23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries remain on my credit report after repeatedly filing FTC reports and disputing with Equifax. Equifax has failed to furnish proof these inquiries belong to me. Equifax has failed to act on a filed FTC Report. Equifax has failed to complete a FULL 30 day investigation. The investigation lasts no more than 12 hours. I have filed multiple CFPB reports for the same complaint. No action has been taken.
Product: Mortgage

Throughout my home refinance application process Chase Mortgage Loan/Underwriting personnel acted in " bad-faith '', committed over-reaching in requiring irrelevant personal information unrelated to my creditworthiness, acted capriciously both over the phone and in email messages and misrepresented information to me. After 2 1/2 months and numerous personnel being involved even at the Executive level I was informed Chase was denying my loan for " business reasons '' I objected to this and will refuse to accept my {$500.00} deposit they have returned to me until this is resolved to my satisfaction. 

Additionally, and after the fact, Chase sent me a letter advising I had " withdrawn '' my application which is false, potentially libelous, and misrepresented the facts. This has caused me financial damages in having to secure alternate financing at a higher rate than conditional approved of by Chase. I have also incurred additional time and expense in prosecuting this and a corresponding Complaint with the Office of  Comptroller of the Currency in case # XXXX. As long-term Chase customers with previous and current loans and multiple deposit accounts this conduct and their " bad-faith '' denial of my loan is reprehensible and unacceptable. Chase Mortgage Lending actions have also called consequential financial damages to my ex-spouse as she incurred penalties related to securing her separate financing with her own Chase loan. She is filing her own OCC complaint as well as an affiliated and party to this transaction as her legally entitled funds were a part of my refinancing efforts.
Product: Credit reporting or other personal consumer reports

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

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

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( 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. 

XXXX U.S.C. XXXX ( 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 or prepaid card

I have been dealing with an Ongoing Error In Payment History Reporting with Total Visa listed as XXXX XXXX XXXX XXXX XXXX on my XXXX and XXXX Credit Report. On my XXXX and XXXX Credit Reports, my account is showing an erroneous 30 Day Late Payment now in XX/XX/XXXX. However, there were no late payments in XX/XX/XXXX at all. Prior to the company 's last update in XX/XX/XXXX the listing was showing correct with zero late payments listed at all. The error was resubmitted when they did their last update and added a 30 Day late payment in XX/XX/XXXX. As of XX/XX/XXXX when they attempted a force update to correct the error, they changed the 30 Day late payment from XX/XX/XXXX to XX/XX/XXXX on both XXXX and XXXX. Although they keep making these errors they insist on me sending them copies of the errors that they have made to my report which I have done although they have the ability to do a soft inquiry which does not affect my credit score to look at what they are reporting. I have spoken with numerous Customer Service Representatives, Managers, and Supervisors from this company. The last Supervisor that I spoke with was XXXX XXXX on XX/XX/XXXX requested me to forward the emails that I had originally sent to the company 's main email address of XXXXXXXXXXXX to his email of XXXXXXXXXXXX. I did and he advised that he would get the issue corrected. However, as of whatever he or a company representative did I am now showing an erroneous 30 Day Late Payment in XX/XX/XXXX as of their update on XX/XX/XXXX. I attempted to contact XXXX on the telephone number that he provided and it advised that the number could n't take calls. I then emailed him again on XX/XX/XXXX and have yet to receive any response. I am tired of dealing with this issue as it is negatively impacting me, my credit score, and credit reporting as the company has a duty and obligation to report accurate information an in every instance that I make them aware they are reporting an error they have acted as if it is not a big deal. This issue was also causing me to be denied for a credit limit increase but as of last month I finally received my first credit limit increase. I have notified the company of this error multiple times via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Whenever the issue is corrected, they make the same error all over again and take me through the same process. I am in the process of purchasing a home which makes this worse and urgent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company of complaint XXXX For account for XXXX XXXX XXXX XXXX : {$8900.00} XX/XX/2019 My wife and I have been disputing an account on our file for months. ( Joint account t ) We have both sent in burden of proof with court and email documents that this account is over inflated and fraudulent. XXXX investigated my wifes file with proof, and had removed it from her file but yet still on mine stating its been verified which is false. It is joint account and should be removed from both at the same time. XXXX does not do a thorough investigation on files at all. Ive had disputes where one minute its under investigation and literally minutes later stating it has been completed and accurate. They have non American speaking reps to answer your calls and does nothing or understand a word you are explaining to them. You can not upload documents on their website XXXX out of XXXX times and making it hard to dispute. It has been removed from my wifes XXXX and XXXX and needs to be removed all together. 
This account has been removed from my XXXX a year ago but yet still fighting with XXXX and Experian. Why we have to have 3 to 5 bureaus to show your identity is insane.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX DOB : XX/XX/XXXX SSN : XXXX Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL RE : Request for Debt Validation To whom this may concern, it is important to note that this is I, XXXX XXXX and not a third party or credit clinic. 



This is a formal request for validation of the debt that I see reported on my credit report. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) & 15 US Code 1692 ( g ), I have the right to request validation of the debt you claim I owe. 



It is also important to note that this is not an admission of liability also according to 15 US Code 1692 ( g ). 

Please provide me with the following information for Account XXXX XXXXXXXX : XXXX ) The amount of the alleged debt. 

XXXX ) The name of the original creditor. 

XXXX ) Verification that you are Licensed & authorized to collect this debt in the state of Florida. 

XXXX ) A copy of the original agreement or contract that created this debt, bearing my wet ink signature. 

XXXX ) A detailed statement outlining the charges and fees associated with this debt, including any fees, interest or other charges. 

Under the provisions of the Fair Credit Reporting Act, I hereby insist that these items be thoroughly investigated and expunged from my report. It is my understanding that you will conduct a reassessment of these items with the relevant and necessary creditor. I kindly request the removal of any information that the creditor is unable to verify. As per 15 U.S.C. Sec. 1681i ( a ), I expect this investigation to be completed within 30 days of receiving this letter. 

Please send an updated version of my credit report to the address stated at the beginning of this letter. As stipulated by the act, there should be no charge for this updated report. Additionally, I request that you notify all parties who have obtained my credit report in the past XXXX months of any necessary corrections. 

I appreciate your time and assistance in resolving this matter. 

Until I receive this validation, I dispute the validity of this debt and request that you cease all collection activities until you provide the necessary documentation. 

Please respond to this request within 30 days. Thank you for your attention to this matter. 

Sincerely, in good faith and clean hands, XXXX XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

There is a derogatory remark on my XXXX score and this was paid several years back. The medical company and collection company were sending statements to an address I had not lived at for 15 plus years. They finally called me at my employer and I paid it right away.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Intervention and Review of Credit Reporting Discrepancies Dear Consumer Financial Protection Bureau, I am writing to request your urgent intervention in the matter of persistent inaccuracies in my credit reports as maintained by XXXX, XXXX, and XXXX. Despite multiple disputes and the submission of sufficient documentary evidence confirming the discharge of my student loans under the FSA Borrower Defense program ( Application Number : XXXX ), these agencies have failed to update their records accurately. This ongoing issue is detrimentally affecting my credit score and my ability to access financial products. 

Detailed Account Information and Dispute History : XXXX : Account # XXXX - Opened on XX/XX/XXXX, balance of {$10000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$18000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$1300.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$6100.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$12000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$30000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$4000.00}. 
XXXX : Account # XXXX - Opened on XX/XX/XXXX, balance of {$10000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$18000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$1300.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$6100.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$0.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$30000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$4000.00}. 
XXXX : Account # XXXX - Opened on XX/XX/XXXX, balance of {$10000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$18000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$1300.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$6100.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$0.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$30000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$4000.00}. 
These accounts were discharged due to recognized deceptive practices by XXXX University, and this discharge is supported by formal letters from Nelnet Loan XXXX, acknowledging the forgiven status of these loans. 

Enclosures : Discharge letters from Nelnet Loan XXXX. 
Copies of all disputes submitted to XXXX, XXXX, and XXXX. 

I request the CFPB 's immediate review and intervention to ensure that these discrepancies are corrected in accordance with federal regulations. Your assistance in this matter is crucial and greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Reporting Agencies : Equifax, Transunion & Experian Creditor : XXXX XXXX XXXX XXXX Account XXXX Account XXXX In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C 1681 section 602, I have a right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found this item still in my report. Your investigation did not fix error on my credit file.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims areunverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately :
Product: Mortgage

Athas Capital Group Inc. is advertising Business Purpose - DSCR loans on its Website to the public. My family would like to purchase a condotel in XXXX XXXX, SC ( note, a condotel is the same as a condo accept condotel units offer Hotel style short-term rentals ). Athas Cap advertises the type of business loan I need. This is why I chose Athas Cap.

My complaint is twofold concerning two properties. My 1st complaint is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. I went under escrow after I received Conditional Approval from Athas Cap. This property has since fallen out of escrow because Athas Cap failed to secure my loan. All that was left was to receive Clear to Close from Athas ' Underwriter ( s ) and upon receiving XXXX my Athas Cap Account Executive, XXXX XXXX, would notify my Title Company, XXXX XXXX, of the Clear to Close so then XXXX XXXX could schedule a Closing Date. The continuous promises by XXXX XXXX and Athas Cap went on for days, which turned into weeks, which has turned into months. The Seller provided extension after extension. It became well known amongst XXXX XXXX XXXX that XXXX XXXX was failing to provide loans as advertised. My understanding from an XXXX I know well is that, of his 12 loans, Athas Cap has only funded 1 out of 12. All others fell out of escrow, including his own, for failure to acquire the necessary funding. Each of these consumers, including my family, have lost our properties because Athas Cap falsely advertises a product to the public which they fail to provide. 

My 2nd complaint is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. This complaint is similar to above accept that I am still under escrow for the property. I fear losing this property because of Athas Cap. I request that Athas Cap either provide DSCR - Business Loans like they advertise or they are audited to find out why. If Athas Cap is found to be out of compliance then shut them down. Athas Cap does not serve the public 's best interest, erodes consumer confidence, and has negatively affected many homebuyers in the worst way possible -- not providing what it advertises it will do -- to the point where families lose their property.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 years on years this company has been harassing me with medical bills that do not belong to me the latest one at {$10000.00} medical bill that is absolutely named to a company that doesn't exist and any directory or any corporate Ledger XXXX XXXX XXXX XXXX XXXX 's is a new name for some other entity they probably made up to continue to XXXX and honestly get away with extortion. XXXX XXXX XXXX does not think of themselves as having to comply with any laws that the XXXX peep without there nor the fcra or congress. There are giant criminals with thousands of complaints across the internet and we continue to let them do business. this latest piece of extortion opened XX/XX/2020 is with a company I've never heard of nor have anything to do with or have signed any bill or promise to pay
Product: Debt collection

I received harassing phone calls from a debt collector by the name of " Eastern Account Systems '' based out of Connecticut trying to collect on an overdue account for " XXXX XXXX ''. It appears that XXXX gave out my personal information to this collection agency in an attempt to " phish '' for someone else 's delinquent accounts because we have a similar last name ( similar in last name ONLY! ) I 'm FURIOUS about this because for one - I did not authorize " Charter '' to release my personal information to ANYONE, and for two - they did not have " Just Cause '' to release my information. I want to know why this happened, and make sure that both of these Companies behave in a more professional manner by using accurate information - Also that they are not pursuing the wrong individual!
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called lexisnexis is preventing me from buying an umbrella policy based on the fact that a piece of construction equipment gave me a flat tire. See the report attached. XXXX should be ashmed that they treat customers this way as well. I want lexisnexis to remove the ridiculous report and XXXX to approve the umbrella for a XXXX year old PERFECT driver mom of XXXX kids with a PERFECT RECORD. This is TOTALLY ridiculous unsubstantiated and should NOT BE ALLOWED!!!!!!
Product: Credit card

In XXXX, XXXX. I contacted XXXX credit card due to having medical issues.to I was told my only option was to use their hardship program. Unknown to me I was under the assumption that the payments would be reduced. However, when I tried accessing my account online the company 's website does not allow me to do so. Asks me to reset password, then when doing so still denies me access. At this point I am unable to see any information on my balance, payment activity. 
My understanding this reduction in payment was to be temporary status. However in calling them on XX/XX/XXXX. I was told by the company 's rep XXXX that I no longer have access to my online credit card information as the " Account is closed ''. I never authorized the closing of this account when we discussed the hardship program. 
I was transferred to the XXXX XXXX XXXX XXXX me I have no access to my information. That the only notice will be sent by email with balance and due date. If I want to make changes on my account I need to call up to the company for them by phone to make changes. So literally this company due to make hardship status is trying to strip me of having any dignity. Because the close the account, close your online access with an outstanding balance, and limit you with rights to make changes. 
This company is unfair to consumers in need of assistance. I spoke to a Manager XXXX in collection and he agreed my account has limited control. Which is NO control. This hardship program is terrible. This company needs to modify it. I had no payment problems until XXXX to XXXX months ago. And asked for relief for XXXX months not a year. And never would have just Closed my account. 
I have attached screen shots of me attempt to access my online account with XXXX XXXX. If they are doing this to me- I can only imagine the other customers experiencing the same issue. This is unfair and takes person 's rights and dignity away.
Product: Checking or savings account

On XX/XX/XXXX, I noticed that my access code was changed, I recovered my password via text message. 
On XX/XX/XXXX, my access code was modified again, again I recovered my password. I was able to enter the bank 's app. 
When entering the bank 's app, I noticed that on XX/XX/XXXX and XXXX the amount of {$4900.00} was subtracted from my savings account in two XXXX transactions, on the XXXX for XXXX and on the XXXX for XXXX ( I HAVE NOT AUTHORIZED ANY OF THE XXXX TRANSACTIONS ) I called the fraud department and made the report once I noticed that I had been a victim of theft. 
On several occasions a stranger has entered my account making password changes, including phone numbers that I have not authorized, I have reported via email messages on behalf of the bank that seem fraudulent. 
The bank determined that my case did not proceed because according to its investigation these transactions were made from my cell phone ( which is not the case ). 
I need help to carry out a deeper investigation, I want to know what is happening and who is doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The four major credit bureaus, XXXX, XXXX, XXXX, and Experian are failing to list 2 credit cards that I have active and current on my credit bureau reports. 

The 2 credit cards are issued by XXXX XXXX XXXX. I have contacted the bureaus numerous times in writing to dispute this omission. They have done nothing, and still do not show these 2 credit accounts as open. 

One credit card is in my name. The other one I am an authorized user on the primary card holder 's account. 

I have also contacted XXXX XXXX XXXX  in writing, and they say that it is a problem, but that I have to have the credit bureaus resolve it, from here on out. 

The bureaus failure to list the 2 credit cards on my report is hurting my credit score, as these card accounts have been open a long time and I have never missed a payment on them. 

Please get in touch with all 4 major bureaus and make sure they start listing these 2 credit card accounts as open and current on my credit bureau reports. 

Thank you so much.