23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I dont understand why I cant get CareCredit, I dont have bad income or credit, its literally at XXXX, and my income is XXXX, why cant I borrow XXXX loan from CareCredit to pay for my XXXX I need XXXX and have to pay for them, theyve approved me at first but why now that theyre not approving me? This makes no sense to me at all. Is CareCredit gon na kept denying me?? I cant understand this.
Product: Credit reporting or other personal consumer reports

Self XXXX XXXX XXXX  was closed and paid off over a year ago and I have not used this account. It has been reported as late last month as an illicit way to negatively effect my credit score as a reprisal by a garbage law enforcement officer by the name of XXXX and other individuals acting in concert and with illegal access to my information deliberately and continuously in order to create a purpose for these garbage thieves they have deployed against me in my neighborhood as well as for the past XXXX years.. This account has been closed and the persons they are deploying are illegally and deliberately attached to my identity including my ex wife. 
1 LATE PAYMENT Account info Account number XXXX Open/closed Open Date opened XX/XX/year> Account type Secured Card
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXXXX/XX/XXXX# XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX # XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX # XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} EXP : XX/XX/XXXXL Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXXInquired on XX/XX/XXXX XXXXXX/XX/XXXXInquired on XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX Inquired XXXX XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXXXXXX Inquired on XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX : XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXInquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX XXXX
Product: Checking or savings account

ON XX/XX/year>, I REQUESTED THAT CHASE JP MORGAN BANK TRANSFER FUNDS IN THE AMOUNT OF {$250.00} TO MY XXXX XXXX CHECKING ACCOUNT. 

I'VE REQUESTED CHASE ON SEVERAL OCCASSIONS TO TRANSFER MONEY TO THE SAME CHECKING ACCOUNT AT XXXX XXXX THAT I'VE HAD FOR MANY YEARS. I'VE BEEN A CUSTOMER AT CHASE BANK FOR 13 YEARS. I'VE BEEN A CUSTOMER AT XXXX XXXX FOR 5 YEARS. 

XXXX IS A REAL TIME MONEY TRANSFERRING APPLICATION THAT CHASE BANK PROMOTES AND PROVIDES TO THEIR CUSTOMERS TO ACCESS AND USE FOR FINANCIAL TRANSFERS TO OTHER BANKS THROUGH THEIR BANKING ONLINE SERVICES. 

ON XX/XX/year>, I REQUESTED THAT CHASE TRANSFER {$250.00} TO MY XXXX XXXX CHECKING ACCOUNT VIA EMAIL XXXX. THIS EMAIL IS ASSOCIATED WITH AND IS LINKED TO MY XXXX XXXX XXXX ACCOUNT. XXXX XXXX NEVER RECEIVED THIS XXXX PAYMENT OF {$250.00}. PLEASE SEE SUPPORTING EVIDENCE, XXXX TRANSACTION FROM CHASE. 

CHASE CLAIMS THAT THEY HAVE ESCALATED THIS ISSUE AND HAVE INVESTIGATED IT. HOWEVER, CHASE HAS NOT PROVIDED LOGICAL EXPLANATION TO WHERE THE {$250.00} DOLLARS WENT THAT WAS WITHDRAWN FROM MY ACCOUNT. CHASE DENIED CLAIM TO RETURN FUNDS OR PROVIDE A PROVISIONAL CREDIT. 

CHASE ALSO DENIES LOSS OF FUNDS THROUGH THEIR THIRD PARTY APPLICATION XXXX. CHASE CLAIMS THEY SENT THE MONEY. HOWEVER, XXXX XXXX NEVER RECEIVED THE ZELLED FUNDS AND CHASE NEVER CONTACTED THEIR THIRD PARTY VENDOR XXXX TO INVESTIGATE THE TRANSACTION. SEE SUPPORTING EVIDENCE, XXXX TRANSACTIONS FROM XXXX. 

XXXX XXXX STATES THAT THEY ARE ON THE RECEIVING END AND CAN NOT BE RESPONSIBLE FOR MONEY THAT CHASE LOST OR THAT XXXX LOST THROUGH THE TRANSFER PROCESS. CHASE IS RESPONSIBLE FOR CUSTOMERS ' MONEY THAT DOES NOT TRANSFER TO THE INTENDED PARTY OR IS LOST THROUGH THE TRANSFER PROCESS. 

THE {$250.00} XXXX TRANSFER IS SHOWING IN MY CHASE CHECKING ACCOUNT AS A WITHDRAWN TRANSACTION, BUT THE FUNDS WERE NEVER RECEIVED INTO MY XXXX XXXX CHECKING ACCOUNT. 

XXXX XXXX XXXX CONTACTED THE THIRD PARTY VENDOR XXXX. XXXX STATED CUSTOMERS WOULD NEED TO CONTACT THEIR BANKING INSTITUTIONS IF THEIR CONCERNS OR ISSUE WITH XXXX MONEY TRANSFERS WERE MADE THROUGH THEIR BANKING INSTITUTION USEING XXXX. 

PLEASE HAVE CHASE BANK DEPOSIT RETURN REFUND THE {$250.00} THAT WAS WITHDRAWN FROM MY CHASE CHECKING ACCOUNT BUT NEVER SENT OR RECEIVED INTO MY XXXX XXXX CHECKING ACCOUNT. REQUEST IS ALSO MADE TO HAVE CHASE CEASE FROM USING THE THIRD PARTY ZELLE APPLICATION VENDOR THROUGH THEIR BANKING SERVICES IF THEY REFUSE TO HOLD THEMSELVES RESPONSIBLE AND ACCOUNTABLE FOR CUSTOMERS ' MONEY LOST OR STOLEN THROUGH XXXX TRANSFER PROCESS. 

SINCERELY, XXXX XXXX CONSUMER/COMPLAINANT
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

XX/XX/2016 I request my credit report from XXXX, XXXX, and XXXX. I noticed that there was an impermissible credit inquiry made by Diversified Consultants , Inc . Furthermore they even furnished a debt collection item to my XXXX and XXXX Credit report. On Tuesday XXXX XXXX 2016 I sent notice of intent to sue, informing the company of their violations and requested that within five days they send me documentation of an application I 've completed for services, employment or credit from their company. It is Monday XXXX XXXX, 2016 and I receive a call from a representative at Diversified Consultants , Inc. who was requesting my information before they verified who they were. I received multiple calls from this number since XX/XX/2016 and when I would answer the phone it was always dead air. I never heard representative speak except for the call they made to me today. My main concern is that I never executed any services with this company and do not know who gave them my private information. This company has captured my identity and damaged my credit standing by invasion of my protected interest and by inserting negative items on my credit reports. I intend to follow through with private right of action.
Product: Credit reporting or other personal consumer reports

My vehicle was involved in an accident on XX/XX/XXXX. On XX/XX/XXXX, my insurance company deemed it a total loss and notified the lender the same day. Although there was confusion on part of the insurance company of sending the payout check to the lender, once the check payment was received by the lender but before the GAP waiver amount was applied to my balance, the lender refused to update the balance on my credit report and charged it off. The account was charged off before the total loss claim was completed. I received a final letter from my GAP insurance company today, XX/XX/XXXX providing the final payment amount made to the lender. The charge off status reported to the bureaus has made a significant ( negative ) impact to my credit score. I attempted to log into my account ( lender ) online but it is nowhere to be found. Had the lender allowed the adequate time for the total loss process to be completed, the listing would be reported as paid.

I also did not receive any notification from the lender indicating this would occur. There were fully aware of the total loss claim and even provided me information for the GAP waiver claim
Product: Credit reporting or other personal consumer reports

Capital One is violating FCRA. Capital One made a hard inquiry in error to XXXX on XX/XX/XXXX. I did not apply for any Capital One products, nor do I have a current relationship with this company, that would grant permissible purpose to pull my credit. 
I contacted Capital One on XX/XX/XXXX and spoke with customer service. They could not see any relationship established. They asked me to send a copy of my credit report, but I wasn't comfortable doing that. So, I contacted XXXX the same day and they filed a dispute with Capital One. I was provided a case number of XXXX to reference. 
Followed up w/ XXXX  on XX/XX/XXXX and was told to provide a police report. I'm not even sure what I would put in one - I don't know what is going on. The person I spoke with told me she would notify the company ( again, I guess? ) and they would be required to respond in 30 days. 
On XX/XX/XXXX, I also mailed a letter to Capital One/Credit Dispute Department at XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX stating my issues and concern as well as provided a screen shot from my XXXX  credit report documenting one Capital One hard inquiry on XXXX plus 2 soft inquiries also from Capital One. I don't haven't had a recent relationship w/ Capital One to know what these are from? 
On XX/XX/XXXX - I contacted XXXX and was informed Capital One never answered their dispute inquiry. I contacted Capital One and they said I had not given enough time from my letter mailing on XX/XX/XXXX to receive a response. 
NOW, it is XXXX and the hard inquiry remains on my report and any dispute inquiries have gone unanswered. I want this inquiry explained and I want it removed b/c it is not correct.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information Transunion.XXXX XXXX  {$4000.00}, XXXX XXXX$3500.00}, XXXX {$4500.00}XXXX XXXX  {$6200.00}, XXXX {$6100.00}, XXXX  {$3500.00}, XXXX  {$2000.00}, XXXX {$4500.00}, XXXX  {$6200.00}, XXXX XXXX {$0.00}, XXXX {$3700.00}, XXXX {$4300.00}, XXXX  {$1500.00}, XXXX  {$6200.00}, XXXX {$5500.00}, XXXX {$660.00}
Product: Mortgage

I was attempting to assume a mortgage loan from my father for a house from Chase bank. The loan in question is roughly {$86000.00} and I have a credit score of XXXX and an income of {$XXXX} per year with quarterly bonuses and only small debt in the form of student loans. I submitted all information requested by Chase only to be denied on a small technicality. I am recently divorced and, after my separation, I was fortunate to be able to live with a close friend as I figured out what my next step was. During one month, I purchased season football tickets and sold XXXX of the tickets to my friend. He then discounted my rent for that month. After giving Chase all my financial information, they questioned why I had a month that was less than my agreed upon rent ; I explained what happened and offered my friend to submit a notarized document stating I paid him. Despite these efforts and all the work I put in on getting the appropriate information to Chase, they denied my loan citing " Delinquent past or present credit obligations with others ''. This is patently false and they refused to allow me to provide documentation stating so. The account representative that was so difficult to work with is XXXX XXXX in the Assumption Department
Product: Credit card or prepaid card

Please refer to my previous cfpb complaint ... I have still not received my refund check of {$180.00}. They say they mailed it to my previous address at XXXX XXXX XXXX but I still lived there until 2 weeks ago so it should have been received. When I called yesterday concerning it I was transferred 4 times before I was ultimately hung up on. I want my money as fast as possible. I need the money and have needed it for weeks now. If it can be ACH back to my account please do so. My new address isXXXX XXXX XXXX , XXXX Ohio XXXX.
Product: Debt collection

TODAYS XXXX ATTENTION DISPUTE DEPARTMENT Revco Solutions Fka Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Revco Solutions Fka I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX CT, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed by the actions taken by the Credit Reporting Agencies and continued reporting the disputed accounts without providing me copies of proof of verification for the accounts the Credit Bureaus claim as verified. I conducted a research with my Credit Report and noticed that : 1 ) there are accounts reporting late payments on my Credit Report even though it is clear that I never missed a payment ; 2 ) there are closed accounts reporting late payments even though the accounts are closed and the balance is 0 ; 3 ) charge off accounts reporting balance or accounts reporting even without my knowledge ; and 4 ) there are accounts reporting on some Credit Bureaus even though it was deleted from the other Credit Bureaus. I am submitting this CFPB Complaint to request that the accounts be corrected and or deleted : XXXX FL XXXX XXXX XXXX Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Earlier today, I was shopping at Macy 's in XXXX. I was asked if I wanted to sign up for a card, and agreed to do so. The representative never informed me that it was a credit card I was signing up for and I thought it was for a membership card for Macy 's. It wasn't until I finished the application that I was told that I applied for a credit card. To my surprise, it was already approved and I did not have a chance to cancel the application. I provided information that was not up to date, including an old email address that I use for spam as well as an old address because I was not expecting a credit card to arrive. I want to have my hard inquiry removed or to be reimbursed for the damages to my credit score. I was planning on getting a new credit card from a bank later in the year from a reputable bank after my credit has gotten better after the XXXX XXXX XXXX that I got. Now my plans need to be delayed as I wait for the inquiry come off the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an initial complaint on XX/XX/18, complaint # XXXX-XXXX with your organization, in which I disputed two payments GM financial reported as missed on my credit when payments were made. I received notice from CFPB that the company stated credit would be repaired and missing payments removed. They were removed and my credit was repaired on XX/XX/18. I considered the matter closed. Now on XX/XX/18 GM financial is now reporting XX/XX/2018 as a late payment and still reporting XX/XX/2018 as a missed payment when their response said that would be reversed.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

GROWN CREDIT INChas illegally reported a total count of twenty-five late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports