23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage refinancing with Rocket Mortgage because the rates are so low. I was promised verbally that there would be no hard inquiry on my credit report. I was lied to. When I asked the representative about it, he said that he had not promised me a soft inquiry, lying to me again, and that I should have expected a hard inquiry when I gave him my SSN.
Product: Credit reporting or other personal consumer reports

I mailed a letter XX/XX/year> that transunion said they never received then I mailed a letter again XX/XX/year> and received a letter back from them today XX/XX/year> stating that they think the letters didnt come from me and if it did to call and verify my identity and the credit accounts and everything I mentioned in the letter that I would like disputed. I did that and her response was again that they looked at the letter and determined it came from a credit company after I sat on the phone verifying my identity, the letter I sent, the proof of identity documents I attached to the letter and everything in the letter that I wanted them to investigate so they could see that these accounts were due to identity theft and were not made by myself! She created a dispute of the inquiries on my credit report that werent made by me over the phone but not the collection accounts. I attached the letter that they responded to my letter stating that the letter wasnt me. And I attached some of the letter I sent showing the date and what I typed showing proof that Im the one who wrote and sent this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the actions of the 2011 Dodd-Frank legislation was the transfer of HMDA and CRA reporting for JPMorgan Chase Bank , National Association ( JPMCB ) to CFPB. However, I can find on CRA Reports for JPMCB or Chase Bank USA, N. A. since the JPMCB Large Bank Report of XX/XX/2013. ( By the way, this report was done by OCC and used Respondent ID : XXXX, however this was not the respondent ID for this bank at this time, it was XXXX. ) Even more troubling is the fact that I can find no CRA reports from any JPMorgan Chase and Company affiliate, subsidiary, or bank since the fraudulent XX/XX/2013 CRA Report. 
The Community Re-Investment Act ( CRA ) was created by Congress to ensure that large multi-national banks such as JPMCB are serving the needs of economically-disadvantaged inner-city areas and MSAs. It is clear that CFPB is not going to fulfill it's fiduciary responsibilities to ensure that both HMDA and CRA reports are available to consumers, but WHAT Else Is New? 
Attached is more detail information regarding this complaint. 
Thanks for your help. 
XXXX XXXX XXXX
Product: Mortgage

I applied to refi an existing loan in early XXXX. I submitted all the forms and paperwork promptly. Since then the bank is apparently losing my paperwork because they have asked me for the same documentation three times. I have left messages and sent emails and received no response and had to escalate to the mortgage banker 's boss who simply referred me back to the original person who was not getting back to me. A few weeks ago my file was referred to a processor who said my file was not exactly in order and he would help me move this forward. He gave me a list of documentation the bank needed. I went over the list with him and referred him to the emails and dates I had supplied the documentation to my previous contact. He asked me to sign the same IRS form I had previously signed which had been filled out by his company incorrectly. I offered to send more documentation and he said no, we needed to wait for the transcripts from the IRS. Today, I received an email from him asking for yet more information, most of it already supplied. A key point in this situation is that I am a current customer of this lender, I am refinancing less than XXXX the appraised value of the house, my annual income is equal to the value of the house, I have virtually no debt and a XXXX score of XXXX. This refi should be simple but it has been nothing but a series of frustrations since early XXXX. We are now into 90 days and I am concerned my locked in rate will be gone. It appears that I am lost in the shuffle of paper throughout a huge bureaucracy that has very little concern for customer service.
Product: Checking or savings account

I am writing to file a complaint against US Bank concerning their business checking account promotion. I opened a Business Checking Account ( Account number : XXXX ) with US Bank on XX/XX/XXXX, and I signed up for their promotion which required me to deposit {$5000.00} within 30 days and maintain it for 60 days to receive a {$500.00} bonus. 

On XX/XX/XXXX, I made the following deposits : A check deposit of {$1500.00} directly into the Business Checking Account ( XXXX ). 
{$3500.00} was transferred from my XXXX Savings Account to my US Bank Personal Checking Account ( Account number : XXXX ) on the same day, and then immediately transferred from the Personal Checking Account to my Business Checking Account ( XXXX ), bringing the total deposit to {$5100.00}. 
I maintained the balance of {$5100.00} in the Business Checking Account ( XXXX ) until XX/XX/XXXX, as required by the promotion. 

However, despite meeting all the deposit and balance maintenance conditions, I did not receive the promised {$500.00} bonus. Upon contacting US Bank 's customer service via live chat, I was informed that the {$3500.00} deposit made through the XXXX Checking Account was not considered as " new money '' and therefore did not count toward the promotion. I was told that only funds deposited directly into the Business Checking Account qualify as " new money. '' I disagree with this assessment. I transferred the funds from my XXXX Savings Account to US Bank, and while the money was temporarily deposited into my Personal Checking Account, it was then immediately transferred to the Business Checking Account on the same day. I believe this should meet the criteria for " new money '' as outlined in the promotion. 

I request that the CFPB intervene to help resolve this matter and ensure I receive the {$500.00} bonus I am entitled to, as I have met the promotion 's requirements.
Product: Credit reporting

I have sent a address affidavit to have all incorrect addresses removed from my file. My name is spelled wrong on my   XXXX   report as well. Please see the attached documents and correct the error as requested thank you for your time and concern.
Product: Checking or savings account

Wells Fargo is the company and I know for a fact a class action lawsuit was made against them! I called to inquire and got horrible attitudes and responses from the customer service team! They sent a copy of a XXXX dollar check and asked to speak to someone from the mediation team but they wouldnt give me a phone number nor send me to some type of email address or anything! I was a Wells Fargo customer back in 2015 and I know my accounts were hacked and compromised because of my credit reports! I need help moving forward or I will be in contact of an attorney if this doesnt get resolved
Product: Debt collection

I moved to XXXX from XXXX XXXX in XXXX of XXXX, in which I signed a lease at the XXXX XXXX beginning XX/XX/XXXX. In XXXX of XXXX after only living there a few months my father fell very ill in XXXX  and I had to pack up my things and move back to XXXX. Within 3 weeks, he died on XX/XX/XXXX. I communicated effectively to my property management company with what was going on and they comforted me that everything was fine and they could find someone to sublet my property for the remainder of my lease. Just a few weeks following, I had a reported collection on my credit report for the remainder of the lease due and an eviction notice which I was not even aware of until an old neighbor and friend found it on my door. At the time as a recent graduate with mounting XXXX  student loans and minimal active credit this completed wrecked any progress I've made. Fast forward to today, they have now filed a judgement in my name despite serving me with any paperwork, any calls to try and make a payment plan or any authorization that this would be escalated further. I have hired credit repair services, sent letters, tried to call and nobody can even seem to produce my original documentation. I was naive to believe that they would have helped me in a time of crisis. This is now effecting my personal credit as well as my business as I can not finance equipment for my practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that you are require to correct the accounts which are opened without my knowledge, consent or authority. I want you to investigate these following accounts as soon as possible. These are the following accounts that are needs to be corrected : XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$17000.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$20000.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1700.00}.
Product: Credit reporting or other personal consumer reports

I am writing in response to your recent decision indicating that you were unable to process my dispute due to an unclear or illegible request. I find this response unsatisfactory, as I was emphatically specific in my initial correspondence, outlining the inaccuracies that require investigation. 

I respectfully remind you of your legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that you investigate any dispute submitted by a consumer in a timely manner. I complied with the guidelines under the FCRA by clearly identifying the account in question and specifying the nature of the dispute. The details I provided included the following : Account Name/Number : XXXX XXXX XXXX Dispute Reason : identity theft, and account reporting inaccurate and incomplete information by failing to mark account disputed. 

This information was explicitly outlined, and I am confident that it met the standard for requesting an investigation. If there was any issue with the legibility of the request, I would appreciate specific feedback on which aspect of my correspondence caused confusion. However, it is my belief that this response is an attempt to circumvent the FCRAs requirements and delay your obligation to investigate. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the disputed information can not be verified, it must be removed from my credit report. I expect you to adhere to this provision and conduct a thorough investigation of the disputed information. Failure to do so constitutes a violation of your duties under the FCRA. 

Please initiate the investigation and delete the inaccurate information from my credit file. I would appreciate receiving confirmation of these actions. Should you require any further clarification or additional documentation, please contact me directly at the address above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

ii ask for mortgage assistance from chase because i was goin thru a financial hardship and i got denied
Product: Credit reporting or other personal consumer reports

Please remove these inquiries from my credit report ASAP. 
INQUIRIES ARE FOLLOWING : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I file this complaint to compel my student loan servicer, MOHELA, to process the attached Employment Certification Form in a timely manner. My employer and I electronically signed the Employment Certification Form on XX/XX/XXXX, using the PSLF Help Tool on studentaid.gov. Please see the attached. The Employment Certification Form was sent to MOHELA on XX/XX/XXXX. MOHELAs website states that it received the Employment Certification Form on XX/XX/XXXX. Please see the Documents Received attachment. MOHELAs " PSLF Payment Tracker page states : Processing your PSLF form may take up to 30 calendar days from the date your PSLF Form is received. For PSLF waiver payment counts to be updated or for loan discharge to occur, we must receive the approval from XXXX XXXX XXXX. After we receive the approval, it may take up to 90 business days to process this information. I was not seeking student loan discharge at this time, as I have not reached the required 120 qualifying payments. PSLF waiver counts are not applicable to me, as I always adhered to the original PSLF program rules. Thus, it should have taken MOHELA no longer than 30 calendar days to process the attached form, per its website. Accordingly, MOHELA should have processed my Employment Certification Form no later than XX/XX/XXXX, if its website is to be believed. In fact, the PSLF Help Tool is supposed to expedite processing times. That clearly has not occurred here. It is now XX/XX/XXXX. I would note that my employer has been determined to be eligible on numerous occasions for PSLF purposes per studentaid.gov, my prior loan servicer, XXXX XXXX, and even MOHELA itself. I have a qualifying direct consolidation loan, and I was always on a qualifying income driven repayment plan ( PAYE and now SAVE ). I have always worked for the same qualifying employer that has been approved numerous times. I worked for my qualifying employer full time for 40 hours per week. As of XX/XX/XXXX, which was the last approved Employment Certification Form I submitted, I had made 72 qualifying payments. Please see attached. Since that time, I have made an additional 12 qualifying payments as of XX/XX/XXXX, when my most recent Employment Certification Form was signed ( it is attached ). I should have 84 qualifying payments as of XX/XX/XXXX, which is the date the attached Employer Certification Form was signed through the PSLF Help Tool on studentaid.gov. And yes, my employer and I did everything correctly when using the PSLF Help Tool. My payment due date was the XXXX of each month at the time, so XXXX of XXXX  should qualify. I am on auto debt, so I have never been late with a payment. Processing this form should not be a complicated task. I request that MOHELA process my Employment Certification Form forthwith.
Product: Credit reporting or other personal consumer reports

I noticed my credit score has been continuously decreasing every month since the beginning of this year. I checked my credit report today and noticed there are XXXX late payments with Truist Bank. I have never heard of it or opened an account with Truist Bank. I called Truist bank, and they confirmed someone opened an account and card under my name and social security number. Truist bank confirmed there is a balance of {$11000.00}. However, they informed me that bank account was blocked and canceled by someone in XXXX. That someone, was also not me. The balance was never paid as I was never aware of this account since I did not open it. The the unpaid balance on this account as a result of identity theft has now significantly affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than XXXX years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have filed XXXX CFPB complaints on Equifax already about this and have several emails as well going back and forth for XXXX months of me trying to get this fixed. I noticed that my husband 's accounts and score were showing up on MY credit report, and on MY Equifax account. We have a mortgage loan together, and our social security numbers have always been reported separately. We never had this issue, even when we were coborrowers on a loan. We bought a XXXX XXXX from XXXX XXXX in XXXX XX/XX/XXXX and my husband was the main borrower, and I was the secondary borrower, but I pay the monthly bill. We are equal owners on the car ( just like our mortgage ). Since we got that car, Equifax has been putting my husband 's score/accounts on my report and Equifax account XXXX He even has a fraud alert that is tied to MY social security number. I can't apply for credit or installment loans because my identity can't be verified due to this issue. I have XXXX access to what my actual score is. I don't know what my credit report looks like. I got a notification the other day from credit karma saying all my accounts were removed and then re-added. I asked Equifax about this and as per usual- they stopped responding. XXXX XXXX swears they are reporting my social - to my name, and my husband 's social - to his name. But for some reason, this isnt getting fixed. Something is going on, and I have a right to an accurate credit report. This is NOT fair to do to someone. Especially to have it drag out for 6 months. Additionally, I called Equifax and asked that the fraud alert be removed, back in XXXX. It is now almost the end of XXXX and I'm still being told by creditors that there's a fraud alert on my account. Not only that, but it carried over to XXXX, from Equifax. XXXX, it says I have no active alerts, but I have lenders telling me when they run my credit, there is one. Now i don't feel comfortable ever placing one in case i cant get it removed. I dont care who is making the mistake, I just want it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like Equifax and XXXX to remove the remaining fraudulent accounts from my consumer reports.
Product: Student loan

Dear Sirs : I have just started a new job with XXXX XXXX as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My very first pay check starting this new job and I mean the whole paycheck from this work for the month of XX/XX/2018 has been taken and I mean all 100 % of it as a payment to Texas Guaranteed student loan! 

Ive made payments to them in past sizable amount to no avail ore even a dent ever made to the principal. They are an out of touch and carelessly, corrupt and unregulated because their interest rates are not realistic to student abilities to ever catchup and depend on small payments to sustain and prolong the misery to students. 

Also corrupt is the Treasury Dept willingly giving my entire paycheck to the pigs at Texas Guaranteed. The latter literally refers to 100 % without any warning or rule or regulation making it a reasonable percentage portion, but instead all of it was taken. Is there no percentages that limit amounts? How can it be the total earnings? Where is tax payers government when needed if our very Federal Treasury Department is doing this for rich corporations intoxicated by anything goes tactics?

I have bill realities to contend and attend to and one of them is insufficient funds and accumulating charges versus income and an appropriate balance to be kept. One of them is my son going to college himself this spring. 

The whole check of a months worth of work is gone without notice of its being taken or even a 40 % amount would have been impactful, consequential and resonable enough but the whole paycheck? 

Why has the federal government allowed this to be carried out as such? Versus a reasonable and understandable amount? The latter is counterproductive to domestic down to earth income and survival. Why did the federal government take a full income and feed it to a loan corporation in its entirety? Why was I mistreated to a 100 % garnishment? Is it some kind of a backwards lesson to an already vulnerable poor and lower class prejudice that clouds financial realities? Why do the treasury carry this out for a corporation when they could have taken a portion? 

Sincerely, XXXX XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding zelle 's handing of disputes, particularly in light of the recent CFPB lawsuit highlight significant issues with the platform.