigation. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from School first with a balance of {$1300.00}, XXXX XXXX with a balance of {$12000.00}, XXXX XXXX with a balance of {$25000.00}, XXXX XXXX with a balance of {$3500.00}, Dept Ed XXXX with a balance of {$180000.00}. 

These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being mentioned 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 the 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: Mortgage

I was contacted by my homeowners insurance stating they had not received payment for insurance from Land Hone Financial ( XXXX XXXX, CA ) after multiple calls ( from myself and XXXX ) without a response and finally a call stating a lawyer would be notified the company replied. 

I want to make you aware of the following information because I believe there is a larger issue within the company. In all the years I lived in my home I never had this issue until the mortgage was sold to this company. The communication is horrible and they have antiquated technology. 

I believe there needs to be an audit of their compliance program. This shouldve never happened. 

I live in Ohio and Im required to have insurance. After they finally paid XXXX I realized that XXXX cant be the only person who experienced this. I could have lost insurance coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was being ran from XX/XX/XXXX to XX/XX/XXXX. Ive contacted Transunion to remove them many times and they have agreed to, yet theyre still on my report. Ive contacted all the merchants and they said only transunion came remove them.
Product: Credit reporting or other personal consumer reports

After investigation was completed by XXXX back on XX/XX/XXXX, the information that I was reporting Fraudulent on my credit report still has not been updated or removed despite the FTC Report and a Police Report. XXXX continues to report information that has not been verified by the creditor as 100 % accurate or remove this information that was opened fraudulently. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Can you please look into this matter?
Product: Credit reporting or other personal consumer reports

It has come to my attention, upon further investigation, that XXXX, Equifax and XXXX are all violating federally protected consumer laws by selling nonpublic personal information and allowing companies to commit fraud with my estate and violate the privacy act. I have not granted permissible purpose pursuant to 15 USC 1681. All 3 companies have allowed income to be reported on my reports in the guise of a " charge off '' ( certificate of indebtedness ). They are aware that income is not to be reported on any persons credit report. All 3 companies have violated 15 USC 6802 thru 15 USC 6805 and no option to opt out of reporting were given at any time. All 3 agencies have inconsistencies through out ALL 3 reports are to remove the following from my credit report. If anything that has not been validated by myself, remains on my report, I reserve my right to file suit. All communications will be utilized as evidentiary information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

please be advised, if ANY of the above information remains on my report, i reserve my right to file suit against all 3 bureaus. I XXXX : XXXX have NOT validated ANY of the above information nor was permission given under 16 CFR 313 and 15 USC 1681 . I am the only one who can validate any information and I exercise my right to OPT OUT of reporting THAT I DO NOT AUTHORIZE. THIS IS A FINAL NOTICE.
Product: Money transfer, virtual currency, or money service

XXXX and XXXX are the same company and our money in XXXX is not accessible to us for an unknown reason. I opened a problem ticket with XXXX who say there is nothing wrong with the XXXX  account and it should be fine. XXXX 's error message and help center points to Paypal for resolution and Paypal says there is no issue on their side. Meanwhile XXXX is holding onto XXXX of our funds without making them accessible. Each side is giving us the run around and neither party wants to fix the problem.
Product: Credit card

Dear Consumer Financial Protection Bureau I am writing to lodge a formal complaint regarding a transaction dispute concerning a moving service booked on XX/XX/XXXX for the amount of {$730.00}, using my Chase credit card. 

Despite my attempt to utilize the services of the moving company, they failed to provide the agreed-upon service. Consequently, I initiated a dispute for this charge on XX/XX/XXXX. Regrettably, Chase informed me on XX/XX/XXXX that the transaction was deemed valid based solely on the presence of my signature and credit card information in the possession of the moving company. 

In response, I promptly provided Chase with a detailed dispute letter on XX/XX/XXXX, outlining the circumstances of the failed service and emphasizing that the existence of my signature and credit card details does not substantiate the provision of services. It is worth noting that I had to resort to booking a XXXX to facilitate the move, a decision necessitated by the failure of the aforementioned moving company to fulfill its obligations. If the services had indeed been rendered by the moving company, there would have been no need for me to engage the services of XXXX. 

Subsequently, there was an error in Chase 's handling of the dispute for the XXXX  charge, which they sought to refund. However, I must clarify that I did utilize the services of XXXX, and the cost incurred exceeded that of the original moving company. 

Despite my efforts to resolve this matter, including a follow-up dispute letter sent to Chase on XX/XX/XXXX, and their acknowledgment of receipt on XX/XX/XXXX, there has been no further communication or resolution. I find it concerning that the process has been protracted, with my repeated attempts to seek resolution met with delays and, ultimately, the assertion that the dispute period has elapsed when I contacted Chase on XX/XX/XXXX. 

Given the circumstances outlined above, I urge you to review this matter with utmost urgency and rectify the erroneous decision made regarding the disputed transaction. It is imperative that Chase reassess the validity of the charge and acknowledge the failure of the moving company to provide the contracted service. Furthermore, I request a thorough investigation into the handling of this dispute, including the delays and lack of communication, and appropriate measures to prevent similar occurrences in the future. 

I anticipate your prompt attention to this matter and a swift resolution. Please provide confirmation of receipt of this complaint and an expected timeline for its resolution. 

Thank you for your immediate attention to this matter. 

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

in accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX has violated my rights.

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 a account without my written instructions
Product: Debt collection

My mother opened an XXXX XXXX  XXXX XXXX XXXX internet account in my name. Keep in mind at this time I was only about XXXX or XXXX. I eventually had it removed by disputing it and the agency didn't ask any questions because I told them I opened it underage. But whether I say yes or no to opening something that requires you to be 18 or older. It's still illegal.
Product: Mortgage

I have a HELOC with United Bank that was originated approximately three years ago. I am now trying to refinance this loan with a greatly reduced interest rate ( less than half the interest rate on the HELOC ) On XX/XX/XXXX, at XXXXXXXX XXXX, I called United Bank to request a copy of the Note and Settlement Statement from my HELOC as this information has been requested for underwriting the new loan that I have applied for. I explained to the customer service representative ( I believe her name was XXXX XXXX the reason for my call and she promptly placed me on hold. After being on hold for about twenty minutes she returned to line, informed me that the person I needed to speak to was out to lunch, and that she would have this person return my call. 

After not hearing from United Bank, I again called on XX/XX/XXXX at XXXX XXXX  and explained that I had already called once, that this was an urgent matter and that I needed the copies of the requested documents. I was again put on hold for some time when the customer service representative returned to line and said that she would have the original customer service rep that I spoke with call me back. I still have yet to receive a return call from any United Bank employee. 

The Note and Settlement statement from United are the only items needed to finish underwriting my new loan. It is extremely frustrating that United has failed to respond to my request for these documents. This is extremely poor customer service and most unfair. Each day that I am delayed from closing my new loan is costing me an excessive amount of money. 

I would be grateful if you would contact United Bank for me and provide assistance in resolving this issue.
Product: Debt collection

**False Information by Debt Collector** : The debt collector associated with XXXX  XXXX XXXX has been sending false information regarding the debt, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
This is also is prima facie evidence of an illegal eviction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get a mortgage loan with FHA. The seller provided us with a mortgage servicer that told me to boost credit score with a XXXX account. I did, I got a XXXX XXXX XXXX, low amount. Bought, item around {$60.00}, as advised. Paid half of billing. We were approved for loan. Other delays came into factor, needed new well. As time went on, I forgot to pay off balance of {$9.00} dollars to XXXX. My credit score immediately showed up as dropping. Due to XXXX reporting it asap. Now, They don't want to approve loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agencies, 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 checking account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in five fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX should not be reporting a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX  and they have no record of this account belonging to me. I do not now, nor have I in the past had an account with XXXX XXXX. Clearly this account is being reported in error and does not belong to me. This reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

I contacted the lender to get PMI cancelled as my XXXX ratio is below 80 %. 
XXXX10 days or so later I get a call back from someone telling me the investor ( XXXX XXXX ) is requires me to have the hose re-appraised before they will remove the PMI. Something about XXXX XXXX being a disaster area which is news to me. Nothing significant happened here in a year. 

I asked for documentation supporting this assertion and I was told they did not have to and would not provide any documentation. After an extremely unpleasant exchange ( The guy was rude and basically telling me I don't need to go back and re-read the agreement I'm telling you this is how it is ) the call ends and my issue with them is closed. I've got no way to call the person I spoke to back or reach them either. 

I reached out to XXXX XXXX  and was directed to the servicing guidelines for cancelling PMI. Document XXXX Link : XXXX XXXX XXXX  # XXXX It doesn't seem to mention any of the language the representative from the servicer asserted over the phone. ie; there was a natural disaster here a year ago and they need to re-appraised before they can remove PMI.