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

this complaint is against JP MORGAN CHASE BANK. In XX/XX/2017 they send me an email saying that i have been preapproved for their financial products chase freedom and freedom unlimited, so i went online and applied for both the credit cards, both was approved chase freedom :XXXX credit limit chase freedom unlimited XXXX credit limit i started using both the cards, made all the minimum payments on time ( 100 % ) on time.i had to use some high amounts for some personal reasons, but every month i made all my minimum payments on time, last month they sent me a letter saying that both my cards ( accounts ) have been closed WITHOUT WARNING, atleast they can send me a warning letter stating ur balances are high and you have to pay some off or your account will be closed, NOTHING LIKE THAT, OUT OF THE THIN AIR ONE MORNING THEY ARE SENDING ME A LETTER SAYING THE MY BOTH ACCOUNTS ARE CLOSED AND NO LONGER CAN USE THEM, I have a CHECKING ACCOUNT WITH THEM from past 7 years ( still active ) where my all my money goes. this is not fair from chase, I tried for a government sponsored mortgage which is a USDA loan 0 % down payments 1 % interest rate, but i was denied because chase closed my both the credit accounts, cancelling all the limits on the credit card, my score from XXXX  went down to XXXX, THE USDA LOAN STARTS FROM XXXX  SCORE, THIS IS NOT FAIR, the mortgage officer told me the only thing affecting your score is the closing of your high limit credit card from chase, now IM GOING TO XXXX XXXX, IM GETTING SICK, I can not work as I'm XXXX  upset EVERY AMERICAN DREAM IS TO BUY A HOUSE, just because of JP MORGAN CHASE MY DREAM IS SHATTERED IN TO PIECES, they can close my account if i missed any payments or if i lost my job, i always made my payments on time, they can not just offer something and take it back for no reason.

please US government, if you guys respect the US CONSTITUTION you have to help me resolve this issue, as an American citizen i don't feel protected by the government, ACCORDING TO OUR CONSTITUTION EVERYONE WHO LIVES IN THE UNITED STATES HAVE THE RIGHT FOR LIFE, LIBERTY AND PURSUIT OF HAPPINESS, PLEASE DONT LET THEM TAKE IT AWAY FROM THE PEOPLE, if there was any negativity from my side i can totally understand it, they cant just do this to me, I'm denied the govt usda loan because of this, I'm going in to XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$410.00} XXXX XXXX {$0.00}
Product: Debt collection

I had a hospital bill for XXXX dollars. I am currently paying them directly. A collection agency is saying I owe XXXX for the same debt and that it is the principal amount not the interest. They are lying and trying to collect money when I paid the original debt and for far more than owed.
Product: Credit card or prepaid card

In XX/XX/2022 I purchased 2 XXXX XXXX from Amazon, using my Amazon credit card through Synchrony Bank. These devices with tax came to {$240.00} each. Shortly afterward, I decided to return the entire purchase. I contacted Amazon and they agreed to accept the return and sent me 2 prepaid shipping labels, one for each XXXX. I promptly returned both and have shipping confirmations that Amazon received them. However, Amazon only refunded my account for one ( XXXX ). After several attempts to get Amazon to correct this, during which they agreed they would, yet they never issued the remainder of the credit, I initiated a dispute with Synchrony. After investigating, Synchrony resolved the dispute in my favor and credited my account for the second XXXX ( XXXX ). However, several weeks later Synchrony reversed this credit. The letter they sent explaining the reversal stated that they saw the original credit Amazon had issued in the same amount ( which was for the first XXXX ), they thought I had been credited twice so they were reversing it. I subsequently disputed this again, and on XX/XX/XXXX they sent me a letter acknowledging this new dispute. As of today, XX/XX/XXXX, they still have not resolved this dispute. When I contact their customer service representatives they always seek to delay the issue. Today they told me they have 60 more days to investigate the matter. This should be resolved by now, and they still owe me {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

When i left XXXX i was not informed of any debt to them. And when i got it it was to late to pay them off. Went to collections before i could do anything
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

In XX/XX/XXXX I had a new roof and gutters put on my home by XXXX XXXX remolding, It was financed through XXXX. As of today the job is not completed. The city of XXXX has not approved the roof. The contract states that the job has to be completed with in 90 days, I gave XXXX a year, Called them weekly to get them to finish the job. From XX/XX/XXXX to XX/XX/XXXX I paid XXXX. Also the forged my name and my wifes name to papers stating that we signed off on the job!
Product: Checking or savings account

On Saturday, XX/XX/XXXX I provided computer service to a personal friend in person - the service ( aka, the 'goods ' ) were provided locally and at the immediate time, with said friend willing to substantiate my claim further. 

A verbal agreement for payment was reached and I sent my friend a money request on Paypal shortly thereafter. 

Upon receiving the request, my friend promptly paid the agreed amount. Instead of receiving my money, I come to learn that Paypal has placed a hold on my funds for up to 21 days. 

I contacted Paypal the next day, just to be told that despite there being no physical goods to ship and the service having already been delivered, that I would be forced to wait potentially up to 21 days for access to MY earnings and to simply 'send through family/friends ' next time. 

Not once was it made clear that requesting payment for a service would result in a seemingly mandatory hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on my credit report for XXXX XXXX card to be removed because of age with the credit bureau, XXXX and the collection agency XXXX XXXX. This item still has not been removed and XXXX XXXX sent a letter stating they have not reported to the credit bureau since XX/XX/2014. So how is this account not removed from my credit report when they are supposed to report up to date information?
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

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 shalli ) 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. 

Please remove the following items from my credit report, immediately : EXPERIAN : Name : XXXX XXXX XXXX Acct # XXXX Balance : - Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX 
Acct # XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX 
Acct # XXXX Balance : - Date Opened : XX/XX/XXXX XXXX : Name : XXXX  XXXX XXXX Acct # xxxxxxxxxxxx XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Acct # xxxxxxxxxxxxxxx XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Acct # xxxxx XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Experian 's implementation of the " security freeze '' feature ( mandated by law ) is broken, dysfunctional and impossible to use, be it online or over the phone. It's hidden and not included in a regular user 's account menu/features ( because they have a commercial alternative forced on you ). I had no problems using " freeze '' feature on XXXX or XXXX websites. I spend several hours today ( XX/XX/22 ) on Experian 's website trying, re-trying, looking for alternative means or options to freeze my credit report to no avail. 

Nothing works online ( main page with 4 primary choices - www.experian.com/freeze/center.html ) : 1. No way to check current status of the " freeze '' on my credit report!

2. No way to get a confirmation page and/or an email after submitting the form with all the details when requesting a " freeze ''. ( Under " Add a security freeze '' opton ) 3. No way to get a confirmation page and/or an email after submitting the form with all the details when requesting an " unfreeze ''. ( Under " Remove or lift security freeze option '' ) 4. Upon submission both pages gave various errors ( snapshot attached ) or empty pages ( with a logo, common header and footer ).

5. Tried calling XXXXXXXX, as error message suggested and was unable to speak with any agents. Very limited automated system only had 1 or 2 options to choose from and after trying all the options it offered I was unable to check the status of the freeze, whether it's active or not and no option to " unfreeze '', which should be executed within 1 hour of user 's request per regulations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following hard inquiries on my credit report : XXXX XXXX XXXX XXXX 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 XXXXXXXX I did not authorize these inquiries and I have no business relationship with these creditors. These inquiries have negatively affected my credit score and I request that they be removed from my credit report immediately. 

According to the Fair Credit Reporting Act, you have 30 days to investigate and respond to my dispute. If you can not verify that these inquiries were authorized by me, you must delete them from my credit report. Please send me a written confirmation of your actions and an updated copy of my credit report. 

Thank you for your cooperation and prompt attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I was initially denied credit by MEI XXXX to purchase a vehicle. I was given a Adverse Action letter showing why I was denied. I advised the Finance Manager that I had frozen my credit and from being viewed. I advised that I have proof of income which exceeds the required amount needed to secure the asset. After complaining to the company that the laws are being broken in this transaction, the agent of the company advised me that credit would be extended on the conditions that I provide a down payment. I advised the company that this is against the law. The Finance Manager stated that {$3500.00} would get me " Anything on the Car lot ''. I only had {$2000.00} and needed a car bad because my car was stolen on XX/XX/2023. The company knew I needed a car bad so I can live my life and made it extremely hard for me as much as they possibly could. On XX/XX/XXXX, I asked for my refund via phone call with the finance manager twice during that call. The finance manager stated that I needed to speak with his XXXX to get a refund. I advised the finance manager that notice to agent is notice to principal. He reiterated that all refunds come from the XXXX and that he couldn't help me. I sent an email to XXXX XXXX XXXX of MEI XXXX on XX/XX/XXXX in regards to refund. Money has not been returned as of today. 

I sent email communication to the manager XXXX to discuss my contract and to request refund. XXXX advised me that the company is following all State and Federal laws. I advised XXXX of what happened at his location. I told him that his team would only allow me credit if I put a down payment in after denial of credit letter was generated. In my response, I stated that I wanted a refund of my down payment since the vehicle was returned less than XXXX from the time of signing the agreement. I wrote him to say that I had more questions as it pertained to the account and that in good faith I wanted the company to hold the vehicle until we can figure out the contract. I advised XXXX that the contract never clearly stated that I " owe '' a debt and I wanted more clarity to justify the numbers listed on the agreement. 

He replied that the only way to get a refund was to sign an agreement releasing liability. I paid the {$2000.00} before any agreement was signed. I clearly stated that I wanted a refund since they have the car, my private information, as well as my down payment. I thought returning my down payment was only fair until we get the contract situated. I have a receipt to prove I paid {$2000.00} for the down payment.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my report on XX/XX/2020 via email and mail. I never received the report. I again asked for to be sent to me on XX/XX/2020 and still have not received ANY communication from LexisNexis. They are violating my rights to my free report. I attached the emails I had sent to the address they have published on their website to request your report.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Mortgage

I was layed-off of my job XX/XX/XXXX and XXXX foreclosed on my first mortgage XX/XX/XXXX. I filed for Chapter XXXX BK on XXXX/XXXX/XXXX. 

The XXXX foreclosure was illegal, and had to be rescinded XX/XX/XXXX. About 3 years into the bankruptcy, my account was transferred to Seterus for servicing. I completed my Chapter XXXX BK plan and received my discharge on XX/XX/XXXX and the BK case was closed on XX/XX/XXXX. 

During the bankruptcy, all 60 mortgage/property tax payments were made on time and in full with Cashier 's Checks that were sent by priority mail with tracking. So I have documented that every single payment was sent and received in full and on time. Seterus agreed on XX/XX/XXXX that I was totally current in their Final Cure response. The BK Judge agreed that I was in full compliance and there should be no fees or late charges - and I got my discharge. 

Since the bankruptcy case, I have sent and documented and tracked all of the 22 payments I have made right up to XX/XX/XXXX. So, I have documented that the last 82 payments were made in full by Cashier 's Checks and received on time for my first mortgage - full contractual compliance. 

There can be no late charges or any other fees, and all I owe is the remaining principal. 

I am now selling my house, and I am in Escrow. I called and tried to get a payoff statement from Seterus, and they told me that they must review my bankruptcy file - and it could take as long as 6 months! 

Escrow is now talking to them, and twice Seterus said they would send the payoff statement to Escrow, but did not do it. For some reason, they are really dragging their feet, and this could obviously put my home sale in jeopardy and cause me great damage.
Product: Money transfer, virtual currency, or money service

- Cash App 's Incorrect Claim of Resolution and Case Mix-up Previous Complaint Summary : - Cash App account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Cash App support ( XXXX XXXX XXXX claimed resolution and closed internal case incorrectly ( referenced wrong case number XXXX ) - Actual case number XXXX remains open, dispute unresolved - Escalations pending : FTC complaint filed, XXXX complaint submitted, XXXX  Consumer Assistance notified Cash App 's erroneous claim of resolution and case mix-up indicate potential negligence and unfair practice. Requesting CFPB intervention to : 1. **Investigate Cash App 's handling of disputed transactions** 2. **Ensure prompt reimbursement of remaining XXXX XXXXXXXX XXXX. **Review Cash App 's internal dispute resolution processes** Consumer Details : - Name : [ Your XXXX XXXX - Cash App Username : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the Equifax Data Breach.I want these items Deleted from my Credit Reports effective immediatelly.I am attaching Proof that Equifax has admitted that i was in fact a victim of this Data Breach and Equifax has done nothing.Please help me Delete these illegall accounts from my credit report.And if they dont get Deleted it i will proceed with a Law Sue immediately.Im attaching all accounts to be Deleted Below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also i want all Hard Inquiries Deleted from XXXX, Equifax, XXXX from XX/XX/XXXX XXXX XX/XX/XXXX immidiately.Also i want only in all 3 Credit Reports this information Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX Im not retired please removed that from all reports.I work full time. 
THATS THE ONLY INFORMATION I WANT ON MY REPORTS DELETE ALL OTHER INFORMATION IMMIDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft through a data breach at XXXX XXXX XXXX. The accounts I have identified and notified Law Enforcement of on my credit report are truly fraudulent, I XXXX XXXX, do not relate to any of these transactions that were made or were applied for and resulted in hurting my credit score which I highly value. Despite prior disputes Equifax has not blocked, removed, updated or deleted this information pursuant to section FCRA sec 605B and 15 Code Section 1681, once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. These are the accountsIve identified as fraudulent to law enforcement : US Dept of Education : XXXX & XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX