23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On the first week of XXXX of this year, I received an email from Macy 's to review my purchases made last month, however, I have not made any purchases since XXXX of XXXX, because I only use the card when my family is visiting me from my country. Multiple purchases were made on XX/XX/, in different locations totaling {$1500.00}, purchases of {$450.00} in XXXX XXXX, one of {$780.00} in XXXX XXXX, and another purchase of {$280.00} in the XXXX all on the same day. I haven't had my Macys card since I took my car on XX/XX/, to a car wash in XXXX, California. When I noticed these purchases I immediately called Macy 's to report fraud because I did not get any fraud alert of multiple charges being made nor did I make them myself. For 4 months I had to wait for Macy 's to get back to me, meanwhile also having to be responsible for paying a higher minimum monthly payment because my total balance was past its limits, I was furious because I was being made responsible for making these payments on a balance that is incorrect because of the fraud that was committed. Afterward, I received notice that my claim was denied because the person who made it, made it incorrectly, this XXXX I called and re-filed a claim for fraud because I did not want to be made responsible for such a high balance I was not responsible for. And now on XX/XX/, my claim was denied due to insufficient information, and now it is affecting my credit but also my livelihood because I work hard for my money and struggle financially. It hurts to see that his company did not send any notice to make sure I was responsible for these purchases and normally when you purchase an item in person using the store credit card they check ID in person. I need to report that this is a violation of my rights as a consumer because i am not being assisted with the proper help I require as a loyal customer that I have been for years.
Product: Debt collection

US BANK AND XXXX XXXX XXXX IS REPORTING INACCURATE INFORMATION TO XXXX XXXX XXXX AND XXXX XXXX WHICH IS CAUSING ME TO NOT BE ABLE TO OPEN UP A BANK ACCOUNT IVE ASKED THEM TO PROVIDE ME WITH THE INFORMATION THEY USED TO VERIFY THE ACCOUNT WAS MINES ALONG WITH MY WET SIGNATURE AND ID VERIFICATION AND THEY FAILED TO DO SO I AM NOT LIABLE FOR THIS DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXXXXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX  ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXXXXXX XXXX )
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries and credit on my credit report that has nothing to do with me.I have done a XXXX report and I feel as if i am being taken advantage of from XXXX, Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX 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

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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.C. 1681s-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 card

On Wednesday XX/XX/XXXX I had a preapproval pop up in my Chase account while paying my bill that I was preapproved for a Chase Sapphire Reserve with a {$30000.00} limit and a welcome bonus of XXXX points with a {$4000.00} spend threshold within the first three months of account opening. I applied for the card, was accepted, and received my card in the mail later that week and began to work toward my monthly spend. The following week, I called into confirm the sign up bonus terms and conditions as I could find no notice of it anywhere in the welcome package or the online account portal. I contacted the customer service department on the number on the back of the card on XX/XX/XXXX at XXXX. The initial agent told me that I was not eligible for a sign up bonus and I had agreed to this via a pop up in the application process. I informed her that no such pop up happened, and there was reason why I would have continued with the application if it had, as the sign up bonus was the whole reason for the card. I also informed her there was no reason why I should have been declined ( as I had never received a sign up bonus from Chase for any reason ever, and had never had any of the Sapphire family of cards. She indicated there was nothing she could do and offered to escalate my issue to the marketing department. I asked for a more immediate escalation, specifically her supervisor. After 25 minutes on hold I was directed to a supervisor that said there was nothing she could do, she could not escalate the account issue, and there was nothing that could be done. I again expressed my displeasure and asked what my options were and if they could provide me with any proof that the pop up had occurred and that I had agreed to it. She could not and provided me an address where I could send a letter if I so chose to file a higher need with corporate. This is supposed to be a premier card with for premier customers and I was lied to and basically had {$750.00} of rewards bait and switched.
Product: Consumer Loan

Bank of America provided checks with my Equity Line of Credit. The XXXX check ( # XXXX ) was deposited into the payee 's Bank of America account. The XXXX check ( # XXXX ), made out to the same payee, was rejected by a branch of Bank of America ; the reason, " REASON-S ''. My primary concern was to have my rejected check ( # XXXX ) stopped permanently since the payee refused to return it to me, but according to a number of representatives with whom I spoke, the " stop '' can only be executed for 6 months at a time and then must be renewed. Since my Line of Credit expires in 2019, I will have to reinstitute the " stop '' XXXX more time during the life of my loan. As you will see in the attached letter to an executive officer of Bank of America, the details are quite clearly stated, but this executive elected to pass it on to someone who never read all my documents and was attempting to simply get me out of the way. I 'm sure the bank has it in their power to clear up this problem, especially since it was their organization that submitted to me checks to use, without restrictions. If additional documentation is required, I will be happy to submit all that I have.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Vehicle loan or lease

My complaint is against JP Morgan Chase CEO XXXX XXXX the reason for my complaint I email him on my concerns on how his Executive Office handle my complaint against Chase Auto Finance and never gotten a response. On XXXX XXXX, XXXX and XX/XX/XXXX I filed an complaint against Chase Auto Finance because they fail to enter my truck payment in the system on time which cause me to have a missed payment on my credit report the details are in my complaints. The reason that I am holding JP Morgan Chase CEO XXXX XXXX responsible because they work for him and he should be held responsible for the two criminals that handle the investigation on my complaints which I inform him by email. I feel the two people that investigated my complaint was inconsiderate, XXXX  motivated, and they sabotaged the investigation. I also believe this was an retaliation on a complaint I made against Chase Auto Finance when I purchase my truck in XXXX when I inform Chase Auto Finance that the dealership lied about how much I made to get a sale but Chase had to cover themselves they sabotage investigation. The only reason I am contacting you XXXX XXXX I was advise to before I take further action against Chase Auto Finance and Executive Officer because Chase has really cause me to be very depress on this matter. If this issue is not handle correctly I will file a civil suit against you CEO JP Morgan Chase Bank CEO Mr. XXXX XXXX. I know I am a nobody and uneducated but I know right from wrong and how to treat people. XXXX XXXX remember XXXX XXXX was a nobody and uneducated but he change the world. I will email this complaint to all my family and friends just incase something was to happen to me I believe some of the people that works for Chase Bank just that evil. 


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

XXXX XXXX is reporting on all 3 of my credit reports I never have opened any accounts with XXXX XXXX I reached out to XXXX XXXX  asking them to remove this account from my credit reports. They were unable to locate any accounts with any of my information. Was told they are a prepaid card and dont report to credit bureaus but yet they have a account posted on my bureaus that is negative affecting my credit
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items on my credit report. I have reviewed my report and found several inaccuracies that I believe should be corrected. The details of the disputed items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/year> I was a victim of a home invasion robbery in which all my personal information was stolen. I began receiving letters from institutions about accounts opened in my name. and then a letter from XXXXXXXX XXXX and XXXX regarding a data breach. I'm not sure if the fraudulent accounts were a result of the data breach or the robbery. I sent the police report and data breach notices to the reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is reporting on my credit file that is negatively impacting my credit score : XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a response from you all about the credit agency complaint number XXXX. 

Unfourtunately, I believe that you all are allowing the bureaus to break the laws according to FCRA laws which state that the bureaus are suppose to response within a reasonable time frame of 30 days. Yet, they have not even responded until I sent a complaint via you all. Also you all know about the CARES ACT and this violates that as well. TransUnion was recently involved in a case for actions like this. 

There actions of not responding to me in a timely matter and keeping this inaccurate information that is not even mine on my report is preventing me from getting a safe and affordable place to stay for my family and I again.
Product: Student loan

ON XX/XX/XXXXXXXX  I received an email from Federal Student Aid Information Center requesting documentation that I submit a PSLF application signed by their Authorized Official, or with your corresponding W2s for XXXX  through XXXX, to have this employment period certified and your payments reviewed for qualification. 

On XXXX XXXX, I mailed and uploaded ALL Documentation to Federal Student Aid and to MOHELA. And no one has responded. And now my payments have started back up. which I can not afford because my husband just passed away XXXX XXXX 

I have been dealing with this situation since XX/XX/XXXX and my service provider MOHELA refuses to notify me about the forgiveness process. I have tired to contacted them on XX/XX/XXXX and XXXX XXXX and it been unsuccessful. MOHELA also has not processed my certification of employment that was sent in several times since XXXX 
COPY OF THE EMAILS RECEIVED : From : Federal Student Aid [ customerservice@studentaid.gov ] Sent : XX/XX/XXXXXXXX XXXX XXXX To : XXXX Subject : FSA Feedback Case : XXXX From : Federal Student Aid Information Center XXXX Date : XX/XX/XXXX at XXXX XXXX  XXXX Subject : RE : FSA Feedback Case : XXXX and in XX/XX/XXXXXXXX  I received this email- XX/XX/XXXXXXXX  Dear XXXX XXXX XXXX XXXX Thank you for contacting the U.S. Department of Educations ( ED ) Office of Federal Student Aid . 
We have received your inquiry regarding the Federal Direct Student Loan that is currently being serviced by MOHELA.

Your concern, as we understand it, is regarding your progress toward Public Service Loan Forgiveness ( PSLF ). 
MOHELAs records indicate that your loans, yields a qualifying payment count of XXXX toward the required XXXX  for PSLF. 
Once MOHELA determines that met the requirements for loan forgiveness, ED will provide the effective date of discharge so MOHELA can begin the process of discharging your loans.

ED and MOHELA are continuing to update payment counts. MOHELA will contact you when your payment count has been updated. Once your payment count is updated, please contact MOHELA to ask about it. 
Please note that if you are eligible for a refund of payments in excess of 120 qualifying payments, processing may take an additional 60 days for MOHELA to complete. Please log into your MOHELA.com account to verify your address. 
If you have employment that has not been certified, please use the PSLF Help Tool ( https : //studentaid.gov/pslf/ ) to search for a qualifying employer, learn what actions you may need to take, and generate a PSLF form. You will need to provide an email address for an authorized official who can certify your employment and sign your form. If you are unable to obtain an officials signature, W-2s or paystubs encompassing the period of time you are attempting to certify for PSLF are acceptable forms of alternative certification. It is recommended that you submit a new application annually. If you have questions regarding that status of a PSLF form, please contact MOHELAs Customer Service Department at XXXX.
Product: Credit reporting or other personal consumer reports

This is a request in accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) regarding a dispute I submitted via CFPB # XXXX on XX/XX/year> and the accounts listed below were VERIFIED : I have also sent a screenshot of my dispute. 

Trade : XXXX XXXX ( XXXX ) XXXX  : XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX The basis of my dispute remains that Experian Published/ Furnished these accounts without my written instructions. 
FCRA 602 states I have a right to PRIVACY.

FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions. 
I am now requesting in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ALL the records that will reveal the procedures used that led to the account to be verified. I also request the name of the person ( s ) you spoke with their Business Name, Address and Telephone Number. 
Experian illegally Published/Furnished this information on my credit report without my written instructions. I did not give Experian any CONSENT /PERMISSION and want ALL the accounts removed or provide the information that I am requesting under FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) within 15 days required by LAW or I may be forced to seek legal representation. 
Please do not send me any silly form letters. 
I am requesting specific information in accordance with FCRA611 ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with an representative at Chase Banking today, XX/XX/2023 concerning an email alert I received today from XXXX XXXX of a hard inquiry for credit. I informed the representative I did not apply for any account or credit line of any sort with Chase Banking and she said she will stop the application, mail me some fraudulent information and my credit report should reflect the correction with 30 days. I have placed an freeze with all three credit bureaus. I also spoke with an representative from XXXX who flagged the incident as fraudulent and directed me to this site make an identity theft report.
Product: Checking or savings account

Debit approved transactions thats was approved. Allowing the account to overdraft then later access fees
Product: Mortgage

To date I have formally requested both verbally and in writing to Select Portfolio Servicing INC that the XX/XX/2019 sale date be cancelled, as having a sale date while property is in ACTIVE MODIFICATION process and in in DISPUTE STATUS violates DUAL TRACKING LAWS set forth by the Consumer Financial Protection Bureau. After 12 written confirmations and verifications that SPS has received, there has been no action taken that will constitute SPS is abiding by C.F.P.B. Dual Tracking Laws. 

I am asking that the C.F.P.B. review and investigate SPS and XXXX XXXX XXXX  ( Trustee ), for this complete disregard for an abuse of the Federal and State Laws. 

The following is a timeline of written requests to postpone XX/XX/2019 sale date : XX/XX/2019, XX/XX/XXXX, XX/XX/1919, XX/XX/1919, XX/XX/1919, XXXX XXXX19, XXXX XXXX,19 XXXX XXXX, 19, XXXX XXXX,19, XXXX,19, XXXX XXXX,19, XXXX XXXX, 19. 

The following dates for verbal requests to postpone sale date : XXXX, 19- SPS Rep XXXX XXXX- I verbally requested to cancel sale date of XXXX, 19 and stop dual tracking violations while in review, active modification and in dispute status. 

XXXX, 19-SPS Rep XXXX XXXX I requested sale date postponement in regard to dual tracking violations. I was told that I had been given a repayment plan but I had not received it yet in the mail. By law I should be given time to receive SPS repayment plan and respond. In good faith, there should not be a sale date while this decision is being made. 

XXXX XXXX,19-SPS Rep. XXXX XXXX- I received the repayment plan with SPS enormous payments of {$5300.00} with monthly payments for 12 months and a balloon payment of {$320000.00} due. My original payment I defaulted on in the first place was {$1500.00}. I was told that if I did not accept the repayment plan that I would lose the property. 

I was also told that the file was in dispute status, which I am still waiting for an answer to and again requested the XXXX. XXXX, 19 sale date to be cancelled as per dual tracking violations. SPS has shown no accountability for their repeated violations of dual tracking while in dispute status and active modification and not allowing me adequate time to review disputes. 

I appreciate all of your efforts ...
Product: Credit reporting, credit repair services, or other personal consumer reports

EARLY WARNING systems reporting inaccurate erroneous information PAID ITEMS RE-AGED ITEMS INSCCURATE INFORMATION IDENTITY THEFT I have been denied bank accounts due to inaccurate erroneous reporting I have multiple inquires Multiple declines to get a bank account. EARLY WARNING has discriminated against me. EARLY WARNING if this is not removed I will have to move forward with CLASS ACTION LAWSUIT AGAINST EARLY EARNING FOR MULTIPLE VIOLATIONS OF FCRA AND NON COMPLIANCE WITH OTHER REPORTING LAWS. 

FOR ACCOUNT : XXXX XXXX XXXX  MISSOURI ENDING XXXX
Product: Student loan

I am trying to payoff or refinance my student loans. I first called XXXX and requested a 30 day payoff verification document on Friday, XX/XX/XXXX. On Monday XX/XX/XXXX I followed up with a written request for a 30 day payoff verification document. It is now XX/XX/XXXX, and I still have not received this document, which has prevented me from paying my student loan in full or submitting this document in my application to refinance my student loans.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX same as cash credit card at XXXX 's XXXX, XXXX XXXX XXXX, XXXX, OH XXXX on XX/XX/2024 in the amount of {$660.00}. I was denied for this card and after I contacted XXXX 's corporate office, they emailed a letter to me that they had contacted Equifax and that is why my application was denied. No reasonable explanation. I then called Equifax and spoke with a representative. She told me that I have excellent credit with a score of XXXX, no record of late payments and no outstanding balances on any of my credit cards. She said that XXXX made a hard inquiry that will stay on my credit report for 2 years. This has never happened to me. I feel that XXXX damaged my credit rating without justification and want this hard inquiry removed from Equifax and any other reporting agencies.