23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

12. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

13. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11 XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11 XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

15. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10 XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The accounts and other items that do not belong to me or that were opened without my consent are listed below. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$400.00} Medical XXXX Balance Owed : {$45.00XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. The FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a consumer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit card or prepaid card

I have had a US Bank account, of some kind, for more than 40 years. I have been satisfied with their service, until I received a deceptive offer to apply for a credit line limit increase. 

A couple weeks ago, I received a pre-approved credit line increase and was provided a special pre-approval code. My credit score, according to US Bank last week, is XXXX and remains unchanged. 

After deceptively enticing me to apply for this pre-approved offer, US Bank did a hard pull of my credit and then declined the pre-approved offer, even though my credit score remained unchanged at XXXX. 

Now, my credit score has, in fact, been damaged by US Banks intentional deception. This review has been submitted to the CFPB, the XXXX, and the Washington State Attorney General Office.
Product: Money transfer, virtual currency, or money service

I transferred {$1200.00} from my linked credit union checking account to the Cash App card I have, which I planned on using for rent. I did this on XX/XX/2020, after my XX/XX/2020 attempt to pay rent online was declined due to a clerical error ( incorrect bank routing number entered ). My intention was to use that card to withdraw cash to pay rent with a XXXX, as now required by my apartment complex. My credit union is XXXX XXXX XXXX XXXX ( where I used to live, in XXXX  ) and my current home is the XXXX XXXX XXXX in XXXX XXXX. My legal name is XXXX XXXX, but I go by XXXX ( hence my username on Cash App, $ XXXX ). 

Since my associated debit card was canceled around the same time ( my credit union sent me a replacement recently ), I assumed thats why the money didnt get to my cash app card. The company told me I had to have a card associated with their Cash App card, but once I replaced the debit cards with the replacement, the money didnt go through. 

Cash App does not show receipt of the {$1200.00} transfer, but my credit union shows {$1200.00} leaving my account and going to them. I never received it despite even replacing the credit union debit card to back the Cash App card it requires. My rent is now almost a whole month late, and Im facing eviction. They refuse to respond to emails, messages, and wont call. My credit union said theres nothing they can do, but Cash App wont fix the problem.
Product: Checking or savings account

I went in Chase Bank last year in attempt to open an account and they informed me that several accounts were opened in my name. Then, I contacted Chase Bank about the multiple checking and savings account that were opened fraudulently using my information. I reached out to Chase over a year ago on XX/XX/2019 to get this resolved, and was told to complete the " Identity Theft Declaration of Claimant '' Packet and turn it in within 15 days. I immediately completed the packet and listed all 6 fraudulent accounts that were opened using my information. I need those accounts cleared from my name because I NEVER opened a Chase account, and its messing up my credibility. I can't even open an account with Chase either. All the closed Chase accounts attached to my SSN/NAME weren't opened by me. Please fix this immediately! Ive done my part, i would like for you all to do your part and clear those records from my name! I would like to be able to open up an account with Chase.
Product: Mortgage

Due to COVID 19, my salary was reduced until XXXX. I called WELLS FARGO today XX/XX/2020 to request a 3 month deferment to assist me during this time. All they offered me was a payment freeze but after 3 months I would have to pay all the money due in a lump sum. 

I talked to the first lady and explained what I needed and the she transferred my call to the department that handled ( i was on hold for a long time ) just to be told I cant get any help. 

Never been late on a payment since the inception of the loan ( 10 years ) and have never requested assistance from them. 

Their lack of professionalism and willingness to assist customer during these times is shameful and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX : This account has been paid. 

XXXX XXXX ( XXXX XXXX XXXX ) : I have never had cell service through XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify Equifax that I am a victim of the data breach that occurred in 2017. As a result, my personal information was compromised and may be linked to fraudulent accounts or activities.

Under the provisions of 15 USC 1681c-2 ( a ), I am requesting that all accounts mentioned in connection with this breach be blocked and deleted from your records. 
XXXX XXXX {$900.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXX XXXXXXXX {$180.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXXXXXX XXXX XXXX {$110.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXX XXXX {$11000.00} Account Info Account number XXXX OPEN/CLOSED OPEN Date opened XX/XX/XXXXXXXX XXXX XXXX  XXXX {$0.00} Account Info Account number XXXX XXXX CLOSED Date opened XX/XX/XXXXXXXX XXXX XXXX {$2800.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXXXXXX XXXX  XXXX {$0.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXX XXXX XXXX {$4800.00} Account Info Account number XXXX XXXX CLOSED Date opened XX/XX/XXXX XXXX XXXX XXXX {$20.00} Account Info Account number XXXX OPEN/CLOSED OPEN XXXX opened XX/XX/XXXX XXXX BANK {$0.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXX XXXX XXXX {$560.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXX XXXX  {$800.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXXXXXX XXXX {$1400.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXX XXXX {$5900.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX {$5900.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I sent a cease and desist letter to XXXX XXXX XXXX. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.
Product: Mortgage

They are trying to make me pay them for a homeowners policy while I carry my own policy. Theirs may be more expensive and have lesser coverage. When I originated the loan I agree with another company that I would carry the insurance. Since the loan in six months has been sold to them I am being hounded over insurance and they want to force additional costs onto the loan. I see where law suits have been brought in Massachusetts over this issue
Product: Debt collection

I received a garnishment notice last week XX/XX/XXXX for a medical bill for my son from XXXX. They said the bill was incurred in XXXX or XXXX. They filed a notice of garnishment with a company in Illinois that is not associated with my employer. I am not sure of the validity of this debt. I immediately upon notification contacted the attorneys office who filed the garnishment and no information could be given to me. Is there a time limit for medical bills in the state of Indiana? I have now lived in XXXX  for over 13 years and when I did live in XXXX my son had Medicaid coverage. I am not even sure if it was for my son or for myself because no information was given when I called. When they sent the notice of garnishment it was sent to numerous places. I contacted an attorney XXXX XXXX and they got some information and I have proof I was never served and I had no notice of this bill. They are threatening my livelihood over a supposed medical bill that has to be over 12-13 years old. Can you please assist me. The following is from my attorney who is unable to assist as they are not licensed in XXXX garnished. 



The address on XXXX XXXX was your last address in IXXXX  in XXXX ( your mothers house ). 

No one there on whom to substitute serve you you had moved to XXXX. ( House sold? ) After final judgment was entered, of course you were not aware that garnishment proceedings started. 



Plaintiff tried to garnish company in XXXX with same company name ( sort of ) as you work for. 

They signed green cards but that wasnt your employer and is not affiliated with your employer. 



Still no good service not at XXXX XXXX address on documents. 

( Even if they managed to serve you in XXXX, they never served you Then finally the Plaintiff got service on the garnishment Order after the XXXX company you work for Was sold to the XXXX entity. 



But still you were never served the underlying complaint. 



XXXX
Product: Checking or savings account

I contacted the bank regarding fraudulent use of my debt card in XXXX. Their response was that they found no errors in a letter dated XX/XX/2023. I was not stating errors but Fraudulent charges. I have since sent emails in XXXX with more detail about the charges and are still awaiting a response.
Product: Vehicle loan or lease

XXXX incorrectly charged me late fees after issues processing my payment ( at no fault of mine ). {$25.00} was waived but that was it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I discovered several fraudulent accounts on my credit report. I notified my local authorities who provided a police report. I showed all the evidence to the police. I also sent an Idenity theft affidavit to the companies and all 3 credit bureaus. Experian sent me a letter dated XX/XX/19 report # XXXX where they claim they have verified the fraudulent information. I spoke with each company who stated they have removed the fraudulent accounts from each credit bureau. The accounts have been removed from all of the bureaus except for Experian. 
1 ) XXXX XXXX XXXX # XXXX {$920.00} 2 ) XXXX/XXXX XXXX # XXXX {$1700.00} 3 ) XXXX XXXX # XXXX Unknown amount
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chase credit card online acct has a link to " Credit Journey '' and I have received several emails either congratulating me for enrolling or providing 'terms and conditions ', etc. I never requested, enrolled in, or authorized this service. I don't want it and I don't need it and will never use a service like this. I called Chase about this and they referred me to " Credit Journey '' who told me to sign in to the credit journey  acct to cancel. I told them I was unable to sign in because I never enrolled or registered with them. Neither Chase nor  Credit Journey will ( or know how to ) resolve this.
Product: Debt collection

I have received a XXXX/XXXX/2015 letter and various phone calls from Central Credit Services, LLC attempting to collect a debt from XXXX in XXXX. These are most likely about a XXXX services accrued in a Bundled service. I have statements from XXXX showing that the statements are paid in full. I previously filed a complaint with the FTC regarding this manner and I thought it was taken care of. Now I am receiving bills at my new location in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATION/XXXX XXXX.
Product: Credit card or prepaid card

Synchrony bank... .missed numerous bills sent to me and have numerous times in the past two years charged XXXX $ fees for bills not received i pay on time, all the time, and accounts such as amazon XXXX XXXX XXXX XXXX XXXX XXXX have all charged me XXXX late fees for bills never received. ( supposed to be delivered us mail. ) I've called them but they say they can do so. Its amazing they are paid on the other accounts, but these always are either late or not delivered at all, and it really hurts when i pay my bills on time, all the time. Then they up the interest rates after the second time. Unfair. I should've gone to a loan shark. Cheaper rates. As soon as my balance 's are paid in full ( i ALWAYS pay on time ) i will no longer be a customer of synchrony Bank. They are thieves.
Product: Debt collection

XXXX / XXXX / {$12000.00} XXXX XXXX XXXX / XXXX / {$3100.00} XXXX XXXX XXXX / XXXX / {$750.00} XXXX XXXX XXXX XXXX XXXX / {$1800.00} XXXX / XXXX / {$3700.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Request for Correction of Credit Report - Compliance with Federal and UCC Laws Dear XXXX XXXX XXXX, I trust this communication finds you well. I am writing to express profound concerns about potential violations of both federal and Uniform Commercial Code ( UCC ) laws related to my investment with XXXX. 

As an investor, I provided XXXX with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2. XXXX, as a furnisher of information, is required to provide accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order. 

In addition to federal law, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner. Given the discrepancies in my billing statements, it appears there might be a violation of UCC Article 9 ( 9-609 ) guidelines.

Moreover, UCC Article 9 ( 9-625 ) underscores the duty of a secured party to conduct a comprehensive investigation when an investor disputes the accuracy of information related to their account. To address concerns of security fraud, I insist on a thorough investigation into my account, including a XXXX audit. 

In the event of a XXXX audit, the auditor will have the capability to retrieve the CUSIP number associated with my security. This auditor will be able to scrutinize the financial details, including how much money XXXX has generated from my security and its current valuation. 

Failure to promptly rectify these issues may result in further legal actions, including the involvement of the Internal Revenue Service ( IRS ) to ensure compliance with tax regulations. My primary objective is to resolve these matters amicably, and I firmly believe that a comprehensive and timely correction of my credit report is in the best interest of both parties. 

I kindly request the immediate correction of my credit report to accurately reflect a " paid as agreed, never late '' payment history, aligning with both federal laws, particularly the FCRA, and UCC Article 9 ( 9-609, 9-625 ) requirements. 

I trust that XXXX will take immediate, comprehensive steps to address these concerns to avoid further legal actions and to maintain the integrity of our business relationship.
Product: Mortgage

l was unemployed for 9 month from XXXX to XXXX XXXX in XXXX applied for mortgage modification with JP Morgan chase my lender and I was told I needed to have 3 month of default to get any help. So I defaulted 3 months and in XXXX I applied and got approved for mortgage modification trial starting XXXX XXXX. I made my XXXX XXXX payment with the amount they set in modification. on XXXX XXXX XXXX dropped of the paperwork that needed signed and returned to chase by XXXX XXXX we had travelled away for XXXX holiday and when we returned on the XXXX XXXX we sighed and XXXX the paper work back to chase. on XXXX XXXX we received a letter from chase stating that we were no longer in the mortgage modification plan and our home was being escalated into foreclosure process if we did n't submit the defaulted payment. we contacted chase and they said they received our signed paperwork late on XXXX XXXX and for that reason we were no longer in the modification plan. we have contacted chase XXXX XXXX XXXX several times on XXXX XXXX I was told by that my application is going to be activated again. on XXXX XXXX I called to make my monthly payment and the customer service refused to take my payment citing that I need to pay minimum {$3000.00} on defaulted account since I was no longer on modified plan. I called back chase this to ask how and where to make my payment and they told me they cant take modified amount and if they do n't receive payment by XXXX XXXX my home will be foreclosed on. the signed document that chase has said they arrived late are date XXXX XXXX when I told chase that due to the holiday may that 's why you received mail late. they told me that 's not their problem that they need those documents by XXXX. when I asked chase why they waited until XXXX XXXX to send me the paper work and nobody knows why. I asked the paper work over and over they kept saying it was coming and when it came we were gone out of town for XXXX.