23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing this in hopes you can help keep a family in their home. My husband and I are hard-working taxpaying citizens. We came across some difficult times, and Chase Bank refuses to work with us, despite our best attempts to get current on our mortgage with them. 

This past year has been extremely hard on us. My husband lost his mother and his sister. This caused XXXX to miss some work. Because of this missing income, it became impossible to make ends meet. We tried our best to keep up. When we did have money to give to the bank, they refused it, saying we needed to pay everything right then. In just XXXX months, we were in danger of losing our home. 

When we said we couldnt pay that much money at once, Chase Bank said they would had an assistance program. We were provided a list of documents we needed to submit, which we did. This is where things went bad. Our paperwork was lost, misplaced, etc. multiple times. We would talk to a different person every time we called in, and they would always offer to send us information wed never get. Our application is sitting at Chase Bank, and our mortgage is getting further and further behind.
Product: Debt collection

I received a letter in a the mail about a debt I do n't recall. There were very little specifics. The address was correct, but the name XXXX XXXX is not correct. The most striking thing off all, was the charge-off date, which was XXXX/XXXX/2009. I was n't even of legal age to have that debt unless I inherited it. and still in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$2100.00}
Product: Debt collection

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

This debt was closed by original credit card people I HAVE NOT SIGNED ANYTHING STATING I OWE LVNV funding anything
Product: Debt collection

XXXX, who is either a Master Servicer, or a Default Servicer, by, and through XXXX from Clay Chapman Iwamura Pulice & Nervell, a third-party debt collector initiated a foreclosure lawsuit on XX/XX/XXXX, as Civil Action Case No. XXXX. 
Go to First, and Second Attachment. 
For approximately the last three years, XXXX, either a Master Servicer, or a Default Servicer, by, and through XXXX from Clay Chapman Iwamura Pulice & Nervell, a third-party debt collector, and XXXX has attempted approximately 5 to 8 times to have, and hold a foreclosure sale over the last three years. 
XXXX from Clay Chapman Iwamura Pulice & Nervell, a third-party debt collector, and XXXX is attempting again to have a foreclosure sale this coming Tuesday, XX/XX/XXXX at XXXX XXXX 
Go to Third Attachment
Product: Checking or savings account

I was double charged twice for a plane ticket by XXXX on XX/XX/XXXX XXXX I immediately called Sofi and explained for some reason I was charged twice on my Sofi Checking account for a plane ticket, with three separate charges each time from XXXX, of XXXX, XXXX and XXXX for a total of XXXX x XXXX which was a total of XXXX. I disputed one of each of the 3 transactions and Sofi quickly sent a credit totalling {$820.00} while refuting the claim. Almost 3 months later now on XX/XX/2024 I was denied my claim and Sofi took the 3 charges of out of my checking account under " Miscellaneous debit '' of XXXX, XXXX and XXXX totalling XXXX, while I had only XXXX $ in my account and they overdrafted my account XXXX $ and then took it out of my savings and put it in my checking account without my permission. The claim should not have been denied, I was clearly double charged and now my bank has double charged me again and overdrafted my account. You can clearly see I was already charged for this plane ticket back on XX/XX/XXXX XXXX when the charges posted. The customer service has been completely unhelpful and not understanding and the amount of time all of these things has taken is ridiculous. I need help to get my money back ASAP so I can leave this bank and never work with them again.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? 


Account Name : 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  This is grounds for removal. 


They also violated my rights under 15 U.S.C 1681 Section 602A. 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 an account without my written instructions 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more tan {$1000.00} ; 15 U.S.C 1681 Section 603 ( 3 ) ( E ) States ; The term investigation 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 other 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 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. 


15 U.S.C 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE OPENED THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX I HAVE ENCLOSED MY FTC REPORT
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXXXXXX XXXX, has reported unlawfully XXXX missed payments that has result in a decreased in my credit report. 
According to the Consumer Law 15 USc 1666b it is illegal to provide any late payment information to the reporting credit bureaus. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

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 I am writing to formally bring to your attention that I have been a victim of identity theft, resulting in multiple fraudulent inquiries on my credit report. These unauthorized inquiries were added without my knowledge or consent and require immediate resolution. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am requesting the prompt removal of these fraudulent inquiries to ensure the accuracy and integrity of my credit report.
Product: Credit card or prepaid card

I closed an American Express XXXX from XXXX 4 years ago with a XXXX balance. 2 months ago, I submitted a payment to another credit card using " bill pay '' option at my bank institution but submitted the payment XXXX XXXX XXXX  to the closed account by mistake. 

I have contacted customer service on more than ten occasions. They can not " find '' the account and hence can not revert the payment to the payor, even providing the transaction number provided by the bank institution.
Product: Student loan

Close to 9 years ago when I was on the income base repayment plan with  XXXX   XXXX   (  now Navient ), they talked be out of my best option and put me on forbearance. I was a civil service employee, had I stayed on the income-based repayment plan I would have been nearly done paying my debt. Now I have a massive debt that I have not even made a dent into. When i spoke to them about this years later, they just apologized and agreed that income based was my best option. I have also tried mailing forms that they have asked for to enroll in the plan, and they claim to not have received the forms.
Product: Credit reporting or other personal consumer reports

Collection from XXXX and XXXX XXXX XXXX or XXXX XXXX XXXX in the amount of {$840.00} is on mine and my daughter 's credit and it was included on a bankruptcy last year. Case XXXX. I have requested XXXX and Equifax to take this off my credit report and My daughter XXXX XXXX credit, but they have not. Please see the attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job due to COVID and was no longer able to afford my rent for a few months. I applied and applied to multiple rent assistance programs and they were all filled up right away and had to close early because they ran out of funds. Fortunately I was accepted by the CARES ACT who were going to cover my missed rent for the 3 months I couldn't pay due to COVID. I talked to my complex about the aid so they were up to date and understood the situation, even after them knowing about it they continued to harass me about the rent due and I kept receiving eviction notices on my door throughout the eviction ban even thought I gave them all the documents necessary showing I was getting rent assistance, proof of loss of income due to COVID etc.. This made the situation even more stressful. Before this situation I had never been late on a single rent payment and had always been a reliable, trustworthy tenant. 

I got an email from the XXXX CARES ACT saying that I had been approved for rental assistance! BUT my complex decided to deny the aid. After that, there was no way to have this decision changed. I would have to reapply when the next aid became available, which at that time there was none. Because of all this unnecessary stress I decided to move out to somewhere cheaper instead of renewing my lease in XXXX. They even kept my {$500.00} security deposit that I should of received back as well for maintaining the property in good condition. 

I again tried applying for multiple rental assistance aids to help cover what was due, but got denied multiple times due to no longer living at the address I was trying to get aid for. 

If the apartment complex didn't deny the payments this situation would of never occurred.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate Customer service and unfair Practices which violate Consumer financial protection, ( CFPA ). Specifically Cash app failed to take timely and effective Measure to prevent fraud and address on their platform Leaving my account, vulnerable and unprotected For the more the dispute process was unfair, Did not comply with error resolution requirements Under electronic fund transfer act, ( EFTA ) and regulation E. these transactions have caused significant financial losses And inconvenience. I see appropriate, addressing to the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a TJ Maxx on XX/XX/XXXX. At checkout I was invited to get 15 % off and told I was applying for points and it would be a soft pull. Minutes later, I got alerts that there were inquires. I alerted the store and synchrony bank. The bank told me to write a written statement about the incident and mail it. Weeks later I was told the inquiry was removed. However, last week I received a letter that there was another inquiry from synchrony bank. I have not applied for anything and this inquiry is on XXXX. I also filed for bankruptcy in XXXX and all past inquires should have been discharged, but they still remain. I am very concerned because I also got an alert yesterday of dark web activity for my social security number and license number. Please help.
Product: Credit reporting or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 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
Product: Debt collection

Credence Resource Management , LLC is a Debt Collector. XXXX, offer to resolve your XXXX XXXX account XXXX with a balance of {$99.00} for only {$59.00} if your payment is received in our office by XX/XX/year>. This is a savings of {$39.00}. You can also pay in parts. Call @ XXXX or XXXX : hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reply STOP to stop Credence Resource Management , LLC is a Debt Collector. XXXX, offer to resolve your XXXX XXXX account XXXX with a balance of {$99.00} for only {$34.00} if your payment is received in our office by XX/XX/year>. This is a savings of {$64.00}. You can also pay in parts. Call @ XXXX or XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reply STOP to stop Credence Resource Management , LLC is a Debt Collector. XXXX, offer to resolve your XXXX XXXX account XXXX with a balance of {$99.00} for only {$59.00} if your payment is received in our office by XX/XX/year>. This is a savings of {$39.00}. You can also pay in parts. Call @ XXXX or XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reply STOP to stop
Product: Checking or savings account

On XXXX  ( XX/XX/XXXX ), around XXXX XXXX. My grandmother and I went to the Chase branch located at XXXX XXXX XXXX, XXXX XXXX XXXX NY to deposit an intended original amount of {$9300.00}. There were four ATMs available, three were in a row, one was by itself. I used the middle one on the row. I started depositing bills without counting the exact amount and I did a total of four deposits on that middle ATM totaling {$6700.00}. So I still had to deposit {$2600.00}. I decided to move towards the ATM to my left, nearest to the window. I moved because this ATM took XXXX bills at a time rather than XXXX bills at a time like the middle one. I deposited {$2400.00} into this ATM, because I kept {$200.00} with me in cash. Then an error occurred with the ATM, and instead of confirming my deposit, it gave me a receipt telling me " to be sure your deposit went through, please call us at XXXX ''. Which I did at XXXX XXXX. and consequently followed up the next four days. I have filed two claims ( on the XX/XX/XXXX and XX/XX/XXXX ), and both were denied. The reason for denial was that the investigation team did not find the missing amount. They reviewed the footage and confirmed my presence at the bank doing the transactions on XX/XX/XXXX around XXXX XXXX The only solution they have provided me with is to send them more proof, however, the only proof I was able to get from the scene was was the error receipt, the conversation I had with the teller when this happened, and my grandmother as my witness. Attached find the receipt of my first four deposits, and the error receipt I received from my last deposit.
Product: Money transfer, virtual currency, or money service

( Block inc. ) due to adequate customer service and unfair practice which violates the customer 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 solutions requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I entered into a settlement with Wells Fargo for a XXXX credit card. When I made the final payment I was informed that it would take 45 days before Wells Fargo would contact the Credit Bureaus to inform them that the XXXX card was no longer in default. 

Is this normal? Why would it take 45 days to have the matter cleared up on my credit report.
Product: Credit reporting

Three years in a row I 've tried to receive my credit report online. Never had issues with XXXX or XXXX. Equifax is the only one that repeatedly will not provide my free report online. I needed to dispute inaccuracies on my reports that are being shown on various websites. I did that through XXXX, and XXXX just fine. I go to file an online dispute with Equifax and was denied access due to my failing of verification questions. The same thing that happens each and every time I 've ever tried to receive my free report online. I have to wait weeks for it to come in the mail, if it shows up at all. Upon submission, the page comes up with an error message that says, " the information you provided does not match our records. '' Well, the questions they asked were pretty straight forward. 1. ) Mortgage loan. - Well I 've never owned a home. Obviously the answer is none of the above. 2. ) Monthly payment of above loan - Well I do n't have one. Obviously the answer is none of the above. 3. ) Address associated with my credit - I know where I 've lived. 4. ) Auto loan I just paid off last month - I know what bank I 've been paying each month for years. YET! It tells me that information is wrong. Simply due to clear inaccuracies of their " records '' and now being concerned about possible identity theft I phoned multiple times to receive another free report in which I 'm ENTITLED TO BY FEDERAL LAW. Spoke with numerous people, through numerous departments, with even a supervisor and they REFUSE to give me my free report. They 're very quick to offer to give me one if I pay for it though. This is fraud, and breaking federal law ; and I was very concise in explaining to them the laws they 're breaking. It 's clear their " records '' are incorrect, contain inaccuracies, or I would n't have failed the verification questions. If I have evidence they are reporting wrong information, their records are inaccurate, or am concerned about theft, it does n't matter if I received my free report nine months ago ; I am entitled to another one from their bureau. After doing research, it seems this is common practice with Equifax just to get people to purchase another report. I smell a class action lawsuit coming in the foreseeable future, which is why I " audio recorded '' their associates refusing to provide me my report unless I paid for it. Their online error messages suggest solutions, which are quickly denied upon contacting them. They are reporting false information, and refuse to provide me with the required information to be able to dispute it. THAT IS ILLEGAL!!!!