23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

There are companies that will charge my card and when I reach out to cash app about its never handled and I always just loose out on the money and the only option that is given is that I can block the merchant
Product: Mortgage

We have been long-time customers of Chase Bank in XXXX, CA, who holds our mortgage, checking, savings, safety deposit accounts. We are even rated as a " Chase XXXX ''. For the last 7 years, we have been denied to refinance our property because they said we are not eligible because we did not live in our house. Not sure why this is a reason since it is our residence and we pay property taxes on it. So we have been paying a high mortgage rate of 6.35 %. Nevertheless, when we move back to XXXX in XX/XX/2016, we immediately went to Chase to refinance ( XXXX, mortgage broker ). They said it would take no more than 90 days and lock us in at a rate of 3.25 %. We provided an excessive about of financial and tax information and we are now going on over 8 months that the refinancing has NOT been approved. By the way, we have enough money in the bank to pay off the loan so the excessive requests about our personal finances seems unnecessary. We feel the bank does not want to refinance us since they would loss money. We believe this is unethical and unwarranted.
Product: Debt collection

I received a debt letter from a 3rd party company that was sold debt by XXXX. My account had been closed with XXXX because they locked it saying I had an inappropriate caption on a photo. They can't require me to pay membership fees for an account I can not access, so I set up a block on my bank account to stop the fees coming out. I have no business relationship with this 3rd party who was sold debt I don't owe, so I am not paying it.
Product: Mortgage

I have been trying to close my XXXX account for a year and they want me to come in ... XXXX XXXX and I can't come in so I feel like they are not doing what is fairl!!
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I used XXXX XXXX ( XXXX ) for an XXXX  problem back in the summer .I was billed {$680.00} and let them know that I was paying {$200.00} installments. They were ok with it. After I paid it off I received a letter from a collection agency CMRE that I owe {$280.00}. I called them and talked to a representative called XXXX and asked me to send my bank statements to prove it. That was XX/XX/2019. She told me I would receive a payoff statement. I have not received that payoff statement yet. The funds have cleared my account and there is no reason for me not to have received my payoff statement after 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX, XXXX Inquiry Date XXXX XXXX, XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX XXXX for over a year. Ive filed disputes with XXXX, XXXX, Transunion and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with Transunion and XXXX. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of XXXX, Transunion and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with XXXX  and Transunion and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This organization is in violation of 15 USC 1692 XXXX XXXX XXXX request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. This organization is in violation of Furnishing certain deceptive forms. 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. The false representation or implication that documents are legal process. I also requested that all non-mailable addresses be removed due to the fact that I'm unable to receive mail there. 

XXXX is in violation of Privacy Act of XX/XX/1974. Requested to have all charge-offs removed from account. A charge off is considered a certificate of indebtness which is factored to be considered income and must be removed. Law states it is illegal to report transaction history.
Product: Student loan

In XX/XX/XXXX, I received a letter from the student loan servicer Mohela that my student loan was discharged. 

In XX/XX/XXXX I notified them to ask why the loan discharge had not been reported to the credit reporting agencies. They advised me verbally over the phone that they didn't know when or if this would be done. 

I was told to simply provide the discharge letter when applying for credit and this should be sufficient. Two times I've been told until ot is showing paid that o would not be considered for credit with them. 

The mohela representative even told me they didn't know how to deal with credit bureaus. This seemed as if they would not make any effort to report the loan paid in full!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months I have tried to communicate with Experian in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XX/XX/XXXXif the following 3 accounts are not deleted by XXXX XXXX. I have already waited 6 months!! <P/>XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

I have sent multiple letters to CITI/CBNA to verify the debt they are reporting to all three credit beuares negatively impacting my credit worthiness. CITI/CBNA has never contacted me back with a validation or responded to my letters. The amount they claim I owe is {$1500.00}, and I have submitted many of disputes in XX/XX/XXXX.
Product: Debt collection

A collection agency called me trying to collect {$17000.00} from a bank of america visa card debt from back in XXXX and yet nothing reported to XXXX for XXXX plus years until now. I am XXXX XXXX XXXX and XXXX living on XXXX XXXX XXXX living in a tent out in the woods and no way to fight these alligations. I don't know what to do. I am on extremely long waiting lists for housing and this will ruin my chance to get housing for 10 years. i will be dead before 10 years living in a tent. Please help.
Product: Credit reporting or other personal consumer reports

I found accounts and inquiries on my report that don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit reports and noticed the following unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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

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

Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

I requested for " Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development '' following FHA reporting guidelines. 

This is referred to as Final Settlement Statement ( i.e. HUD-1 and/or HUD form 27011 ) where the detail breakdown of funds distributed is disclosed with transparency to HUD, an official Government Agency. I requested this in my original complaint filed with CFPB but to no avail from XXXXXXXX XXXX XXXX. 

The response provided by XXXX XXXX XXXX is " This is a Conventional Loan. '' The Servicer simply sent a report of their internal accounting but that's not an official HUD/FHA disclosure.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

My credit card from JPMorgan Chase was hacked, with nearly {$1000.00} charged illegally against it. The criminal accessed XXXX XXXX and charged electronics equipment. Chase send me a new card, but that card was hacked also, resulting in about {$600.00} more charged to XXXX XXXX ( I think this is an inside job, actually ). I no longer have any faith in JPMorgan Chase to run a secure environment, and cancelled my account. I want to pay my final bill, but can not access my account for the earlier card, and my current card has a XXXX  balance. I owe Chase about XXXX, but I want to make sure that there are no more fraudulent charges on the card before I pay it. The company wants to keep sending me more cards, and all I want to to see my statement, pay my final bill, and leave them. This is a company I have dealt with for 10+ years, with a spotless record, charging hundreds of thousands of business expenses over the years. I am afraid that my credit rating is going to be adversely affected by this company because I have not paid my bill. No one is working there during the Covid-19 pandemic, it would appear. -- XXXX XXXX
Product: Debt or credit management

MERCANTILE ADJMNT BUR - Account XXXX XXXX First of all I never signed anything with this company, I do not know why they are on my credit report. I have filed a dispute, and it was updated that they are accurate. I do not know anything about this company, I never called or asked for their services. I want it removed immediately off my credit report, I was never given or sent any type of paperwork showing this is accurate. I want something shown that I signed a agreement with them to prove that it is accurate. 

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

On my XXXX account, I requested for the statement " disputed by customer " to be removed from all XXXX  credit bureaus but it's still on my credit files. This should be deleted immediately.
Product: Credit reporting or other personal consumer reports

It seems that FCRA XXXX mandates the removal of any erroneous accounts from my credit report. Would you mind checking the documents? There are discrepancies in the reported accounts, including incorrect amounts and dates.
Product: Debt collection

hello, XXXX XXXX  XXXX  ( XXXX XXXX XXXX XXXX XXXX  ) I disputed this debt last month but never heard anything. Since then the collection lawyer has sent my employer a wage execution, first this is embarrassing and second, i have tried numerous times to reach out to XXXX XXXX XXXX XXXX XXXX  when i was first notified again last month. i called everyday leaving a detailed message and not one return call. the name of the debtor is XXXX  XXXX  XXXX, who i have no idea who this is. the paperwork, does not give me the name of the original debtor, original date or any documents to prove this is mine. they are also using my married name XXXX from XXXX  and i was divorced in early XXXX. i have never ever used that name. I have also recently checked and cleaned up all 3 of the credit company and this debt is not on there any where. i even called and spoke to a customer service rep at XXXX XXXX and they couldn't find anything either. i already have my wages attached and i told them this via voice mail when i called and they still send a order to my employer. i am disputing this and they still are sending this to my employer. what am i supposed to do? i need proof this is mine, i need all harassment to stop while this is being disputed but they are not listening to me. i cant resolve something if i do not know what i am resolving. 

please help me. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lost my identity a while ago and when I learned about credit and pulled my report I noticed this account that is incorrect and I did not open the account. I would like the account removed and updated please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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.