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

This is regarding a Chase in-app promotion via the offers they solicited as an upsell and the mailer I received. 

During an application for a business card in XX/XX/2023, a hard inquiry was made to my personal report rather than my business report. 
Chase advised me that they designed it to work that way even though the application states : # XXXX. I understand that when I accept this offer, Chase will post an inquiry to my credit profile. 

As a new and underrepresented business owner, it needed to be clarified what chase meant by my credit profile. They told the personal side, not the business credit profile. 

I called chase to ask that the inquiry be removed/deleted since it wasn't clear it was on the personal side, and I was informed under no circumstances would they do that even if the application was deceptive. 

I would like for them to please fix/update their promotional/marketing/application materials so that it is clear without any confusion that when applying for a business credit card, Chase will put a hard inquiry on the " personal '' credit profile. 

This would help new business owners better understand what is happening, incredibly since immigrants from different national origins ( many times without having a USA-based personal credit profile ) open new businesses at a higher rate than USA natural-born citizens, which can lead to discrimination that disproportionately impacts them if they were unaware that when applying for a business card, would affect their personal credit report and may also lead to higher declines due to their thin personal credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for capital one credit card online because I suspected mine and my daughters information had been misused with them in the past. They were the only card at the time that would not deny my appication. Then, when I got the card that I provided my social security number and current spelling of my name XXXX XXXX XXXX, they sent a card with the incorrect spelling of XXXX XXXX instead. The card needed activation. My phone number is compromised and therefor I was not able to activate it. I already have been told by police that I have " lost my identity '' although I dont really know how to get it back. after attaching my card to the user name XXXX and they implied that I had a checking account with them in the past that I am not aware of they allowed me to change the password to the online user XXXX. I insisted I need a fresh foot to stand on and I should be able to activate the card. They said, no, we will activate it for you. I was very upset and said to them '' Do NOT '' but they said it is too late and they said you can use the card now. Since I had no other at the time I began to use it. Then, I called them again about some other problems. Then, I noticed that the card they gave me was not reporting in realtime on the CRA that I had access to. They escalated to supervisor and said that they had 30 days to put it on my CRA report but as soon as they put it the account was deleted without explanation. I told them that I have learned how to swim in fraud as I have no other choice at the moment. Then, they called and said that I am not responsible for the balance but did not explain why as it were all my purchased. They also would not close the card. I disputed it with transunion and it was deleted XX/XX/XXXX they send a letter saying taht I am in erroer because my claim with CRA is not fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$16000.00}
Product: Checking or savings account

I have an IRA account with USBANK and requested the funds to be transferred back in XX/XX/year> to XXXX Bank. I have provided the bank information for withdrawal from USBank several times and every time I call USBank states that they have not received any forms from XXXX Bank. I have supplied XXXX fax numbers to Synchrony to fax in the request to USBANK and again USBANK XXXX that they have not received any documentation from XXXX Bank. I walked into the USBANK to have someone look into what the situation is and was told that the documents have not been received from XXXX bank. This was requested from USBANK before my IRA was due to mature. It has since matured and USBANK has locked me in at 0.05 % APY therefore causing me to lose money. If USBANK would of offered me a higher APY I would of stayed with them and not request that a rollover to Synchrony be sent. I have been dealing with both banks since XXXX and neither of them know what is going on. Please advise me as to how to handle this ongoing situation.
Product: Credit reporting or other personal consumer reports

XXXX ( XXXX ) Branch they have violated every right open an account with branch. XXXX did not give me an option to add my own banking to the account they used my information to open an account with branch and then I get a email that a breach has happened with branch and my information has been exposed now my social and address is out and hacked.
Product: Mortgage

My town changed its property tax due date frequency from four times a year to two times a year. As a result, Carrington mortgage doubled my monthly property tax withdrawal when no change was necessary.

Ive spoken to Carrington Mortgage three times about this issue since XX/XX/23 when they first overcharged me. In all conversations Carrington Mortgage acknowledged their mistake and promised to adjust the monthly mortgage payments accordingly. As of XX/XX/23, nothing has been done to correct their mistake. Additionally, I have confirmed with the XXXX of XXXX XXXX that my taxes have not changed. 
I am concerned Carrington mortgage has every intention of overcharging me again on XX/XX/23. I am requesting that Carrington Mortgage adjust my mortgage payments back to the original amount and refund the excessive withdrawal made on XX/XX/23 plus interest. Thank you.
Product: Credit reporting or other personal consumer reports

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this letter to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. following account ( Opportunity financial ) is reporting a balance of ( {$2400.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$2400.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that at all so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, Consumer, did not give XXXXXXXX XXXX  XXXX my lawful written consent to disclose my nonpublic personal information to any nonaffiliated third parties. I am aware that XXXX XXXX XXXX, Transunion, XXXX, and XXXX XXXX XXXX XXXX XXXX are nonaffiliated third parties. Furthermore, XXXX XXXX XXXX is providing inaccurate information to these nonaffiliated third parties. Neither XXXX XXXX XXXX, the consumer in which the report relates to, nor a court of competent jurisdiction issue an order for such information to be reported onto any consumer report of XXXX XXXX XXXX, Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX 15 U.S.C 1681 section 602 A States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I contacted Transunion about inaccurate information on my credit report and I had previously contacted the Collection Agency XXXX, XXXX, XXXX and feel my rights have been totally ignored. {$1000.00} have been reported for 3years inaccurately now since I stated I will contact CFPB the agent was very rude. I checked my Transunion Report and was very upset because I requested Transunion to Remove the Inaccurate account of XXXX XXXX XXXX and they changed original amount to an past due amount and balance change states {$550.00}. I did not request a change or update I requested Transunion to remove and delete the account they are reporting False unverified information about me and has caused me to be denied Assistance with this negative impact.
Product: Checking or savings account

Opened business checking and savings account on XXXX and got an alert on Mobile banking to call due to suspicious activity after calling customer service, was told back in XXXX chase decided I can nolonger open any accounts with them. I have credit card with them that I've had no issues on. If I can get a credit card why can't I get a business checking or savings account.
Product: Credit reporting or other personal consumer reports

Filed disputes with XXXX, XXXX, Experian and XXXX XXXX XXXX asking them to provide proof of ownership and to remove from my credit report until they could provide proof. also stated that the loan has already been paid off by the principal. also stated they had no consent to add it to my credit report and for it to be removed immediately. Also stated they were violating the fcdpa act.
Product: Money transfer, virtual currency, or money service

'Rental Scam ' XXXX XXXX this year, I was in desperate looking for housing in XXXX XXXX PA XXXX I came across a listing on XXXX XXXX XXXX and reached out the landlord at ( XXXX ) XXXX. 
XX/XX/XXXX, I paid {$90.00} as the application fee to his legal representative, XXXX XXXX, via Bank of America 's XXXX using the email address, XXXX and requested a house tour, the landlord agreed and said he can conduct a virtual tour at XXXX on XX/XX/XXXX. He then requested me to pay XXXX the deposit which is {$350.00} to secure the place. 
XX/XX/XXXX, I transferred the {$350.00} to his attorney, XXXX XXXX XXXX or XXXX ( XXXX ) XXXX ) also via BOA 's XXXX. 
XXXX, I was asked to pay another {$350.00}. However, the tour hadn't been conducted, so I refused and requested the deposit back. Both the landlord and his attorney refused to pay me back and ignored my texts/phone calls. At this time I knew I got scammed and contact BOA 's on XX/XX/XXXX and file a complaint to recover the fund which is {$440.00} total. On XX/XX/XXXX, I received a mail from BOA stating that they " unable to honor '' my claim and that I should " contact the receiver of the fund for further assistance ''. 
Like how? I got scammed. And BOA 's didn't even bother to request additional evidence for my claim. Also, it is unacceptable that no action has been taken to prevent the scammers mentioned above. Like there is NO option to block/report a scammer account directly on BOA 's site. From all I can tell, the XXXX accounts of my scammers are all searchable and still running.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.
Product: Debt collection

HP Sears is reporting a medical collection to all the bureaus. I went to XXXX XXXX. I have insurance. I have XXXX. I went to XXXX XXXX for only covered services. Services that are included in the XXXX XXXX XXXX 's scope of benefits are not chargeable to the XXXX XXXX beneficiary yet I have a bill. I have asked and asked for a reason why there is a balance but HP Sears is only interested in money. They threatened harm to my credit if I didn't pay them. I wanted time to find out what this was about so a payment plan was arranged in exchange for not reporting this on my credit. They put it on my credit despite my requests for validation of the debt. I spoke to your company before and informed them I am in dispute with XXXX XXXX and that they needed to validate this debt but it appears they have refused so I am asking for your help. I requested that they provide me with competent evidence that I have any legal obligation to pay you because I have 100 % covered insurance. Tell me : What the money I owe is for ; I asked them to provide a detailed list of any and all services or goods purchased and a line by line itemization of charges ; Explain and show me how they calculated what I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; They are not supposed to report on any bureau until they have provided this information but they did. I am considering taking this to civil court. I believe this might constitute fraud under both Federal and State Laws. I now demand they send me a deletion letter today until such time as this is resolved. I have my phone records to prove I have spoken to you and made this same demand verbally. This would be construed as knowingly violating the law.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, OH XXXX Account number : XXXX NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Florida XXXX Dear XXXX XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Debt collection

AARGON COLLECTIONS AGENCY ( XXXX  XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a wrong old balance. This account has a XXXX balance as of XX/XX/2024. Experian is the only credit agency still reporting a XXXX balance. 
Tanking credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX name Balance {$5000.00} Balance updated XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that were open fraudulently by a former partner who was abusive towards me. These accounts are reporting on my credit report with XXXX, XXXX, and Transunion and want them remove as I never consent for the accounts to be open. Having these accounts on my credit report cause me XXXX  and XXXX  me since I was a victim of domestic violence as well as identity theft. 

The accounts reporting on my credit report include : XXXX XXXX  XXXX account shows paid off XXXX XXXX XXXX account shows paid off XXXX  XXXX XXXX XXXX account shows paid off XXXX XXXX XXXX account shows paid off XXXX XXXX XXXX XXXX and XXXX account shows paid off XXXX XXXX  XXXX which was formerly own through XXXX XXXX - collections XXXX  XXXX XXXX - Balance of XXXX XXXX XXXX- Original debt XXXX was paid off XXXX XXXX  XXXX Amounts of XXXX and XXXX
Product: Mortgage

I filed a case with New York State Department of Financial Services, XXXX, regarding an inquiry regarding who has regulatory jurisdiction to enforce New York State 's Unfair and Deceptive Acts or Practices statutes, citing specifically Key Bank 's failure to respond to my XXXX/XXXX/16 request for mediation using the NY State Attorney General 's program, and Key Bank 's failure to my XXXX/XXXX/16 business supplier submission, as Key Bank directed per my phone conference call of XXXX/XXXX/16, to be used as generating income to be used for a workout of the existing home equity loan of the Estate of XXXX XXXX. 
NY State Department of Financial Services referred me to CFPB, claiming that CFPB has regulatory authority over state law violations of a nationally chartered bank such as Key Bank. Is this true? 
Attached is a copy of the screen shots from my business supplier submission saved as PDF files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Experian has incorrect information on my Credit Report in regards to XXXX XXXX XXXX. I owe XXXX XXXX XXXX nothing and that is not showing on the credit reports.
I financed vehicle for {$7000.00} through XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX. I could not keep up the payments so I voluntary gave the car back to XXXX XXXX on XX/XX/XXXX.
Again I want XXXX XXXX XXXX  off my Credit Report with XXXX XXXX and Experian Credit Reporting Agencies effective immediately.
XXXX XXXX XXXX
Product: Debt collection

I have been trying to reach to this company about this alleged debt but I haven't gotten their response so here I am seeking help from the CFPB and Atty General to get this matter resolved.
Product: Credit reporting

XXXX XXXX # XXXX, STUDENT LOAN, {$85000.00} This account is being reported as 60 days late as of XXXX/XXXX/16. The company sent me a letter stating it was incorrect and should be reported as on time. This item should be reported correctly and updated immediately. The account should have no past due payments reported and be reported as of XXXX/XXXX/16 on time payments. Please correct. This has been reported with each agency. I also have a letter from XXXX stating this fact.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof. These are the accounts Ive marked as inaccurate XXXX XXXX {$110.00} XXXX funding {$600.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$950.00} XXXX XXXX XXXX {$1100.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due to customer service and unfair practices which violate the Consumers Financial Protection Act ( CFPA ). specifically, Cash app failed to take timely ineffective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolutions was unfair and deceptive as they did not comply with error resolutions requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E these actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Mortgage

Select Portfolio Servicing is a collection agency, not a mortgage Co.. Therefore I believe they do not have legal right to foreclose on my property. They have been harassing me with foreclosure, sheriff notices since year 2004. There is a statute of limitations to collect on a debt. I already owned my home. I did not purchase my property from SPS. I took out a home improvement loan with a mortgage company called XXXX. They are no longer in business. SPS refuses to produce original wet ink note on property.We went through numerous modifications. With higher payments.Always at the end of trial period, they have repeatedly lied about paperwork and documents missing.The last modification they wanted us to sign was for a whole new amount due, well over {$100000.00}. My principal due on loan was only {$71000.00} at that time. I refused to sign.SPS was adding attorney fees, property inspection fees, misc fees. No one ever came to my home to inspect. I have tried to make payments, sent through XXXX XXXX. SPS returns payment, will not accept. This has caused stress related illness with the constant badgering. I demand SPS to cease and desist any further contact, through the courts or otherwise. There are many, many others experiencing this same treatment from SPS. They have filed complaints as well. Why are they still allowed to be in business??
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts, # XXXX XXXX XXXX XXXXXXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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.