23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XX/XX/XXXX - we submitted a mortgage refinance application with a chase home lending. Our current servicer. As of XX/XX/XXXX - all required documents were submitted and Chase required a {$500.00} good faith deposit. Indicating this was required to move forward and schedule an appraisal. The {$500.00} was charged to my XXXX. 

On. XX/XX/XXXX an appraisal was conducted at the subject property by a licensed appraiser hired by Chase directly. The report was furnished directly to Chase on or about XX/XX/XXXX. Since XX/XX/XXXX I have been requesting updates and requesting to see the completed appraisal to no avail. Only met with our processing team is reviewing At this point Chase Home lending is engaging in deceitful practices and not operating in good faith. The report has been in their possession for 10 or more days and they refuse to be transparent. The report can be reviewed, however, it is static and their only job is to upload. After several attempts at escalating Chase has failed to meet the consumers requirements and has established a trend of mistrust that seems to continually plague ( previous overdraft charge policy ) this organization and is creating consumer harm. Hey be delayed my processing and prevent me from pursuing other opportunities by holding funds and not acting in good faith. 

I also believe Chase Home Lending to be non-compliant in complaint logging and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the charges and collections listed on my credit report. I dispute the accuracy of the information provided by the credit reporting agencies and request that these items be removed immediately. 
XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account I am emotionally distressed by the presence of these negative marks on my credit report. They are affecting my ability to secure loans, housing, and employment opportunities. The Fair Credit Reporting Act requires that information on my credit report be accurate, and I believe that the charges and collections listed are not. 

I request that you provide me with evidence that these charges and collections are accurate, including documentation of my alleged agreement to the terms of the loans and credit lines in question. I also request that you provide me with information on the companies that have provided information to the credit bureaus, as required by law. 

Under the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe to be inaccurate. I expect that you will take prompt action to investigate and remove the disputed items from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This is my third dispute on this company XXXX XXXX XXXX. This company is trying to collect a debt that is not mine! They are playing games with my credit reports! I will dispute it with CFPB and the credit reporting agency will remove it because it 's not my debt! But then the XXXX XXXX will placed it in another credit bureau a week later! I 've disputed this from my XXXX, XXXX and now XXXX credit report! This is not my debt and I 've proven that I 've lived at my current address 2 years. I never authorized anyone to use my information to obtain credit or utility services! And they always place it in a credit report without giving me a right to dispute which is against the law. They have sent me no notices which is required by FCRA laws asking me if this is my debt before they place it in any credit file. The original creditor is XXXX XXXX and as I 've explained before I 've been living at the same address for 2 years and do n't have cable with XXXX XXXX at my address. From the information that I 've gathered, the account is a recent account that does not belong to me. Now that I 've disputed with all 3 major bureaus and CFPB 3 times I do n't expect to have to dispute again. And if I do I have record with you and my next step is a civil or class action lawsuit because I 'm sure that I 'm not the only victim they are doing this to. This is taking up too much of my time to have to dispute this ID theft repeatedly!!
Product: Debt collection

Credit Collection Service is collecting on a debt for XXXX insurance which was included in a Chapter XXXX Bankruptcy. This entry needs to be removed as it should have never been put on my credit report for collections. Again as stated before this is included in a Chapter XXXX
Product: Student loan

I attended  XXXX  from  XXXX  and I took out a private and federal loan to attend. This loan is very expensive and wont be paid off for decades.. the main issue I have is that the school is no longer active and I 'm paying for a degree that has no meaning or credibility.  Schools  will not Transfer my credits. My main concern is I do n't even feel like putting  XXXX  on my resume is benefiting me in anyway. Can I please get help and get this loan dischasrged!!! I 'm not even mad about the money, I 'm more made at the fact my degree means nothing and I wasted years!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. So, please remove this account.
Product: Credit card or prepaid card

While reaching out to JP Morgan Chase regarding fraudulent activity on my account, caused by a XXXX glitch, the physical credit card was cancelled with the intention of sending me a new card. I have been a happy customer of Chase for over 10 years prior to this situation. 

On XX/XX/2018 at approximately XXXX EST, before a new card was received, I was called by the JP Morgan Chase Collections department to discuss a 'Hardship ' arrangement to pay off the outstanding balance on the account. I spoke with the representative regarding the program and its benefits/pitfalls. During her disclosures I specifically asked, " Will this program 'Suspend ' my account ( meaning I would be able to use the account once it was in good standings ) or 'Close ' my account ( meaning I would have to re-apply for a credit card once my credit score was acceptable ). '' The representative quoted 'Suspend ' and in doing so I agreed to the terms of the 'Hardship ' arrangement.

In an attempt to purchase my first home I went to get pre-approved for a mortgage loan only to find out my credit score was so low that I couldn't be approved even with a co-signer. I requested more information and was told that my credit score no longer showed a 'JP Morgan Chase Credit Card XXXX ' With the hopes of getting more information, I reached out to Chase directly.

Initially Chase could not pull up my account because the card number I was using for verification had been cancelled and they had no record of the account ( Chase updated my account to show a card number I had yet to receive ). Once I verified my identity I was informed that : 1 ) It is company policy to 'Close ' the account when a customer enters into a 'Hardship ' arrangement EVEN IF a representative falsely claimed the account would be 'Suspended ' 2 ) There was no recourse to my account getting closed without my informed consent.

3 ) Chase does not provide copies of audio recordings or transcripts, they are for 'quality assurance purposes only ' and are 'Chase property, ' despite the fact that customers have to agree to be recorded to begin with.

4 ) Chase does not mail out contract agreement information, documents regarding the 'Hardship ' arrangement, or 'Right of first refusal ' forms.

In the last two weeks I have been repeatedly turned down when requesting an audio recording or text transcript of the conversation where I was offered the 'Hardship ' arrangement. 

Due to a lack of recourse I requested the 'Legal ' department or an address/name of someone I could send a formal request to. I ended up going through several departments with very little success until another Chase supervising rep ( ID : XXXX ) gave me the 'National Subpoena Processing ' address to request the audio recording. 

Important Information : Date of Offer : XX/XX/2018 Time of offer : Approx. XXXX EST Rep. ID # : XXXX National Subpoena Processing Mail Stop : XXXX XXXX XXXX XXXX XXXX . 
XXXX IN, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$0.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Mortgage

Late last month, as a response to the economic fallout of the coronavirus, the CARES Act postulated that mortgage borrowers with federally backed loans can seek forbearance for up to XXXX months, at the end of which they can get another half a year of suspended payments. 

As nearly XXXX XXXX Americans filed for unemployment benefits in the XXXX half of XXXX, the start of the new month, when bills usually come due, caught lenders somewhat unprepared to handle the influx of mortgage assistance requests. 

On XX/XX/XXXX, an email from Wells Fargo landed in my inbox. In part, it read, If youre unable to make your payment due to COVID-19 related hardships, were offering a XXXX-day payment suspension. 

So, I called Wells Fargo to ask for information, regarding my mortgage, I was offered to suspend XXXX payments without penalty XXXX months of forbearance. 

However, at the end of those XXXX months, all my mortgage payments would be due at once. I told [ the bank representative ] that didnt sound very helpful. I explained I had only called to see if there was a way for me to hold onto more of my cash should I be laid off. 

So, forbearance would grant me a XXXXmonth program ; at its completion XX/XX/XXXX, I will have to pay them approx. {$12000.00} [ or the ] equivalent of [ XXXX  ] mortgage payments. If I cant pay it now, where am I going to get 4 months worth. Im glad [ you are ] looking out for us. 

I told the rep I might as well just keep paying my mortgage on time. He said he could activate [ forbearance ] as a backup plan just in case I needed to delay a payment, which I agreed. 

But not sure I really had a choice.
Product: Credit reporting

I have filed numerous CFPB complaints since XXXX of this year about XXXX XXXX Card and Experian 's reporting of it, yet false reporting on my Experian credit report continues. Specifically, there are XXXX XXXX XXXX XXXX previous CFPB complaints about XXXX Bank XXXX # XXXX ; # XXXX ; # XXXX ; XXXX XXXX and XXXX XXXX XXXX XXXX previous complaints about Experian XXXX # XXXX ; # XXXX ; XXXX ), for a total of XXXX XXXX XXXX XXXX, separate previous complaints about XXXX them since XXXX of this year. 

Why has the CFPB allowed the false reporting on my Experian report to continue? 

On an Experian credit report for me dated XX/XX/XXXX ( report # XXXX XXXX, XXXX malignant refuse is scattered throughout the report. On page XXXX, a charge off from XXXX XXXX is shown in XXXX of this year. Yet, again, on page XXXX of the same report, XXXX XXXX 's dirty litter remains on my credit report, when it is shown that it received a copy of my report on XX/XX/XXXX 

In view of the systemic, wanton lying on the part of XXXX XXXX, XXXX Bank and Experian, as documented in XXXX complaints now, I ask the CFPB to sanction all XXXX of these bad actors in the credit, credit reporting, and financial services industries. 

All XXXX of these institutions should be shut down immediately, all of their receipts should go to a special master and they should all be fined heavily for their wanton violation of fair credit reporting laws. 

All reference whatsoever to XXXX XXXX in my credit report should be eliminated once and for all, and all sewage streams that continue to try to dump refuse about it into my report should be permanently XXXX and denied any further access to my report. 

Experian should be fined daily, with exponentially increasing amounts, for its failure to implement these corrections.
Product: Money transfer, virtual currency, or money service

i am to formally express my concerns regarding zelle 's handing of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issue with the platform. Despit using zelle numerous times and reporting discrepancies, my financial institution and 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 CFPD 'S findings indicate that zelle has not only 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: Money transfer, virtual currency, or money service

I am filling this claim against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate Redress for these violations
Product: Credit card

Dear CFPB, I am writing to file a complaint against American Express regarding the denial of my credit card application. I applied for an American Express credit card on XX/XX/year>, and my application was subsequently denied. However, I was not provided with a clear or specific reason for this denial. 

According to the Equal Credit Opportunity Act ( ECOA ), I understand that I am entitled to receive a notice detailing the specific reasons for the denial of my credit application. Unfortunately, the communication from American Express lacked this necessary information, leaving me without an understanding of why my application was rejected. 

I have reviewed my credit report and found no significant issues that would justify the denial. Furthermore, I attempted to contact American Express customer service to gain more insight, but I was unable to obtain a satisfactory explanation. 

I am requesting the CFPB 's assistance in resolving this matter. I would like American Express to provide a clear and specific reason for the denial of my credit card application, as required by law. Additionally, if the denial was based on incorrect or incomplete information, I would like the opportunity to correct any inaccuracies and have my application reconsidered. 

Enclosed with this letter, I am providing copies of the correspondence I received from American Express and a copy of my credit report for your reference. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit card

In XX/XX/XXXX, I applied for a healthcare financing credit card, and was approved for a {$5500.00} line of credit. I needed a reconstructive procedure that was {$6500.00} after insurance, so in XX/XX/XXXX, I requested a {$1000.00} credit line increase. I was approved for the increase, but instead of raising the limit on my existing card, I was issued an additional card for {$1000.00}. I made all of the qualifying payments on time, and even paid off the balance early. In XX/XX/XXXX, I was notified by mail that because I had XXXX accounts, XXXX of them would be closed. Inexplicably, the account with the initial {$5500.00} line of credit is the one that was closed, and the account with the {$1000.00} credit line increase is the one that remains open. The following week, I contacted customer service to restore my credit limit to the {$6500.00} for which I was approved. Both the customer service representative and her supervisor acknowledged that issuing the second card and closing the first account are their errors. However, neither was willing or able to restore my credit limit on the account that remains open. The only solution offered to me was to request a credit line increase on the remaining account. This would put a hard inquiry on my credit report for a year, and lower my XXXX score. All of this to correct errors XXXX Bank made, and with no guarantee that my credit limit would be restored to its previous level.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just getting old at this point. Experian is once again reporting improper information on my credit report that continues to drag my credit down but has yet to report credit payments made consistently on a {$22000.00} car that is {$9000.00} away from being paid off. They also still have not added that I have credit with XXXX XXXX XXXX and have paid off hundreds of dollars worth of equipment. But, once again they've managed to make another inaccurate claim that I owe XXXX wireless over {$1000.00}. THIS IS NOT TRUE and I have the paperwork to prove all of it. This collection activity was handled via XXXX who was the holder of the debt. This should have never made it to my credit report at all as a SETTLEMENT WAS ACHIEVED!!!!
Product: Credit card

I have filed a dispute with XXXX XXXX. I now can prove my charges were not real and I have asked you to call me and emailed several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting incorrectly and there are accounts that are reporting as a result of identity theft. Please correct the following inaccurate status and remove the following fraud accounts : Incorrect Personal Information : Names : XXXX  ( XXXX  ) Names : XXXX XXXX XXXX ( Equifax ) ; the correct is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ( Equifax, XXXX, XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( Equifax, XXXX, XXXX  ) The following status is inaccurate on the following accounts : XXXX - Opened XX/XX/XXXX Balance : {$15000.00} I was never 90 or 120 days late XXXX - Opened XX/XX/XXXX Balance : {$0.00}. I was never 30 days late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Opened XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  ) Bal : {$2800.00} XXXX ( XXXX XXXX ) - XX/XX/XXXX Bal : {$2900.00} ( XXXX  ) XXXX  ( XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX Bal. {$110.00} ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  ) Bal : {$3500.00} XXXX  ( XXXX  ) Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX XXXX Equifax ) Bal : {$120.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( Equifax ) Bal : {$260.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax and XXXX  ) Bal : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax ) Bal : {$160.00} XXXX  XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax ) Bal : {$120.00} XXXX  - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$100.00} XXXX  - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$360.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1200.00} XXXX - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$3500.00} XXXX  XXXX - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  ) BAL : {$0.00} XXXX XXXX  - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( Equifax & XXXX  ) BAL : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$2300.00} XXXX - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1000.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$0.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1700.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$0.00} UNAUTHORIZED INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX ( 6 TIMES ) XXXX XXXX ( 2 TIMES )