23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My concern is with JPMorgan Chase & Co. 's inability to provide my Heloc loan disclosures in accordance with the Federal Truth in Lending Act and possibly the Home Ownership and Equity Protection Act of 1994. They acknowledged receipt of my application on XXXX XXXX, 2017. I should have received Heloc loan disclosures with my application and then should receive additional disclosures prior to the loan being opened. I do n't agree with non-disclosure. We talked about this before and it is not my job to think of the questions to ask about the loan. It is Chases responsibility to disclose all the information regarding loan details to me. Disclosure of info only after the contract is written, delivered, and under a 24-48 hour suspense to secure the loan is seemingly inappropriate and not in my best interest. Additionally, it may be in violation of the law.
Chase will not provide details of how the Heloc works. I need to see the terms in writing, terms like how many years can I draw on the loan, can I lock the rate in, If I lock can I reopen and draw more if not at the max loan amount? If they exist what are late payment penalties, etc., etc. I have asked everyone from chase involved in my loan process so far, to include their executive office department that called me today. A conversation, filled with poor attitude on their part, that concluded with resending a letter they ( she ) admitted will not have the disclosure information I have been asking for. ( note : info I 'm asking for is not in regards to the interest rate as I know the rate changes with the FED ) I have a right to know the basic terms like what 's allowed, what can be done and what ca n't, basically how the loan works. It should be visible and obtainable by all customers to validate fair and equitable treatment as well as be in alignment with the Lending Act. The summary on their website is inadequate and truncated ( missing pieces ) to entice people to apply for their loan.
Furthermore, under no circumstance should anyone be pressured under a short 24 - 48 hour window to enter a contract which could potentially cause the lost of their home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes l applied for credit reason and was sent a denial letter based on 38- serious delinquency and public record or collection filed 10-ratio of balance bank revolving or other rev accts to high 18- numbers of account with delinquency 14- length of time accounts have been established while l don't have anything that should state that l have anything on the public record and if l do it should have been move a long time ago l tried to call to speak to a live person but are not able to get anyone as they are so fast to get you denied but can't answer the phone as the letter stated to contact them the number l been calling is XXXX the recording doesn't give you the chance to speak to a live person
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following unauthorized credit inquiries appearing on my TransUnion credit report. These inquiries were not authorized by me, and I demand that they be deleted immediately as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The inquiries in question 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  As per the FCRA, you are obligated to ensure that all information reported on a consumer 's credit file is accurate and verifiable. Unauthorized inquiries constitute a serious violation of my consumer rights and, if not removed, may subject your agency to liability for non-compliance with federal law. 

Furthermore, the presence of these inquiries on my credit file, if not authorized, represents a potential act of fraud or identity theft. I have attached a copy of the Federal Trade Commission ( FTC ) Identity Theft Report as supporting documentation to substantiate my claim. This document demonstrates my diligence in addressing these issues and provides further evidence of the fraudulent nature of these inquiries. 

Failure to delete these unauthorized inquiries promptly will result in the following actions : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Exploring legal remedies, including seeking damages for violations of the FCRA. 

I demand written confirmation that these inquiries have been removed from my credit report, as stipulated under 15 U.S.C. 1681i. I also request a copy of my updated credit report once the deletions have been made. 

Please be advised that any attempt to retain these unauthorized inquiries on my report without sufficient evidence of my consent would be interpreted as your participation in fraudulent activity and a direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the ER during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that m y credit score has ch anged ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.
Product: Credit reporting

CREDCO pulled my credit report unauthorized. I did not give this company verbal or written permission to pull my report. This company has abused my rights by pulling my report 2-3 times in one week.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be updated as soon as possible for they are greatly harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , inc ) due to the Inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) .specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected, furthermore they dispute resolutions process was unfair and deceptive, as they did not comply with era resolutions requirements under the electronic funds transfer act ( EFT ) and regulation E. These actions has caused significant. Inconvenience. And financial losses. and I seek appropriate redress for these violations.
Product: Checking or savings account

Cash app has no actual customer service to help it's customers which would be me. I have tried to contact regarding a refund I am deserving of. An unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my XXXX  ( just under {$700000.00} ) with XXXX XXXX, closing in XX/XX/2021. I made XXXX payments to Prosperity ( XXXX, XXXX, and XX/XX/2021 ) when I received information from XXXX XXXX XXXX XXXX ( XXXX  ) that my loan had been sold to them. I registered on their website for automatic payments in mid-XXXX but noticed that my XX/XX/XXXX payment didn't appear on my bank website. When I checked my XXXX  account on their website, it showed I was delinquent for XXXX, despite the fact that I paid XXXX in full to Prosperity. I called XXXX on XXXX XXXX and reported the problem. They said they would look into it. They said it looked like Prosperity had transferred the principal amount of my payment, but not the interest. I also reported this to XXXX  XXXX the same day and received an email saying they would investigate. On XXXX XXXX, I received an email from XXXX XXXX  ( with whom I have another loan ) reporting a negative report on my credit record. XXXX filed a delinquency for the full amount of the loan balance 12 days after I reported their error to them. I have been working with them since them but they have failed to remove the erroneous delinquency report from my credit record, causing my score to drop to very poor score. This seems to be a blatant violation of the Real Estate Settlement and Procedures Act, Section C ( 1 ), which provides for a 60-day grace period for reporting to credit bureaus. I have been in contact with XXXX XXXX from both Prosperity and XXXX but they have not removed this erroneous report from my credit record. I have made all payments timely. I am attaching email correspondence with XXXX XXXX showing that they acknowledge the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian offers a boost service that allows users to increase their credit score if they forfeit their data from banks. This service literally taps into every transaction that one commits from any given bank in the U.S. If an individual does not use the Experian boost program then their credit score is negatively affected. XXXX XXXX uses the average of Experian, XXXX, and XXXX. Naturally, if Experian is suppressing credit scores in order to promote their service Experian boost then this affects every American who wishes to purchase a home, apply for a new credit card, or even apply for a business loan. Experian has hurt many Americans by offering this free service. Americans are forced to forfeit their private banking transactions to a private company. This data can go anywhere, whether it be sold or harvested for profit, Experian is unlawfully suppressing American citizens credit scores.
Product: Student loan

In accordance with the fair Credit Reporting act XXXX Acount # XXXX, 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 602 A. States a consumer reporting company or website can not fumish an account with out my written instructions or Agreemnets.I did not Give experian.com or aidvantage.com my written consent To Report these Six late payment negitive items on my Cridet. Please help me! Experian is the only credit place that is refusing to remove these Items all The other credit place have removed my negtive Items from the reports.
Product: Credit card

received a late payment notification from Citi Bank. This card is used for emergencies only and I probably only charge XXXX XXXX dollars on it annually, so when I got the late charge notification, I checked online the activity. The card in question has ALWAYS been in my possession. 
Starting XXXX is when the fraud starts. There are XXXX charges for XXXX at XXXX XXXX on XX/XX/XXXX. XXXX more charges on XX/XX/XXXX for the same XXXX and XXXX charge for XXXX, XXXX, and XXXX at XXXX and XXXX for XXXX. On XX/XX/XXXX a total of XXXX charges at XXXX XXXX all at XXXX per. XX/XX/XXXX has a total of XXXX charges at XXXX XXXX for XXXX per. XX/XX/XXXX has XXXX charges at XXXX XXXX all for XXXX per. 
So, we have a total of XXXX charges at XXXX XXXX in 6 days... all for XXXX each. XXXX at XXXX and XXXX at XXXX. 
There are also 3 charges totaling XXXX to XXXX XXXX XXXX XXXX, which is a commercial cleaning company in XXXX, AL. I have spoken with the owner from XXXX XXXX, and the said that they are also a Citi Bank customer and they have also been hacked with people running cards through their system. Her name is XXXX XXXX XXXX XXXX ). She also gave me the number of the private investigator who is working on her case, we also spoke with. His name is XXXX XXXX ( XXXX ) I have contacted XXXX XXXX as well and they have opened two case at their loss prevention ( # XXXX and # XXXX ) It is beyond me how Citi Bank did not flag this immediately. 
I live in XXXX Pa and have never been to XXXX XXXXXXXX. Citi Bank did an investigation and stated that these we're done with a chip, and being the card was never lost, I am responsible. Anyone with common sense can see this is fraud. I have also attached the statements for XX/XX/XXXX and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am Writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle Several times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovery lost funds was impossible and that tracking these transactions were unfeasible The CFPBs findings that Zelle not only neglected to to protect customers but also allow repeat offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about customers, privacy and safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts appearing on my credit report are fraudulent : XXXX XXXXXX/XX/XXXX {$0.00}, XXXX XXXXXX/XX/XXXX {$890.00}, ALLY FINANCIAL XX/XX/XXXX {$0.00}, XXXX XXXXXXXX XXXX XXXX$670.00}, XXXX XXXX I reached out to the XXXX XXXX, and XXXX credit bureaus several times. The last correspondence was XX/XX/XXXX. I have received no valid response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is inserting the same account numerous times to my credit report as a harassment tactic. I have asked XXXX, as well as Equifax and XXXX to investigate these inaccuracies through certified mail on three attempts ; to no avail. Equifax shows the same XXXX account 3 times, while XXXX shows the XXXX account 2 times. I have tried to resolve this numerous times. I am being denied for credit because my credit report shows there are too many collections.
Product: Credit reporting

I checked my free credit report through TransUnion on XX/XX/XXXX. All information looked okay except for incorrect addresses and phone numbers ( very minor issues ). I filed an investigation to remove the data and TransUnion promptly removed the data. After sending me an email on XX/XX/XXXX to view the revised credit report, I find a public record from the XXXX ( Docket # : XXXX ). The record was n't on my credit report a day ago. According to TransUnion, the judgement was filed in XX/XX/XXXX, paid in XX/XX/XXXX, and updated in XX/XX/XXXX. It 's suspicious that the record just happened to show up in XX/XX/XXXX, one day after I viewed my free credit report. This record is definitively baseless. On XX/XX/XXXX, TransUnion gave me the opportunity to dispute any information online ( when they only displayed positive information ). On XX/XX/XXXX, TransUnion decided that I am only allowed to dispute further by mailing a form ( when they disseminate incriminating information ). For an agency that has such significant influence on my creditworthiness, TransUnion demonstrates a dangerous carelessness and/or recklessness for the maintenance and dissemination of my credit information.
Product: Credit card

The individual alleges that JPMORGAN CHASE & CO. violated their rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus without proper consent. They highlight several key violations : Violation of Privacy Rights : The individual claims their credit report, as non-public personal information, should be protected, and JPMORGAN CHASE & CO. failed to disclose their right to rescission.

Failure to Obtain Consent : JPMORGAN CHASE & CO. allegedly reported information without the written consent of the consumer, as required by FCRA Section 604.

Misrepresentation of Credit Payments : They argue that JPMORGAN CHASE & CO. misrepresented credit payments, potentially committing security fraud. 

Willful Violation of FCRA : The individual warns that any continuation of negative reporting would constitute a willful violation of the FCRA, demanding accurate reporting and correction of their credit report. 

Legal Action Threat : They threaten legal action if JPMORGAN CHASE & CO. fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days.

The individual asserts that their application is being traded as a security without their authorization. They emphasize that they have unequivocally revoked any consent for such trading activities. This unauthorized trading of their application is a grave violation of their rights and demands immediate cessation. 

Moreover, the individual cites specific sections of the U.S. Code to support their claims : 15 U.S. Code 1666b : Creditors are prohibited from treating payments on credit card accounts as late under an open-end consumer credit plan.

15 U.S. Code 1666d : If a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor must refund any remaining balance upon the consumer 's request. This refund should be made in good faith, and can be provided via cash, check, or money order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX. The following inquiry must be removed at once. It is not mine/never authorized/zero knowledge of. This inquiry must be removed at once and I have attached the CFPB report your credit bureau representative requested. XXXX BANK Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX. The following inquiry must be removed at once. It is not mine/never authorized/zero knowledge of. This inquiry must be removed at once and I have attached the CFPB report your credit bureau representative requested. XXXX BANK Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I Just recently took a look at my credit file because Im getting ready to purchase a home and there are a few things on my file that are not mine. Im not going to panic just yet but these account needs lo be taken off my credit CAF. Im doing this on my own and need some help. I sent a complaint to the FTC and the police. I also saw where my credit was ran alot and I have no! ran my credit these are the Inquiries that I dont know anything about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiry I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} EQUIFAX XXXX XXXX Date of inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times i have contacted capital one about inquires on my credit report which it was supposed to be deleted due to me not giving them authorization to run my credit as of XX/XX/2023 it ; XXXX more on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a follow-up complaint regarding fraudulent activity on my credit report. I have reported identity theft to the Federal Trade Commission ( FTC ) at https : //www.ftc.gov, with reference number XXXX. According to FCRA Section 605B, Credit Reporting Agencies must remove any items listed on an identity theft report. Attached are documents to assist in removing the erroneous personal information and inquiries. The items opened without my permission are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Bankruptcy - XXXX - Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$78.00} XXXX XXXX Bankruptcy - Discharged - Reference # : XXXX XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$78.00} XXXX  XXXX Bankruptcy - Discharged - Reference # : XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items resulting from identity theft within four business days of receiving the report.