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

I have been a Chase customer since XXXX. They are my major depositing bank for my personal account and business accounts. I have XXXX personal credit cards and a business card with them. As many, I got laid off just before the pandemic and decided to open up a business in XXXX however the next year the world shut.. So we used are credit cards to survive. Business is getting up to speed and growing. Throughout the whole pandemic, I have struggled with some of my creditors HOWEVER has ALWAYS paid Chase due to my longstanding relationship with them ( sometimes at the detriment of paying others )! 


Today, XX/XX/XXXX I was reviewing my personal Chase accounts and notice that my XXXX XXXX XXXX ending in XXXX has {$0.00} available credit ( which I deemed odd since I recently saw it has credit available and I had just also made a payment on XX/XX/XXXX and was Current! ) Then I notice the same with my XXXX card ending in XXXX? 

I called Chase credit card customer service and was transferred to a XXXX at XXXX XXXX  @ XXXX XXXX on XX/XX/XXXX. XXXX reviewed my account and said that due to the high balances on my cards and some negative items on my recent credit, Chase is shutting down my XXXX cards. I explained that despite the financial struggles, despite the pandemic, I have " Continued to make my payments on time and was late of recent but made my payment to catch up within less than 30 days.. This was due to my XXXX XXXX relationship with Chase ''. He said it didn't matter and provided me with an non-sensical example of " if I lent you {$500.00}, I should expect to get paid the {$500.00} in a reasonable amount of time '' to which I responded " no, because that's a loan which implies a fix timeframe, we're talking about Revolving Credit which doesn't have to be paid off and the bank make MORE MONEY if I don't ever pay it off ''! 

The bottom line is that I feel that by Chase taking this arbitrary act against me because " I owe and been behind with OTHER banks '' that has not only limited me on credit but WILL CAUSE A NEGATIVE CREDIT IMPACT THAT DIDN'T HAVE TO BE THERE SINCE I CONTINUOUSLY PAID THEM!!! 

I am requesting your assistance in requesting that Chase Reconsider this act and prevent them from putting a negative " Account Closed by Creditor '' on my credit report. 

If I were negligent in my responsibility to Chase then they can take action to shut my down and affect my credit.. but this act will put an unwarranted Blemish on my credit with a creditor that I am maintaining a good standing and have done nothing wrong but KEEP PAYING THEM HIGH INTEREST CHARGES! 

Regards
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights, 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 a account without my written instructions
Product: Mortgage

My mortgage company sold my loan several times, this time they sold it the payments made during the process was not sent over in a timely manner causing a minimum due that every time I sent payments they were not applying to the account but holding in a separate account. These payments were deducted from my bank account and the mortgage company were not applying. Now they sent all my checks back to me which were made out in their name so I can not do anything with them and they placed my home in foreclosure and want me to pay legal fees and will not accept payments.
Product: Credit card or prepaid card

I recevied a notification in the mail on XX/XX/XXXX that the limit on my XXXX XXXX XXXX through XXXX XXXX card had been lowered by {$1100.00} from {$3000.00} to {$1900.00}. This left an available amount of {$61.00}. 
The letter stated that there were several factors involved in the decision. They were : - Length of time credit accounts were open ( I have had positive credit for over 20 years ) - Number of delinquencies ( one over 7 years ago in the amount of {$24.00} ) - Proportion of balances to credit limits ( I recently had to purchase a new AC Unit and used some funds on another credit card ) - Proportion of loan balances to loan limits too high ( The last non-revolving loan I opened was a mortgage with $ XXXX in equity ). 
I have a XXXX credit score and make a very sufficient income to cover all of my obligations. I have not had a delinquency aside from a 30 late payment over 7 years ago. The most frustrating and concerning issue is that I received notification from my credit monitoring service that due to the very minimal available balance on this card, my credit score was negatively affected by XXXX XXXX lowering my limit. 
Aside from a XXXX XXXX card that was needed for an emergency vet visit, I have not opened any new accounts in over 2 years ( the last being my mortgage in XX/XX/XXXX ). 
I contacted Customer Service who informed me that I was welcome to apply for an increase. Of course, this would affect my credit. I am not in need of the funds on this card. I do, however ; take great concern with this bank effectively lowering my credit score without any negative actions on my behalf. I wish for my credit limit to be restored. I will no longer use this card and will pay off the balance as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent : address fraud on their platform, leaving m, account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving m account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.

As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately.
Product: Mortgage

On Wed XX/XX/XXXX, I received an email from my loan officer, Mr. XXXX XXXX informing me that " due to high volume, we are not able to get you closed on Friday XXXX XX/XX/2020 XXXX ''. 

On Thus, XX/XX/XXXX, I received an email from mortgage processor XXXX XXXX stating : " The underwriter is asking for the following : Hi XXXX, I will need the year to date 2020 P & L statement. '' I was surprised because I am just a XXXX XXXX XXXXXXXX with a XXXX  pass through status so I got on XXXX and created my XXXX XXXX XXXX. 

However, on Friday XX/XX/XXXX I was sent an email by the mortgage processor that the underwriter was now requesting the following : " The XXXX XXXX XXXX is inadequate. It was created by the borrower. We need an audited XXXX XXXX XXXX and balance sheet prepared by his CPA. Also, the CPA needs to address what impact moving the business to KS will have to future revenue streams. 
In addition borrower needs to provide current assets/bank statements and to address what line of work he was in exactly in his previous job. '' At this point I was beginning to feel excessive anxiety because of the delayed signing, move in delays, and now this potentially expensive and unnecessary requirement on Friday night. I could not get a hold of my account, so I asked my prime contractor who employs me to help and his CPA was able to create the XXXX XXXX XXXX and balance sheet based on my financial information I provided, but it cost me {$1500.00}, which was a huge discount. As of Monday XXXX CST I have still not heard back from my loan officer after our discussion earlier in the morning of the status of my submittal and I am incurring costs to change my flight arrangements back to DC. My actual attorney has been communicating with me that not only is this unusual but it may also violate certain AI CAP rules. 

Since I have no contact with the actual underwriter, I still do not know how this will turn out and the seller may cancel the contract. 

Please help me gather the information that requires underwriters to request this type of information for a XXXX XXXX XXXXXXXX, sole proprietorship with an XXXX pass through entity in order to prepare my loan for sell off to XXXX XXXX or XXXX XXXX. This is the justification PenFed is using to request this type of information.
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 that violate the Consumer financial protection act. 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 resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations
Product: Debt collection

Enhanced recovery keeps trying to bill me for XXXX in the amount of {$650.00}. I returned all of dish network equimpment which they are saying they never received. They're playing that game & trying to make money that I do not owe. The other collection agencies gave the account back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my home loan on time every day since 2018 and in XXXX they gave me a 30 day lead and I have proof that I paid it on time I spoke to a person name XXXX XXXX who refused to update the credit file.
Product: Money transfer, virtual currency, or money service

Person was selling XXXX Tickets on XXXX 'XXXX  XXXX We reached a price for 4 tickets to XXXX Game on XX/XX/18, the plan was to transfer tickets using XXXX Ticket Transfer on-line tool. Seller suggested we use XXXX to make payment since XXXX transfer fees were really expensive. Seller gave me his XXXX e-mail XXXX and i transferred {$400.00} from my XXXX XXXX account, that was linked with XXXX. Seller used cell phone number to send and receive text messages, seller cell number is XXXX I called XXXX and learned that the order number was fraudulent and there was no way to track who this person is. I also called XXXX XXXX and submitted on line fraud claim. Claim Number XXXX, phone number for XXXX XXXXe On-line Fraud is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit report, it shows XXXX XXXX XXXX XXXX credit card opened and used in XXXX and XXXX. Serious delinquency in XXXX, it is affecting credit score and report. This is identify theft and fraud. I did not open a credit card at this business or use it. I tried speaking to XXXX, multiple customer service and fraud department specialists. Nobody can help or provide any information
Product: Debt collection

Southwest Credit Systems have been trying to collect a debt of {$650.00} from me but the evidence doesn't add up. They're saying I opened up an account on XX/XX/2022 in XXXX, NC. I have physical proof that I was not living in that city at the time & had no idea of the purchase they're saying Ive done. I do not think its fair for my credit to have to suffer from this when it is clearly fraudulent activity going on under my name. Once again the name of the company is Southwest Credit Systems XXXX SWC Group ) located at XXXX XXXX XXXX # XXXX, XXXX, TX XXXX.
Product: Mortgage

XXXX XXXX - a convention 20 year loan with inception date XX/XX/21, was transferred to Mr. Cooper. My loan payment was drafted half on the XXXX and half on the XXXX. The portion on the XXXX was immediately applied, I accelerated payoff. 

I got a letter from Mr. Cooper, Your loan is now ours. Promising no changes to my loan. After over an hour on the phone with Mr. cooper, they tell me that they can not offer the same payment conditions and APPLICATION TOWARDS MY LOAN as I had agreed to at origination with XXXX XXXX. This constitutes a material and costly change I did not ask for. Mr. Cooper refused to move my loan back, or apply more towards principal, instead offering my an 'equity acceleration program ' where I could pay more ( duh, don't need a service for that one ). 

This transfer process offered me no input, feedback or right of REFUSAL which is absurd and now I'm stuck, in a situation where I've been cost money and not made whole by mortgage services. 

Help my CFPB, you're my only hope
Product: Payday loan, title loan, or personal loan

i received a pre approved offer from lending club and they turned me down. my understanding is that they need to offer me a firm offer of credit under FCRA. I feel misled
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've had an unauthorized inquiry on my credit report for months now and Transunion is n't helping me to resolve the issue. I disputed the inquiry with Transunion twice. The first time was on XX/XX/XXXX and the second time, XX/XX/XXXX. I 've also called Transunion in XX/XX/XXXX concerning this prior to disputing in written form. Since I 've made it clear to Transunion that this inquiry was n't authorized by me, and they continue to fail in helping me, I 've reached out to you for assistance in removing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. XXXX XXXX XXXX reported this account with a zero balance and pay is agreed to XXXX and also sold the account to XXXX XXXX XXXX with a balance. Experian stated that my account was properly investigated but how is that this account was reported pay as agreed with a zero balance to XXXX and reported as a collection to Experian. this is grounds for removal they also violated my rights under the 15 U.S.C 1681 section 602 A. statue I have the right to privacy. 15 U.S.C 1681 section A 2 : it also stated that the consumer reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute several negative items that appear on my credit report. After reviewing my report, I found several inaccuracies regarding the following accounts : XXXX XXXX XXXX : This account is listed as a late payment. However, I have never missed a payment on this account. I request that this error be corrected immediately. 

XXXX XXXX : This account is listed as a charge-off, but I have no knowledge of this account. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXXXXXX : This account is listed as a charge-off, but I have never had an account with XXXX  XXXX  XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX  XXXX : This account is listed as a charge-off, but I have never had an account with XXXX  XXXX XXXX XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXX XXXX. Furthermore, the original creditor is listed as " XXXX XXXX XXXX XXXX  XXXX XXXX, '' which I have never heard of. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX  XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXX XXXX  XXXX or the original creditor, XXXX XXXX XXXX. I request that you investigate this matter and provide me with more information on this account. 

I believe that these items have been mistakenly reported, and they are harming my credit score. I am requesting that you investigate these items and take appropriate actions to correct these errors. As per my rights under the Fair Credit Reporting Act, I expect that you will respond to this letter within 30 days of receipt. 

Thank you for your prompt attention to this matter. 

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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX Also please delete any phone numbers on my report if it is not : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


XXXX is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit card or prepaid card

I have previously attempted to resolve this with Discover with no luck ... This account was opened as a result of identity theft and not mine. Police reports have been provided as well as fraud affidavit form.

XXXX XXXX XXXX : Account # XXXX ... Total balance of {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I traded in my previous car, XXXX XXXX XXXX that was financed through Captial One Auto Finance. The dealership where I made the trade and new purchase is XXXX XXXX XXXX XXXX XXXX. I then purchased a brand new car of which was financed with a new lender, XXXX XXXX XXXX. Captial One continues to call me for payments on the previous car that I traded in. As of XX/XX/XXXX a 30 day late status was reported to my credit bureau. I have called Capital One Auto numerous times trying to explain to them that the car was traded off on XX/XX/XXXX and no one has tried to help me. They keep telling me to Call XXXX XXXX XXXX XXXX XXXX and ask for a check #, date and the amount of the payoff check for my previous car. I have called XXXX XXXX XXXX twice explaining to them what is going on. No one has helped me from XXXX XXXX XXXX XXXX XXXX. They always say they will call me back and never does. I have not received the title for my new car. My new lender XXXX XXXX XXXX is telling me that the contract on my new car was sent back to XXXX XXXX XXXX XXXX XXXX weeks ago because information was missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

UCC1-308 ALL RIGHTS RESERVED NON-WAIVED EQUIFAX IS IN VIOLATION OF VIOLATING MY CONSUMER RIGHTS ONCE AGAIN. EQUIFAX WILL NOT REMOVE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT. EQUIFAX CONTINUES TO DISREGARD EVIDENCE THAT HAS BEEN MAILED IN AND DISPUTED ON THEIR WEBSITE, AND CONTINUES TO KEEP REPORTING THIS AS " VERIFIED ''. HOW ARE YOU VERIFYING INFORMATION THAT IS FRAUDULENT? EQUIFAX ALSO VIOLATED A CEASE AND DESIST IN FAIR CREDIT REPORTING THAT WAS MAILED AND ATTACHED TO DISPUTED ONLINE FOR THW SAME ACCOUNT THAT IS STILL ONMY CREDIT REPORT THAT IS FRAUDULENT.

EQUIFAX IS IN VIOLATION ( S ) OF : 1.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 2. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 3. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 4.15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 5. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 6.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 7.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 8. 18 USC 1028 A AGGRAVATED IDENTITY THEFT 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( I DID NOT AUTHORIZE YOU OR ANY COMPANY PERMISSION TO REPORT ON ANY REPORT ) 10. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 11. 15 USC 1601 CHP.41 - TRUTH AND LENDING ACT MORE VIOLATIONS THAT EQUIFAX CONTINUOUSLY VIOLATES AND I WILL NOT TOLERATE THIS ABUSIVE BEHAVIOR FROM A COMPANY, THAT DOES NOT HAVE A PERSON VERIFY INFORMATION BUT AN SYSTEM. I WILL BE SEEKING {$10000.00} PER VIOLATION AS I SEEK JUSTICE WITH THIS CONTINUOUS ERROR THAT EQUIFAX CONTINUES TO DEFAME MY CHARACTER BY THESE ERRORS. I WILL ALSO BE SEEKING PAIN AND SUFFERING AND OTHER DAMAGES. EQUIFAX CONTINUES TO REPORT FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.