23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hi. I hope all is well. I am writing this letter because I need your assistance in my situation with XXXX XXXX. I have applied for a student loan ( Smart Option ) and have been denied despite of having immaculate credit and high SCORE. XXXX XXXX apparently requests a cosigner but the point is that that I have always been taking care of my own issues and never relied on anyone. Age wise I am young but I am very independent, responsible and as I said I have always taken care of my issues myself and have always been successful. I am very persuasive, persistent and conclude everything that I start. I never leave anything halfway through. I dont understand some policies of XXXX XXXX. Student Loan is for people who are young and want to build a currier for themselves, If somebody has enough income to support a medium or big size loan ( As XXXX XXXX Requests ) why he or she should go to school and create a debt??!!! 

I am very anxious to obtain a loan and create a good future for myself and of course with your assistance I will achieve that. Federal Equal Credit Opportunity Act is very clear about loan issues and I believe XXXX XXXX is in clear violation of the said act when they request cosigner for no particular reason. Please assist me to resolve this issue of loan because I am very anxious to start my classes. I am already late due to this tug of war with XXXX XXXX. 

XXXX XXXX already placed TWO credit inquiries within my credit reports and these inquiries created an impossible situation with other lenders. Other lenders do not see the inquiries very favorable and most probably will deny my demand and if they place their own inquiries in my reports there will be further damage to my credit scores and as a result I will be damaged directly. 

I look forward to a positive outcome and if you need further information please do not hesitate to contact me through this email. 



Best Regards,
Product: Checking or savings account

I have an investment account with XXXX and was recently given notice that an unauthorized {$6500.00} payment was drafted out of my account. My account is overdrawn and I have been assessed many fees. Please help me. 

JPMorgan Chase Acct # XXXX Rout # XXXX XXXX XXXX XXXX XX/XX/1963 SS #. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX 2015 Citibank reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called Citibank earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.
Product: Credit card or prepaid card

I applied for Milestone credit card around XX/XX/XXXX upon receiving a pre approval letter. I have yet to recv the card. I have a physical and a mailing address that were provided to them, I am receiving all my of important and junk mail at both addresses but still no card. I called in XXXX and they reissued another card on XX/XX/XXXX. After several weeks I called again, they reissued on XX/XX/XXXX. I called on XX/XX/XXXX spoke to a rep by the name of XXXX id num XXXX and she has ordered yet another card and has provided me with the last 4 of the account num XXXX XXXXMeanwhile on my credit report it is racking up fees, reporting XXXX of a XXXX balance. The company states they dont do expedited shipping or have any resolution outside of mailing yet another card. Im not sure what they are up to, but it should not take 4 months to get a credit card in the mail. This week I have also sent a certified letter to the credit card company as well as alerted the XXXX. I asked can they close and remove account from my credit report, they stated no it would show as a closed account. I have other major credit cards and this is by far my worst experience yet!
Product: Credit card

Subject : Complaint Regarding Unauthorized Transactions on Chase Card with XXXX XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase and XXXX XXXX for unauthorized transactions that have occurred on my Chase card in late XXXX XXXX XXXX XXXX. I discovered several XXXX XXXX XXXX in transactions for merchandise that I neither expected nor received, all related to transactions on 3 of my credit cards including my Chase card. 

Despite my efforts to seek help and information from the merchant, I have been met with no success. Chase has unfortunately deemed these transactions as valid, a decision with which I strongly disagree. I am requesting all tracking information and any other relevant details provided by XXXX XXXX to Chase regarding these transactions. 

Furthermore, it is important to note that despite tracking numbers indicating that items have been delivered and received, this is not the case. I have not received any of the merchandise purportedly associated with these transactions. 

In addition, I have provided evidence showing that both my XXXX XXXX and Chase account were compromised, further substantiating my claim of unauthorized transactions. I have also sent emails to the merchant, who has been unresponsive and unhelpful in addressing my concerns. 

In light of these unauthorized charges and the lack of cooperation from the merchant, I have taken the step to file a preliminary police report. Furthermore, I intend to provide additional information to my local and state authorities regarding XXXX XXXX, as I suspect that my personal information may have been shared by third-party sellers on the XXXX platform. I firmly believe that I have been a victim of fraud and have received no benefit or service from this merchant. 

For context, XXXX XXXX is a platform that hosts various third-party sellers in an auction format. I am seeking the initiation of a formal investigation against XXXX XXXX to facilitate the recovery of the funds that were charged to my Chase card. 

To provide specific instances, one of my Chase cards resolved an {$840.00} charge related to XXXX XXXX, while my XXXX XXXX XXXX card resolved approximately {$6000.00} in charges linked to XXXX XXXX. I am particularly concerned about my other Chase card, which incurred charges totaling around {$18000.00} related to XXXX XXXX. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and assist me in resolving this issue promptly. Your support in recovering the funds and holding XXXX XXXX accountable for their actions would be greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/XXXX - I spoke to customer service and requested a manager. I was told that Freedom Mortgage had a problem with their mail system in XX/XX/XXXX where payments were going to another company. My problem was in XX/XX/XXXX where my payment was not received by Freedom Mortgage and on XX/XX/XXXX, I received a letter from Freedom Mortgage that they received my  original cashier 's check for my XXXX payment payment marked RETURNED-STOPPED PAYMENT. 

I emailed a letter to Freedom Mortgage on XX/XX/XXXX, with documentation of all payments sent ( copies of cashier 's checks purchased ) and correspondence received from Freedom Mortgage from XXXX - XX/XX/XXXX 

I received a response from XXXX Mortgage on XX/XX/XXXX stating " After reviewing your account, our research determines we are unable to honor your request to update credit reporting. The delinquency for XX/XX/XXXX is  accurate as reported. 

I purchase a cashier 's check every month around the XXXX or the month and mail my cashier 's check to Freedom Mortgage. This has worked well every month until XX/XX/XXXX. I have been informed of a mailing error from Freedom Mortgage in XXXX that payments have been received by another company. I think this mailing error started earlier than XX/XX/XXXX, because my XX/XX/XXXX payment didn't show up at Freedom Mortgage until XX/XX/XXXX. 

I have documentation to support everything I'm saying. I hope you can look into this matter and Freedom Mortgage will remove my XX/XX/XXXX late mark on my credit file. I'm looking to purchase another home and this error on Freedom Mortgages part is costing me more money for my new loan because my credit dropped from XXXX to XXXX. My mortgage lender is telling me that because of the lower credit score I am paying {$2500.00} more in points to get the same interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV, XXXX To : XXXX Dispute Department 1. DELETE XXXX  XXXX XXXX XXXX because of multiple inaccuraciesXXXX 1. it is a closed account that is still reporting current activity with failures to pay reporting in the Payment History section of this list on '' XXXX ``. 2. TranUnion is reporting that his charge-off Updated on XX/XX/2019 in the Status Updated section of this listing. However, XXXX is reporting that this charge off updated XX/XX/2019. in the Status Updated section of this listing. Which is it? This account is inaccurate. Please Delete Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Included is my dispute letter and a copy of my State Id, Social Security Card.
Product: Credit reporting or other personal consumer reports

am writing with the utmost urgency regarding multiple inaccurate and falsely reported items identified on my recent credit report. These inaccuracies must be addressed and removed immediately as they represent clear violations of federal law, including 15 U.S. Code 1681o and other provisions of the Fair Credit Reporting Act ( FCRA ).

Many of these inaccuracies stem from DEBT BONDAGE, and as such, I am invoking section 605C of the FCRA, which mandates the deletion of information from a credit report that results from such practices. Your failure to maintain reasonable procedures to ensure maximum accuracy under 15 U.S.C. 1692g leaves your agency potentially liable for negligence, as demonstrated in XXXX v. Equifax Information Services LLC ( XXXX XXXX 2018 ). 
Federal credit reporting laws require 100 % accuracy in reporting, and the items listed below fail to meet this standard. 
Enclosed with this letter are copies of my government-issued ID and utility bill to confirm my identity and residency, leaving no grounds for further delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian offered me a free annual free credit report, for XXXX, which will turn into XXXX as soon as i give them my card number. i am trying to get a loan to buy my home. i need to give the bank a report not a score but a report. how can you halp get my free report not just my score. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, through improper utilization of cybersecurity, allowed the personal data of myself and nearly 143 million individuals to be improperly accessed by non-authorized persons. Rather than issue a press release upon notification of the breach, Equifax allowed the breach to remain unknown to the public for 41 days, during which time Equifax executives were allowed to sell company stock ( see XXXX XXXX XXXX ). 

Considering the severity and potential impact of the breech, Equifax would have better served the public by doing the following : -holding a press conference upon discovery ( XXXX XXXX 2017 ) to announce the finding and intent to remediate the compromised services. This would allow initial questions to be asked and to get the word out to everyone as soon as possible so that they can take action to protect their identity and sensitive information. They would also announce their site where people could go to check to see if their data had been compromised and what to do if they had or not, listing their services as well as their competitors for issuing a fraud alert on their accounts. 

-Suspended operations on the compromised services until they were properly remediated. 

-Provided press release updates to the public on when services were expected to return to service, had returned to service, and when all services had been properly remediated. 

-Instead, by issuing a press release 41 days later, news of the breach was spread by word of mouth via social media ahead of more trusted news outlets and created greater scrutiny and erosion of trust between Equifax and the public. 

Stewardship of individuals credit history and the impact it can have to the public should be a constant concern to credit reporting companies.
Product: Mortgage

My FHA mortgage servicer, Loancare, completed a COVID modification and partial claim on my FHA mortgage in order to lower my payments. HUD required them to also add to the partial claim any actual and ANTICIPATED escrow shortage. However, they apparently did not do this and now they have issued me a bill for anticpated escrow shortage of {$2800.00}. This has raised my monthly payment back to almost what it was before the modification and paratial claim, thereby negating any benefit I received. Also, every single time I call to speak to them, they tell me the call volume is too high and refer me to their website or automated system. It's absurd and these people are inept and should not be a servicer for any FHA loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Credit card with XXXX which is an open end credit plan. XXXX is sharing my private property with outside third parties credit agencies with my authorization and consent. Which is against the Privacy Act & a violation of the Fair Credit Reporting Act. 
Title 15 U.S. Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not includeB ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. According to the Fair Credit Reporting Act This Extension of credit shouldnt be reporting to any credit agency.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXX ( a ) ( XXXX ). 
According to XXXX XXXX XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXX ( a ) ( XXXX ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXX ( a ) ( XXXX ), no person shall 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. Additionally, according to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting

After reviewing my Experian credit report I was very concerned to realize that I had XXXX negative listed that are all medical from the same company XXXX XXXX with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ). This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from XXXX XXXX stating that I owe the debt nor have they legally validated the debt after several disputes with them as well as Experian. I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX XXXX. This is also validated through XXXX the original debtor which I am including in documents. I have disputed the validity of this debt with Experian and XXXX XXXX multiple times. I do n't know how Experian Or XXXX would accurately or fairly verify the accuracy of this debt and still remain within HIPPA guidelines. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow Experian the promptly remove these inaccuracies from my report All account posted to credit bureau on the same day. 
XXXX XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$460.00} Origianl Debtor XXXX
Product: Credit card

I have a credit card through Citibank with a {$450.00} annual fee, Citibank mailed me a new card agreement right before my renewal date stating my annual fee would now be {$350.00} and I would have no late fee penalties and a reduced annual interest rate. After I renewed my account and paid the annual fee I received a letter from Citi stating that the previous letter had been in error and the fee was still {$450.00}. I called Citibank to try to resolve this matter and was told that they would not stand by the quoted annual fee. I feel this is a case of bait and switch that deceived customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to XXXX In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a respect for consumers ' privacy rights. XXXX and XXXX are prominent consumer reporting agencies, and I, as a consumer, possess the fundamental right to safeguard my private information. This right is fortified by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must consistently respect customer privacy and protect the security of their nonpublic personal information.

Within the framework of 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly outlined that any consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. Neither the financial institution ( referred to as " Furnisher of information to credit agencies '' ) nor the consumer reporting agencies, XXXX and XXXX, have obtained my consent, written or otherwise, to furnish this information. 

Further, 15 USC 6802 ( b ) ( c ) mandates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. However, the Furnisher of information to credit agencies never informed me of this right, thus breaching this statutory requirement.

Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my consent, which is a clear violation of the law.

Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that no person shall furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specific purposes. XXXX and XXXX appear to be in breach of these requirements.

Lastly, as per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. In light of the aforementioned violations and concerns, I am exercising my right to opt out of your reporting services.

In summary, the Fair Credit Reporting Act and related statutes emphasize the need for fairness, privacy protection, and consumer consent in the reporting and sharing of personal information, and I assert my rights accordingly. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

XX/XX/XXXX I reported my card stolen. I had XXXX on it. They agreed to cancel and send new. Well XXXX came and I still had no card.. and no way to access my funds. XX/XX/XXXX I was finally able to get into my account to see the shocker. It was negative almost XXXX. And then I see that {$600.00} stimulus was loaded on it and netspend kept that too. So XXXX XXXX is gone. Then I see a few days ago that {$1400.00} stimulus was deposited into the account and netspend blocked me out of it. I called. I argued I've fought. They said send documentation of identity. I've sent my ID 10 times not kidding. I've sent my social security card I've sent my car titles utility Bill 's insurance papers birth certificate 10 times. Each time they pick apart a reason why they wont accept it. I answered question about myself even the government wouldnt asl and they have flatly refused to release my money. I want it opened long enough to transfer my funds into my bank account that is it. And they refuse. I feel like they stole the XXXX and now my XXXX from the government stimulus check. They also sent me a message letting me know they took there fee out 7 times. Please I beg you please help me get those crooks to give me what rightfully mine. They have no right to hold it and I feel like I'm being exported.