23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX my loan was modified. At that time, the balance was {$140000.00} with a balloon payment due on XX/XX/XXXX of {$130000.00}. All payments were made on time so imagine my concern, when I was advised the balloon payment due was {$130000.00}. No one at Regions Bank could offer an explanation as to why there was over a {$7000.00} difference. On XX/XX/XXXX I was approved for a new loan to payoff the balloon. The new loan finally closed on XX/XX/XXXX with a disbursement date of XX/XX/XXXX in the amount of {$140000.00}. Then I received a letter dated XX/XX/XXXX that my initial loan was in default and I owed a total of {$130000.00} ( consisting  of principal in the amount of {$130000.00}, late fee of {$100.00}, and interest in the amount of {$3200.00} XXXX If the total due as of XX/XX/XXXX was {$130000.00} and my closing was for {$140000.00}, where did the difference ( {$2300.00} ) go? The total closing costs were stated to be {$710.00}. And most importantly, since XXXX I faithfully and timely made every payment for 83 months ( a total of {$91000.00} ) and now I owe more than I did then.
Product: Credit reporting or other personal consumer reports

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. 
The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action.

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$56.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$840.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$26.00} Credit limit {$750.00} Highest balance {$1000.00} Pursuant to federal law statutes banks can not report late information to the credit bureaus..
Product: Mortgage

Chase bank pre approved us for $ XXXX for a home mortgage. We found a house for XXXX. We had our offer accepted. Then we started the process on XX/XX/XXXX. We filled out our mortgage application with chase. We were told 21 days was their guarantee for closing. We were advised that it was ok to close on our home ( we sold it and closed on XX/XX/XXXX ) During the process chase blamed COVID-19 for a ton of issues. We were not updated regularly and tasks kept being assigned for the same issues. ( Paystubs, w2s .... ) we sent all of the documents multiple times. The mortgage specialist kept telling us our finances were approved and that we were on track. We heard nothing for 2 weeks. Chase wouldnt return our calls and our paperwork expired. Long story short ... It is now XX/XX/XXXX and Chase informed us that they can not validate my wifes income as she is self employed as a piano teacher. I spoke with a manger and was essentially told that there is no way they can approve the mortgage but XX/XX/XXXX and that it would be a miracle if they did. Chase bank is terrible. I had to apply with another bank and have to be out of my house by XX/XX/XXXX. Its unreal. I would never recommend them.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding the inaccuracies in my credit report. Despite my submission, Experian consistently responds within 24 hours stating the accounts is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ). 15 u.s.c. & 1681i, which mandates a reasonable investigation of dispute. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 u.s.c. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$510.00}.
Product: Credit card

Synchrony Bank, during the month of XXXX 2015 closed my Banana Republic Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Banana Republic Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : Incorrect DOB - XX/XX/XXXX Incorrect Address - 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
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear Consumer bureau, Subject : Complaint Against CashApp Regarding Inability to Open an Account I am writing to formally request your assistance in resolving an issue I have encountered with CashApp, operated by Block , Inc . Despite multiple attempts, I have been unable to successfully open an account on the platform. I have followed all the necessary steps, provided the required information, and adhered to the guidelines, but my account creation has been consistently blocked without explanation. 

I have tried to contact CashApp 's customer support to resolve this issue but have received no clear response or solution. Due to the lack of communication and inability to address my concerns directly, I am reaching out to the Consumer Financial Protection Bureau for assistance in mediating this matter. 

I kindly request that the CFPB contact CashApp on my behalf to inquire about the issue and assist in resolving it so that I may be able to open and use my CashApp account as intended. 

Please find attached any relevant documentation, including screenshots of the error messages Ive received and records of my communication attempts with CashApps support team.

Thank you for your time and assistance in this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX.
Product: Debt collection

Requested validation of debt on XX/XX/XXXX, From Merchant Credit Guide Co, and received a response on XX/XX/XXXX. The response was only a print out of a bill of services that included protected HIPPA information. I feel violated that my HIPPA information was disseminated without my authorization and my signed HIPPA release form. Looking at my XXXX  credit report they have reported 4 times with 4 different dollar amounts with a different amount that is on the letter they sent me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX  XXXX ( XXXX  ) XX/XX/XXXX. 

XXXX XXXX ( XXXX multiple services ) XX/XX/XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

Mailed XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX certified mail. 
No answer both above the law. 
XXXX XXXX XXXX XXXX CARD CREDIT CARD Account XXXX reporting a credit card on my credit report please inmediately remove the aforementioned account from XXXX, XXXX and Experian. That information is incurate the info is inacurated and it was ruled out by the justice department of puerto rico by judgement by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Court case or file number XXXX POPULAR SHOULD REMOVE THE ACCOUNT FROM MY CREDIT REPORT INMEDIATELY.
Product: Money transfer, virtual currency, or money service

I opened a merchant account for credit card processing. I was instructed to immediately start processing transactions via manual keyed input. During this time i was also contestant instructed to upload company ID and personal ID to verify the account. I did this and was told repeatably that i was approved and everything was verified. When i would try to access my money from their system to transfer to my already verified bank account, i was again met with i needed to resend ID 's for account verification. A pending transfer from Paypal account to my bank was put on hold during this time and then later reversed and the money was frozen and put on hold in their system. I continued to take credit card transaction payments and once again i was told my ID checked out and it would be 24 hrs for the back office to make a decision to release the funds. I tried to transfer another amount from my merchant Paypal account to my already verified bank account and was again met with i needed to verify my bank account and company ID along with personal verification.So this transaction was now stuck in pending mode with a restriction on my account due to to many manual keyed entries and no card swipes along with pending ID uploads again. I was doing this bc they instructed me to go ahead and key in the card numbers till my swiper arrived.When i would call customer service they told me the system was down and it would be 24 hours before i could reach anyone to look up my verification approval. At this point i asked for a legal department and dispute resolution officer. I was told that there was no way to get in contact with such departments and was told to try in 24 hrs again. I called once again the next morning as soon as they received calls at am and i voiced my growing concern about the repetitiveness of the ID verification and now 2 pending holds my money transfer. I was put on hold while the call center lady asked a senior supervisor to approve the ID 's and release the holds. She came back on a said yes your all approved and free to move around with no restrictions. However the funds availability would yet be another 24 hrs and she said rest assured sir we are working on it. 4 hours later my account was once again restricted and i was asked again for further company ID and personal verification and all my transactions had been suspended and all money was put on hold or pending transfer status until additional company and personal ID verification was complete. This cycle has contained to repeat itself daily and i'm always told 24 hrs. Today they said it was going to be 30 days now before any of my money was going to be available bc thats just the way it works with them. The representative stated that Paypal was just a mere middle man in merchant processing accounts and the third party that they used for the transaction payments would further delay the process of money acquisition.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dropped my score 69 points ( From excellent to good ) for no apparent reason.

says " Serious Delinquency '' I have made no late payments EVER.

also says " Short Account History '' My oldest account was opened 39 Years, 9 Months ago. How can that be a short credit history?

The other two reporting agencies report my score as " exceptional '' I believe Experian is trying to " blackmail '' me into upgrading to a monthly $ account. 
I have free account only.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX  Account Number : XXXX Inquiry XXXX
Product: Credit card or prepaid card

I have received two 0 % APR promo rate Gold Mastercard offers from HSBC Bank USA as a pre-approved prospect. I accepted their second offer ( invitation XXXX ) by applying by phone XX/XX/XXXX. They did not make a decision at that time but sent me a letter that date stating they needed my signed tax return. I have never been asked by anyone but the government for my tax return and will not submit it to them. I consider this an unacceptable request. Instead, I promptly submitted a copy of my XX/XX/XXXX XXXX XXXX IRA statement ( attached ). I explained in my email to them I can withdraw the up to the full approximate {$260000.00} balance as income this year. I sent XXXX XXXX a copy of a statement of this IRA in the 4th quarter of XXXX and they used to to justify raising my credit card limit with them from {$8500.00} to {$13000.00}. XXXX denied their Gold Mastercard to me in a letter dated XXXX/XXXX. I consider their offer and decision incompetent. I want them to delete their hard inquiry on my XXXX credit report and send me no more offers. My XXXX score was XXXX, excellent, when they processed my app XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This Person ( XXXX XXXX Credit Card ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Product: Checking or savings account

XX/XX/XXXX for {$290.00} and {$9.00}. Ive been trying to talk to a manager since XX/XX/XXXX. Cashapp support representative just keep escalating the case as stated thats the only thing they can do. I provided receipts from company that took my money that it was fraud and my bank needed to refunded as the evidence they asked to be provided. They refunded me for {$9.00} but refuse to refund the charge for {$290.00} or have a manager call me.
Product: Credit card or prepaid card

Purchased a prepaid XXXX giftcard from XXXXXXXX XXXX XXXX store in XXXX, AZ on XX/XX/2022. The load amount was {$490.00}. The card was never functional. I called the toll free number on the back of the card on XX/XX/2022. I was told to photocopy and fax various documents which I did on XX/XX/XXXX. Approximately two weeks later I had not heard anything and called the toll free number for status. I was told the card ID that the company had given me was incorrect. At this point I disputed the charge with XXXX bank and asked for a reversal of the $ XXXX dollar charge. XXXX ultimately rejected my claim on XX/XX/2022 which forced me to re-engage with the prepaid XXXX issuing bank ( US Bank  ). I contacted them and was given the correct card ID number and a request to fax the same documentation again. I did as requested and called on XX/XX/XXXX for status. At this point I was told the copy of my driver 's license was not legible and I needed to re-fax this. I did and called on XX/XX/XXXX for status. I was told that the driver 's license is still not legible and also now I needed to re-fax a copy of my original sales receipt. At this point I have no confidence that this situation will be resolved. I've faxed perfectly legible copies of every document they've requested. Each time they come back with another request. It appears they're employing delay tactics. It's hard to believe a large, seemingly reputable bank like US Bank  would engage in such tactics but at this point that's exactly what appears to be happening.
Product: Credit reporting or other personal consumer reports

I obtained my most recent report I noticed that some things aren't complete and accurate on my credit report.I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A few days ago received a response from some not all credit bureaus telling me that the information was verified. But how? Please tell me how. And find out what was actually done.
Product: Checking or savings account

On XX/XX/year> I went into a chase branch to be added to my fiancs checking account to which i was denied with no explanation i then applied for an individual secure account and was approved to then later have it be closed by chase within the hour of me being approved and having it open pls note that this is the second time chase opens an account for me and without notice closes the account i want to have them open an account for me leave it open and not close it this is ridiculous that they approve it then close it with no explanation
Product: Student loan

I am extremely unhappy. my student loans got transferred from XXXX to Uheaa and my payment schedule is completely wrong. I called when it was transferred with concerns that the balance was reflecting higher then I last saw at XXXX after viewing my online profile. I was also concerned because I saw my loans split when it was XXXX lump with XXXX. It did show that XXXX sent my payments but I was concerned because it did not show I had one coming up. I was told I did not have one at the time and I would have one at my regular time in XX/XX/XXXX. Which for the past 8 years has been on the XXXX of the month. I left that phone call still unsettled. Now I get notices that I am late on my payment and owe a fee and my payments are due on the XXXX of the month. That does n't work for me as my other payments are worked around my loan payments on XX/XX/XXXX. Also It is not reflecting my recent payment that my online banking sends automatically on my due date of XX/XX/XXXX. My husband got a strange call to say his account number on his payment is wrong ... umm its my account he has one as well but as he just finished XXXX school his should still be deferred. And I ca n't find contact information because it leads you to dead pages. That lead me to your facebook reviews with many and I mean many other people dealing with the very same issues. This will be fixed and it better not reflect on my credit as this is a mistake on their part. I have been on time with payments for 8 years and then get switched without my permission and it goes all wrong! I am trying to sell and buy a home and this could hurt my family.
Product: Checking or savings account

XXXX Found {$1500.00} withdrawn on a seldom used checking account that had another person signature. I was directed to see a banker. She said she would check and let me know. It was probably a clerical error. 
XXXXWent to this person they had me sign form to investigate the withdraw XXXX email from Truist XXXX needed notary This person said sorry it was done XXXX Truist fraud claims said it was over 30 days reporting it so denied XXXX Went to bank again to see branch leader He said he would talked to his boss XXXX Went to bank again Branch leader said my claim denied. 

There was XXXX months before i found this mistake because the account was seldom used and we did use a check for {$1500.00} in the same month so I missed seeing I can not understand how they can refuse to correct this mistake The teller who did transaction is shown and the other person who got the {$1500.00} on a printout of the bank statement I did make a police report XXXX because I can not find out if this a crime.