23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I spotted a charge on my Chase XXXX credit card for the amount of {$700.00} to XXXX. I immediately called them on the XXXX and reported the fraudulent charge. I was told the the charge would be removed and I would not be responsible for it since that card has fraud protection. That card was canceled and a new card was issued. XXXX XXXX ( not sure of the exact date ) I notice XXXX charges to XXXX on the newly issued card that were not made by any card holders. These charges were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX for the amounts of {$10.00}, {$14.00}, {$39.00}, {$180.00}, {$18.00}, {$180.00}. I called Chase and told them there are more fraudulent charges on the new card. The looked into it and saw that the charges came from the original card which was canceled on XX/XX/XXXX. I asked how was that possible since i canceled it and they said sometime with XXXX the canceled cards still work. I was told that the charges would be removed from my account and I was not responsible. 
On XX/XX/XXXX I received a letter from Chase stating the the original {$700.00} charge I would not be responsible for, but all the charges from XXXX I was responsible for. I called them on XX/XX/XXXX to find out why I was responsible and they said they were unable to get in contact with XXXX to verify the charges, but since there was other charges on that card for XXXX the I had made, they are assuming all the charges were mine. I was able to get in contact with XXXX and they were able to tell me that the charges did not come from my XXXX account, but they could not tell me any information about who made the charges. 
I received a call from XXXX with Chase and she asked for screen shots of my XXXX purchases for the time frame in questions. Those were emailed to her supervisor immediately. She called back and asked if XXXX could provide an email stating that the charges were not from my account. I provided an email from XXXX stating that charges for the amounts in questions were not found on my XXXX account. I called Chase back on XX/XX/XXXX to see of they received the email, and they confirmed they did and the case was still open. I called back on XX/XX/XXXX and they said it was still open and to check back in a week. Called again on XX/XX/XXXX and they said it was still being investigated and that they would call when it was complete. A week later and no response, it has been a month since they received all the information they requested, and the issue has not been resolved yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX/TransUnionXXXX  consumer report Dispute Student Loans Student Loans amounting to XXXX of 8 accounts The current status of my account is not correct It states that I have late payments as of XXXX XXXX, 2022, that is not true. I have deferred the payments and have no payment due, see attached documentation from XXXX. There is no payment due. 
Can you remove the late payment tag? 

I have attached a copy of my report with the accounts in question below. 

Thank you for your assistance. 

Sincerely,
Product: Checking or savings account

There is an XXXX open in my name that I never knew of I am a victim of fraud and hacking so I been trying to get this stuff fixed I called key bank in XXXX and they said they will get back to me within 7 business days this was XX/XX/XXXX its now XX/XX/XXXX and still no help i tired to open an account at XXXX bank but no luck because they told me I owe another bank which is key bank I never had another bank other then fifth third I need help I dont know what else to do
Product: Debt collection

As a Member of the Class of the XXXX XXXX XXXX XXXX XXXX Breach and ensuing Identity Theft, my wife I and have had to defer all inquiries from debt collectors to this precedent ; none of the debts being collected against us are ours ( save for our first Mortgage, Federal Student Loans and XXXX XXXX XXXX ). Furthermore, I have an LAPD ID Theft Case ( # XXXX ) which needs to be taken into consideration. Together, these cases represent the significant reason why these debts originated and, to wit, why my wife and I should be absolved of them.
Product: Prepaid card

AMEX gift cards CANT BE USED online/buy gasoline/pay a gym membership. 
This was not disclosed on the vending rack. There is no way to know this as cards are sealed. Any tampering ( opening to read any insert b4 purchase invalidates and vandalizes the card per the reseller, when i checked after the useless purchase! ). 

I am a 20 year Amex credit card user. They are great with credit cards.. Had no idea their Amex branded gift cards are valueless as gifts or rewards due to so many restriction on their use.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Reported by XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/year> is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information and ensure maximum accuracy of consumer files. Additionally, the FCRA provides for civil liability under 15 USC 1681n and 1681o for willful and negligent noncompliance.

Requested Resolution : I request that XXXX conduct a thorough investigation and remove the inaccurate late payment for XX/XX/year> from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter XXXX result in further action to protect my rights as a consumer under the FCRA.

Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX - XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written authorization instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans showing late payments ; they have been refinanced and consolidated. However, they continue to negatively impact my credit and score since it shows 25 late payments. These loans are also from XXXX, in which most of these late payments should have already come off my report. They continue to report every year, which keeps making them current although the first reported date was in XX/XX/XXXX
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 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  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: Checking or savings account

Hello, I made some money on the investment this year, want to find a savings bank deposit some money get some interest, so I opened the Marcus in XX/XX/2020 online savings accounts, for {$17000.00}, in XX/XX/2020 for home in a hurry, I just want to take out {$5000.00} for urgent need, but in the evening my saving account is locked, call customer service to ask the reason, customer service didn't say anything, just ask about personal information, to unlock my savings bank account, log in to the bank on the net, I found that I transferred out of {$5000.00}, has been cancelled! I am very angry, I am a little confused, their money did not take the initiative to control the right, the bank to lock my account does not need a reason, I transfer some funds, the bank can take the initiative to cancel my practice, I do not understand this is my money or this is the bank 's money! I called again to ask, I was very angry to ask what the reason is, give me a statement, why do this? The customer service said that we need to verify your external link bank, the bank documents are my name of the bank! I asked how to verify, and the customer service staff said that the monthly statement of the bank should be sent to them, and then they can review it before I can continue to use my savings account. I said helplessness, it takes too much time, can I use email or phone online verification? The bank customer service says, can't, can send my bank monthly statement to them only, after they finish checking next, think to have no problem, I just can use my account again! I was very depressed, thinking is this my money or this is the bank 's money! It's like begging. It's not a good feeling! I said I used my savings account to pay my credit card. Why didn't you tell me yesterday that my savings account was locked and could not be used? Because log in the bank on the net, did not show any abnormal, also did not have any mail or message to remind me to can not use, however my reimbursement was returned like this, still paid extra fee, these losses who is to bear after all? My family is in urgent need of the money. What should I do? Personally, I have never met such financial institutions, such irresponsible treatment of their customers! Who will ultimately bear the cost of this incident? Marcus bank won't give me the use of my own money, I really have no way, feel so helpless! Hope to get your company 's help! thank you
Product: Mortgage

Mother passed away in XXXX. She had a house with a mortgage from XXXX. There was a will, I, her only child was to inherit the house ( and mortgage ). I began making payments. No lapse. Then, about 5 years ago the loan was sold to Bayview Loan Servicing LLC. To clarify, I do not live in the house my Uncle does. Since my moms death, all mortgage correspondence came to my home address where I now reside. After the loan was sold, I noticed my name dropped off the bill and when I called to see why I was informed that I appear nowhere and they cant give me any info on the loan. Over three years, I submitted copies of the Will, the Short Certificate of Death and the estate information. 
It doesn't take. In XXXX they sent an oddly addressed letter to my moms house ( never did that before ) demanding officially for information. I yet again submitted the documents in XXXX. Now, another letter has come to my moms house stating that the documents were insufficient and the foreclosure process will begin. 

I called today ( XX/XX/XXXX ) and after 45 minutes no one could tell me WHAT OTHER documents they required and could not answer my question. Instead I was told to write a letter in dispute that would then be reviewed by their legal dept and THEN they could let me know what more is needed. Ha. Will I have my house by then? 

Important to note : I pay extra on my mortgage every month which went to principal ... since XXXX took over, the are holding my extra money in a " suspense '' account! Of course, they can't do anything to change that because I'm not on the loan. 

This mortgage has a balance of about {$6000.00}. 

Also, discovered my mom 's deed is not in my name despite the estate set up and Will. I am on that and getting a lawyer to complete the transfer as I write this. 

I just feel like this company is really trying everything they can to get my childhood home! It's been absolutely unbelievable to deal with. Very shady practices indeed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint on Equifax, XXXX and XXXX XXXX. I sent Equifax, XXXX and XXXX XXXX a XXXX letter disputing information on my credit report and asking them to show me proof of the information on my credit report is accurate. The letter was sent back in XXXX dated XX/XX/2022. Under the federal law they have XXXX days to complete an investigation and XXXX days to let me know what information they have found during there investigation. It has been over XXXX days and I have not receive a response from Equifax, XXXX or XXXX XXXX. I've sent them a XXXX day to comply letter and I have not receive a response for that letter either. Below I have attached a copy of the XXXX letter and the XXXX day to comply letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Lease Agreement for XX/XX/XXXXXXXX XXXX XXXX VIN # XXXX Good Evening XXXX, My name is XXXX XXXXXXXX XXXX XXXX and I are currently serving XXXX XXXX in the United States Military XXXX, thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains, and we had previously spoken on the phone before about the SCRA End of Lease Liability amount of {$1700.00}. I would have an excellent repayment record. I made a mistake in falling behind, but since then, as you may have noticed I recently paid off that debt completely in full, but it is still showing up on my credit report as current. The amount should be showing XXXX since I paid it off in full. 


Would you or your company be able to delete the charge off now and mark it as paid off because that liability debt is paid off completely? I am planning to apply for a mortgage, and it comes to my attention that the current open payment on my record could hurt my ability to qualify. I honestly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a chance and opportunity and make a goodwill adjustment to remove the collection off my credit report. XXXX is a great company and I enjoyed the privilege of leasing a vehicle from them and will continue to do so in the future. 



Thank you for your consideration, and I hope you or your company will approve my request. 



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

This account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my Equifax and  XXXX  reports.   XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX 
  XXXX   XXXX   Date Opened:   XXXX  
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type : SECOND MORTGAGE 
Date Updated:   XXXX   
Payment Received:   XXXX  
Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   
Pay Status: >Account paid in Full; was
a Charge-off<
Terms:  $   XXXX   per month, paid
Monthly for 180 months
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in   XXXX   and in
 XX/XX/XXXX  for   XXXX  <
High Balance: High balance of   XXXX   from   XXXX    to    XXXX  ;  XXXX  from  XX/XX/XXXX  to   XXXX  
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX     XXXX       XXXX    XX/XX/XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Product: Debt collection

Recently, I discovered that National Credit Systems reported a debt to one or more credit bureaus without ever notifying me of the debt or providing me with proper instructions on disputing it. This action is a direct violation of the FDCPA, which mandates that debt collectors must provide consumers with certain information before reporting a debt to credit bureaus.

Specifically, National Credit System failed to adhere to the following requirements under the FDCPA : Notification of the Debt : Prior to reporting a debt to credit bureaus, debt collectors are required to notify consumers in writing about the debt 's existence prior to reporting it and give me the write to dispute. They are also supposed to notify me within 10 days and that did not occur. 

This company contacted me and lead me to believe they were the creditor and began sending me emails and calling me at all sorts of inconvenient times.
Product: Mortgage

XX/XX/XXXX, XXXX I applied for a Heloc through my lender 's app. Guaranteed Rate. I was denied. I called XXXX to inquire as to why I was declined. I have excellent ( over XXXX ) credit scores. I have very little debt. When a man ( XXXX ) answered, he put me on hold and when he came back after checking on my application, said I was declined due to " a county land use code that we do not accept. '' I had never heard of such a thing and asked for more information. He said the code was " NEC or Not elsewhere classified '' and that they don't do loans on properties with that code. I said I lived in a residential neighborhood in a single family home, and asked what would be considered a " normal ' code. He replied single family. I said that I thought there was some mistake. He said I would need to call my county to get it corrected. We hung up.

I called the County assessors office and spoke with XXXX She confirmed with her superior that my property is indeed coded with the county as " Single Family Residence ''. She offered to email me the property card to send on to the processor at Gauranteed rate. She did email that to me and we hung up. I called back immediately to the above XXXX number for guaranteed rate. This time after waiting for an answer for 15 minutes I spoke with " XXXX ''. I told him that I had an email proving that my property was not coded as NEC, but Single Family. He said there was nothing he could do. The information they get can not be changed. I asked how that is legal. They are offering financial loans to the public but they don't have to use correct information to process that person 's application? That doesn't seem right. I asked for a superior to call me back. He said there is no one that is a superior. That he literally had nothing other he could do for me. I again asked how I was to correct this mistaken information if the county had nothing to change? I asked to send him the property card by email. He said that there would be nothing he could do with the corrected information or the property card and the final comment he had was that this happens to A LOT of people that are applying and there is literally nothing they can do. This sounds like a company that has an algorithm set up in their approval data to lend to only a certain demographic that maybe my neighborhood is not part of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is the XXXX of XX/XX/2021 and navy federal has generated my closing statement for the XXXX. I made a payment today that will not be included in my payment statement even though I made it a day early before the actually closing statement day. I was told ( when speaking to an employee of the bank ) that the closing statement was produced on Friday which was yesterday the XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, the following accounts and inquiries on my credit report are fraudulent. In accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I respectfully request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report. 
Fraudulent Accounts to Be Blocked and Deleted : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy dismissed/closed- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy dismissed/closed- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy dismissed/closed- XXXX