23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had a mortgage with Wells Fargo when the real estate market crashed in XXXX. Since my husband is a builder and I was a real estate agent we were hit very hard with this crisis financially. We were advised to go through the " XXXX XXXX XXXX XXXX '' in XXXX, MA to tried to get a " Remodification Loan ''. Wells Fargo kept coming back asking for additional paperwork over and over again, which i believe was a stall tactic as Wells Fargo had been instructed to cooperate with those struggling financially. Despite providing them with every document they requested they declined to do the loan modification. I honestly don't think they ever had any intention of going along with this and was simply stalling then denying us eligibility since the government was now watching them. After wiping out all our savings, cashing out both of our Roth accounts and selling anything we could including jewelry, we became desperate and put our house on the market. But during this crash we put our house on the market and eventually had to take a substantial hit on the value and lost a lot of equity. No the house wasn't taken in foreclosure but we were forced to sell due to the denial of Wells Fargo to amend the loan. We had NEVER missed a payment with them and they would have no reason not to allow the modification other than the fact that as usual for this company ONLY puts their best interest into consideration. Even XXXX, who ran the XXXXXXXX XXXX XXXXXXXX XXXX, admitted not a single account he worked on actually got a modification loan. Now I see Wells Fargo is being forced to pay for their illegal deeds and hopefully we should be included in this settlement.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : XXXX XXXX XXXXXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chime Dispute Number : XXXX XXXX ATM Case Number : Case XXXX On Wednesday XXXX, XXXX at XXXX I utilized the company XXXXXXXX ATM inside of my local XXXX located on XXXX XXXX XXXX XXXX XXXX . The machine didnt dispense any of {$140.00} nor gave me a receipt. I checked my chime account and I was still debited for the {$140.00}. I notified the XXXX employee and she just put a " out of order '' sign up on the machine and instructed me to call the the XXXX number on the back of the ATM. Well I did just that and was told I would have to file a dispute with my bank. Well on XXXX, I phoned my bank ( Chime ) and filed a dispute and the same day they denied it without even really investigating it. I then reached out on the XX/XX/XXXX to see why I was denied and they emailed me a letter of them saying why and decided to reopened the claim. Well now I was told I was eligible 100 % for the provisional credit since I have emailed and uploaded proof to XXXX. The date I was given was XXXX and the day has came and went. Now when I call chime and ask about why I havent receive it ; they just read to me " word to word '' about the rebuttal states that I should receive it on XX/XX/XXXX and their still investigating. Well their policy states ( which can be found on company website ) that if the investigating lasts more than 10 days they would issue this provisional credit ; in all honestly, its been more than 20 days and I still havent been issued a refund for my money I never received out of the ATM. Im just getting employees who are employed by chime to keep reading me rebuttals and a typical generic resolution call flow off a computer screen and not getting any real updates about my investigation. At this point, im willing to get a sheriff out to the store to retrieve footage because XXXX ATM merchant has not been out to the ATM to service it since I reported the fraudulent activity nor have been out to check to see if theirs extra money in the tray that I debited from their ATM. I need help and Im willing to bring in legal help in on this case if it isnt resolved before the New Year. Thank You for future reference for helping.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a Chase Saphire Preferred Card that I never applied for. It prompted me to contact Chase and close the card on XX/XX/XXXX. 

On the XXXX, I created an account on XXXX, XXXX, and XXXX freezing and locking my credit. The perpetrator had already made an XXXX account using my information. I contacted support and gained access to the account. I disputed the address on file, name, and inquiries. 

I contacted XXXX XXXX and reported fraud, which denied the credit card application. I contacted JPMorgan, but they did see the applications yet. They did a hard inquiry on XX/XX/XXXX and XXXX. 

I contacted the local police and filed a police report regarding the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : Midland Funding, as shown on my 3 credit reports, is showing incorrect information.

Basis for the dispute : 1. The type of account is listed as OPEN " Installment '' or " Other Accounts ''. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. ( XXXX, XXXX ) 2. The account status is shown as Past Due. Please delete this incorrect information. Midland is not a creditor and therefore can not report an account as past due or current.

( XXXX, XXXX, XXXX ) 3. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is {$7000.00} and the account is listed as " seriously past due ''. Please remove this incorrect information. There is no payment history to report as Midland is not a creditor. ( XXXX ) 4. Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with Midland as Midland is not a creditor. ( XXXX ) Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.

They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score.

Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past Due '' as of May 2014 as Midland is not a creditor and I do not have any installment agreement with Midland.

Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
Product: Credit card or prepaid card

I got approved for and received the Amazon reward visa signature card which is through chase bank. A family member who lives in another state received a letter on XX/XX/XXXX that I needed to fill out an attached social security form ( SSA-89 ) and a w-9 and then send these back or they would close my credit card. I couldn't fill these out because I live in Massachusetts and my family member lives in California. I then called chase bank asking if they could email the forms to me and they refused. I asked if they could mail the forms to my actual address and they refused also. They also refused to change my address to my actual address initially. This was especially confusing because they sent my credit card itself to the correct location, and I think they got the other incorrect address from Amazon or something. I later asked what if anything I could do to keep my credit card open and they said I needed to visit a local chase branch and fill out the paper work there. I talked to my local chase branch at XXXX XXXX XXXX, XXXX, MA XXXX and they told me there was nothing I could do because I didn't have my social security card on me. I don't have my social security card on me in general because I'm a student and it is at my home state and I would need to get a new one which would take more time than I had. I spoke to chase on the phone again for hours and they told me that there was nothing I could do and that I could not have an extension for time and that my credit card was being closed. They told me to reapply which I did and was rejected.
Product: Credit reporting or other personal consumer reports

I previously disputed information with the credit bureaus regarding my account with XXXX XXXX. The account was updated and is now showing as incorrect. It is showing I had over {$9000.00} charged off however, they sold the vehicle at auction and the remaining balance is {$3800.00}. 

The debt was sold to XXXX XXXX and is showing a balance of {$3800.00}. 

I am requesting that this debt be deleted due to being reported inaccurately. If this is not done, I will be contacting an attorney.
Product: Checking or savings account

We deposited {$4100.00} dollars into the ATM in cash on XX/XX/2024 at XXXX. 

The ATM machine indicated it was " having some trouble '' and then printed another screen with a phone number to contact Chase and provided a receipt of the transaction without any indication of the deposit amount. 

We contacted Chase immediately at XXXX who told us their claims department was closed and instructed us we would have to contact them in the morning. We called XXXX and filed a claim. Chase indicated to us they would issue a provisional credit while they audited the ATM. Today, XX/XX/2024 at XXXX XXXX that provisional credit has still not been issued and the bank has not responded with any updates.
Product: Student loan

Navient was the company to collect my student loan, they had increase my debt double of what I had taking the XXXX. NAVIENT was sued because of what they have been doing to us student borrowers. Please can my debt be considered paid off, due to Navient trying to abuse of us student borrowers my email is XXXX to give you more information. 

Thank you XXXX XXXX
Product: Bank account or service

I went to the Bank of America branch, located at XXXX XXXX XXXX XXXX, in XXXX, Florida on XXXX XXXX, 2013 to enter my safe deposit box. When I arrived, the bank personnel made me wait for about an hour while they tried to locate the signature card associated with my safe deposit box. After the bank was unable to locate the signature card, they decided to start a new signature card and allow me to enter my safe deposit box. When I opened the box I discovered all my belongings were missing. The only thing found in my box was a lock, which looked like it belonged to another safe deposit box, along with XXXX screws. ( This lock obviously did not belong to me. ) Bank of America said they would conduct an investigation, but they have been uncooperative and have never returned any of our missing items. Additionally, they have never taken any responsibility for the situation, despite the fact they have no plausible explanation for the missing signature card or the discovery of the safe deposit box lock in my box. The safe deposit box contained valuables and heirlooms belonging to my family. We want our items returned!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Reply to : Response of EXPERIAN Inc. Credit Reporting Agency of : XXXXMEMORANDUM FOR : CONSUMER FINANCIALPROTECTION BUREAU SUBJECT : EXPERIAN Inc. and its member/Agent XXXX XXXX XXXX ( The Company ) CONTINUED KNOWINGVIOLATION OF THE FAIR CREDIT REPORTING ACT Re : CFPB Complaint # : XXXX Submitted to the CFPB on : XXXXTHISIS A TIMELY FILED COMPLAINANT RESPONSE TO THE EXPERIAN XX/XX/2022 REPLY TO CFPBDear CFPB, on XX/XX/2022, I, a service member filed an FCRA Volition complaint with CFPB, regarding EXPERIAN Inc. a Consumer credit reporting agency and its member XXXX XXXX XXXX XXXX XXXX reporting of false DECEASED inaccurate information on my EXPERIAN Credit File , VIOLATION OF Title VI of the Consumer Credit Protection Act ). Experian IncXXXX and XXXX XXXX XXXX XXXX, are both Subject to the Federal, Fair Credit Reporting Act ( FCRA ) .On XX/XX/2022 EXPERIAN filed a response to CFPB and Service Member that stated in pertinent part,..... [ DESCRIPTION OF NON-MONETARY RELIEF According to our records, an indication of being deceased does not appear on your Experian credit report at this time. ] THIS IS FALSE. After having allotted sufficient time following EXPERIANs XX/XX/2022 to elapsed of approximately26 days to be exact. Service members upon review of my most recent EXPERIAN Credit Report # : XXXX reveal that, AS OF THIS WRITING XXXX XXXX ( XX/XX/2022 ) EXPERIAN INC AND ITS MEMBER/AGENT XXXX XXXX XXXX XXXX KNOWINGLY CONTINUE TO REPORT FALSE DECEASED INACCURATE INFORMATION ONSERVICE MEMBERS EXPERIAN CONSUMER CREDIT FILE.. my multiple request to EXPERIAL and its member XXXX XXXX have gone an resolved , that resulted in negative impact on my Consumer Credit Score to XXXX CREDIT score , caused me to suffer serious financial hardship, suffer deprivation of federal relief in the meaning established and defined by the U.S. Congress under Title 15 United States Code 1681 ( a ) and ( b ), in direct violation of the Fair Credit Reporting Act and violation of Title VI of the Consumer Credit Protection Act, all in violation of Title 18 United States Code249, and infringed the jurisdiction of the Consumer Financial protection Bureau. Irreparable harm.Under the Consumer Financial Protection Bureau Act, the CFPB has jurisdiction to fine EXPERIAN and its member XXXX XXXX for their continued violations of the act.
Product: Credit reporting or other personal consumer reports

In response to a few problems I've had with the credit bureau, I'm writing to voice my concerns. Among these problems include irregular billing, wrong credit reporting, several fraudulent queries, false account listings, and accounts that are not mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 someone hacked into my Chase Bank account, transferred {$1200.00} from my savings into my checking account then via XXXX electronically transferred two payments of {$630.00} and {$830.00} to a person purportedly named " XXXX XXXX ''. I typically check my accounts daily and did so on that day at about XXXX XXXX. I noticed these transactions and immediately changed my passwords and next contacted Chase. The only thing they could do at this point was lock my accounts and I was told to call back the next day. It seems at this point they could have reversed the transactions but by morning the next day it was too late. I proceeded to close this account and open another. They did on the XXXX reverse the transactions and proceed forwarded with an investigation. ON the XXXX I received a message from them that stated these transactions were " processed correctly or were authorized '' and as a result, they will be removing this {$1400.00}. from my account on or later than XX/XX/XXXX and have closed the claim. I on the XXXX called and was it was confirmed by an agent and her supervisor that this is what they would be doing and there is nothing I can do about it. I did not do any of this but they have deemed NO fraud was committed. They have on their record which bank this was paid to but say they can research nor investigate further since their determination is that no fraud was committed. They do have the phone that this money was transferred to but I have called several times and gotten through to voice mail only. I do not know what to do next in recovering my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX, XXXX XXXX  Acct # XXXX balance {$160.00}, XXXX  XXXX XXXX  Acct # XXXX balance {$21000.00}, Pa XXXX XXXX XXXX Acct # XXXX balance {$51000.00}, US BKPT CT Pa XXXX Acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX balance XXXX. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 2 credit bureaus telling them their was fraudulent accounts on my credit report I did n't know how they was there they did n't belong to me ..I also told them accounts was reporting wrong and inaccurate information such as open dates, wrong payment amounts and etc ..The 3 bureaus did nothing about it but sent me back a updated copy of my credit profile without investigation..I have pics to show the inaccurate information my Same accounts on credit reposts have different balances, open dates and etc .According to the FCRA all information should be truthful and correct and these bureaus are breaking the law destroying consumers report and nothing is being done about this ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status..XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 My card was used to purchase crypto currency without my authorization. The charges were by XXXX payments. XXXX unauthorized charges were made, XXXX for XXXX the XXXX  for XXXX. Multiple attempts using the wrong card information were declined before the XXXX charges were successful. I bank with Current, I disputed the charges but was told the charges were valid. I requested the information used by them to come to the conclusion that the charges were valid but have not received any response.
Product: Credit reporting or other personal consumer reports

DATE LAST ACTIVE and DATE OF LAST PAYMENT are incorrect and different on each of the Bureaus
Product: Consumer Loan

I opened a joint auto loan accountwith Wells Fargo ten years ago. They have illegally changed and kept changing the last reporting date and account opening date so they can keep this on my record. They are listed twice on all XXXX of my credit reports with ( XXXX, XXXX, and XXXX ), each hit has different dates of opening and last date of report. This is OLD information and should be verified and removed. Account opened in XXXX 2006. was for 72 months long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the FULL Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX please remove any other variations of my name. I have recently discovered that my ID was used in XXXX for fraudulent charges and accounts. 
The following addresses need to be deleted they are not accurate : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX   XXXX  XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
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 violate the Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

on XX/XX/2018, i started receiving letters from XXXX XXXX hospital regarding a medical bill that is not mine. i got a derogatory remark on my XXXX credit report stating i owe over 9k on medical bills. i would like to address this immediately and either pay off this debt or get this negative remark removed from my report