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

I am writing to you because I have been discriminated against and my rights have not been respected by Chase Bank. 
I have been a customer of them for many years with my personal accounts and credit cards. 
On credit cards I have always been an excellent payer. 
On Friday, XX/XX/XXXX, I realized that my two credit cards had been closed, and I could no longer use my available credit. 
I checked my credit report through XXXX XXXX and I saw that a business card appears overdue for more than 60 days. 
This card was from a business where I was a partner and because of the pandemic I couldn't go any more and my former partner said he would be responsible since they were business expenses. 
Unfortunately, on XX/XX/XXXX, my former partner had to close the company ( used car dealer ) and he did not inform me that he had never paid for it. 
Chase Bank never contacted me to offer help and I reported this business card on my credit report and also closed my other personal cards that were up to date. I have not even received communications by Mail. 
In the credit report I could see that there was an Inquiry on XX/XX/XXXX by XXXX. I do not know this Inquiry, I request that the recording tapes be reviewed since I did not make any request for an increase in the credit limit. 
We are experiencing an unprecedented pandemic situation and they did not offer me help. Instead they took measures that have generated even more anguish and economic precariousness since the credit that I had available was what I had to face medical and food emergencies for my family ( We are a family made up of my husband and I ( XXXX XXXX Men ) and XXXX XXXX daughters. 
Last year my husband and I were unemployed, which has been a great financial storm in our home. In addition, we suffered from XXXX XXXX. I took at least 6 months to regain my health. 
This year XXXX I had to face the closure of my company, something that caused a great XXXX not only in me but also in my family. 
During the month of XX/XX/XXXX I got the XXXX vaccine and 30 days later I still don't feel completely well. I had side effects. 
The government has helped the banks with money and the banks do not pass the benefits on to the citizens. 
The government has made great sacrifices and the banks continue to charge interest rates that are usury. In addition to continuing to harass clients to collect unpayable debts that clearly announce in the account statements that if the minimum payment is paid, you will be paying for 35 years. 
I don't have enough life to pay for this. 
It is an outburst and it is USURE. 
I request my rights be respected and stop discrimination due to my XXXX origin and XXXX condition.
Product: Mortgage

XXXX complaint was previously submitted. In the response by Rushmore, my home was not in foreclosure. I received the response from the CFPB on XX/XX/2020 in which I responded on XX/XX/2020 that the information they provided was not clear on. I did not receive clarification. 

We were given a single point of contact, XXXX XXXX at XXXX. On XX/XX/2020 I telephoned at XXXX XXXX  and left a message for him to phone me. On XX/XX/2020 another message was left at XXXX XXXX  for him to phone me. Then at XXXX XXXX  XX/XX/2020, the postman delivered documents that my home can be sold without going to court. 

The documents delivered today were dated XX/XX/2020 and were delivered AFTER my attempts to get details to get this mortgage situation resolved. 

I am XXXX  XXXX and suffer from XXXX XXXX along with several other ailments. Any type of XXXX  causes my XXXX XXXX  to XXXX  which then causes me to have to seek medical attention. This company is going to cause me to end up in the hospital for their lack of co operation and continued threats of foreclosure and refusal to accept our money. If they had accepted the money we have been attempting to pay them this would be cleared up by now.
Product: Mortgage

I called BSI in XXXX requesting assistance because I was no longer working. My Dads wife got XXXX and passed away and I had to become the XXXX for my XXXX. They said my account was in review with loss mitigation. It is now XXXX and I call and no one can help me. I requested to speak to supervisor and I keep getting the run around. They told me I had to fill out an application for assistance and I did and they also requested all my income information. I provided everything and I have had no response since XXXX. I spoke to someone at one point and he told me I had to pay or I was going to lose my home. I made a payment, I had to borrow it. He told me I wouldnt qualify for a modification because my rate is XXXX. I am in so much distress. This company has no sympathy whatsoever. I read on FHA site that as of XX/XX/2023 if you have FHA loan that Lender is only required to receive a verbal request for assistance. I have done a verbal and written. I think BSI is prolonging so that people can lose their homes. Please help me if you can. Thank you kindly
Product: Debt collection

After XXXX missed auto-payment to XXXX I began receiving threats about a judgment against me in 2014 that I was not able to defend myself for. I had called ( XXXX ) to ask them to withdraw the bounced payment along with the next months auto withdrawel. I had not received a phone call in response. They ceased all payments and began threatening more court. I received to date, XXXX financial statements, XXXX of these were returned with no response ( letter said they would call with arrangement ) and Was served a summons for XXXX XXXX due to my " failure to communicate '' with them. After this summons they have sent me the fourth financial statement to " avoid appearing in court '' I have called and left messages and have written communication to the company with NO response at all and I am very frustrated with the threats to my family and financial stability ( which is quite unstable ) just to not receive any cooperation regarding my account.
Product: Credit reporting or other personal consumer reports

Good Day, Upon checking my credit report, There is an account reporting to my credit profile that should not be there ( XXXX - Account Number XXXX ). I did not give authorization to this creditor to open this account. I contacted the creditor and was informed that they could not find this account in their system and that the account has since been purged from their system. I have never resided in the state of Missouri. I never gave authorization or consent for this credit to open this account and never used said credit card or loan. I have been a victim of identity theft over the years. This account that has never belonged to me and continues to reflect on my account with nine inaccurate late payments that continues to hinder my credit profile. 
This credit bureau is in violation 15 USC 1681 ( 2 ) ( a ) ( i ) reporting late payment XXXX - Account Number XXXX 8 late Payments- Your assistance this pertinent is greatly appreciated, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing Ford Credit Executive Analyst XXXX XXXX. In reference to a paid off car loan that was paid in full in XXXX. To give you a little history this loan included several extensions granted from the Leander. I was told that these extensions were a courtesy and not be treated as late payments. After i was denied for a home loan i checked my credit and was surprised to see how all those late payments were associated to my paid off account. Under the Fair Reporting Act. Company 's reporting to the bureaus should be acquired. Ford has 14 late payments, late to the three bureaus but sent me letters stating 19 .Now they are changing the amount to 18 so you can see how I feel my rights are in violation! I've made several attempts to resolve this matter and they have left me no choice but to file complaints against them. I would like them to explain how they granted me extensions with out changing the number of months of the original loan. Before i Serve ford with a lawsuit for damages due to XXXX XXXX Handling this case I'm make every attempt to get this account changed to paid in full never late.
Product: Money transfer, virtual currency, or money service

The company I used to lease an apartment with, sent a security deposit refund check to my former roommate. The check was written to MYSELF AND HER. She cashed the check without my endorsement and refused to answer my calls and texts in order to give me my half of our security deposit refund from the landlord. The check was cashed around XX/XX/2020 at Chase Bank in the amount of {$700.00} by XXXX XXXX. 

I have more than a weeks time trying to get this resolved ; a lot of time has been spent communicating with XXXX ( the landlord ) and the police department trying to resolve this issue. There has not been any resolution yet.
Product: Student loan

Upon XXXX in 2018, I was making very little money and literally could not afford to start back repayment on my loans. I at some point was able to defer my loans with the intention of going back to school at the time. I recently realized that FedLoan has reported that I missed 42 payments over all open student loan accounts. I attempted to write a forgiveness letter to my creditors in early XXXX explaining my financial predicament. The accounts are still showing as late payment history on all 3 credit reports and it is affecting my credit score when applying for other financial lending.
Product: Money transfer, virtual currency, or money service

1. On the date, XX/XX/XXXX, I still have my XXXX card physically in my wallet. 
2. On the date, XX/XX/XXXX, about XXXX, I received a email fraud alert from Chase , asking if I authorized use your Chase debit or ATM card for {$2400.00}, I promptly responded No, something is wrong to notify Chase to confirm it is a fraud transaction. ( please see Email XXXX  uploaded ) 3. On the same date, XX/XX/XXXX, Chase closed the old XXXX card and issued me a new one. 
4. However, the transaction was still showing as pending, I called in to Chase, but was instructed to wait until the pending status changed/updated. 
5. Thus, the claim was filed on XXXX, when to my surprise, the pending {$2400.00} went through ( even I replied to the email alert ). 
6. Most importantly, I understand the merchant ( XXXX XXXX ) is located in XXXX, while I am in XXXX XXXX, XXXX, this whole time. I didnt understand how an out-of-state transaction could be valid with all these Red Flag of fraud. 

The claim then was denied on XX/XX/XXXX, the Chase research team deemed it valid, as the merchant provided my name, phone number, so it was valid. I am surprised! 

I submitted the email attachment and a personal statement to explain, and after long long wait for Chase to re-open/reinvestigate, I called many time to get more information, but only bits and peices was giving to me over the phone. Finally on XX/XX/XXXX, and was told new information that the transaction was " XXXX XXXX ''. Which I never used XXXX XXXX with my Debit card. I provide more information to Chase as below : 1. I never used XXXX XXXX, I had been a XXXX phone user. I use XXXX XXXX and/or XXXX XXXX XXXX 
2. On the date, XX/XX/XXXX, my XXXX XXXX also have fraud activity, as in, someone opened a new line and replaced my phone number XXXX, changed payment methods etc. In short, I was hacked. I didnt think these two was related, but now it seems related. 

In short, my own {$2400.00}, a huge amount was lost and Chase is not protecting me well, or work to catch the electronic thief. 
Remember, I clearly responded to Chase ' Fruad alert, which mean the {$2400.00} should not had been lost in the first place. 

Please help!
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report. Leaving inaccurate or unverifiable Accounts unresolved. The consumer financial protection bureau. ( CFPB ) has recently filed a lawsuit against XXXX, Alleging systematic issue 's Such as failing to forward consumer Provided evidence To furnishers, accepting unreliable responses And failing to adequately notify consumers Of dispute outcomes. These failures align with my experience Where XXXX  has neither corrected. Nor removed Disputed items despite the evidence I provided, causing ongoing harm To my Credit standing. I am requesting immediate corrective action To remove or amend the disputed accounts. as XXXX  in action violates federal law and my rights as a consumer.
Product: Checking or savings account

I have had fund missing from my account. Account pin has been changed with out my permission. My car payment went through then they unpaid the bill. And paid something else. I didnt authorize to have payment sent back. Once its paid they cant unpay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 disputes on Transunion about 2 account that were opened fraudulently and they say I still owe when I did NOT open or use those accounts. I have disputed this 3-4 times and they say I still owe and I DO NOT owe anything to these people. The dates last disputed were XXXX and they resolved the issue on their end on XX/XX/XXXX or XX/XX/XXXX. I want this off my credit report because my information was stolen and used to open these accounts.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

In my three credit reports appear wrong information which could be fixed but the bureaus do n't report the correct information or remove the incorrect one. XXXX XXXX sent to me a letter fixing the wrong report on XX/XX/XXXX about a pay late they were reporting in my mortgage on XX/XX/XXXX by mistake and the bureaus have n't remove from my credit neither fix other wrong information about some debts I already paid and them do n't upgrade my report affecting me in my financial goals. If you need the information I have tell you I can send you when you ask me for. Please help me in this matter as soon as you can because I am trying to refinancing my home and this is stocking me. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Trans Union are reporting inaccurate payment history on my credit report for XXXX, XXXX XXXX XXXX XXXX that has {$1000.00} credit limit and XXXX XXXX XXXX. I have never been late on any of these account and asked for these late payments to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are all unauthorized and an result of identity theft inwhich is already documented within your company. This misuse of my credit file has affected me gravely. I'm asking for you to please remove the following unauthorized accounts. 

1. XXXX XXXX XXXX {$1600.00} 2. XXXX XXXX  XXXX {$800.00} 3. XXXX XXXX  {$590.00} 4. XXXX XXXX XXXX {$810.00} 5. XXXX / XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX {$160.00} 9. XXXX XXXX XXXX {$790.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRAthat you, the all three credit reporting agencies, equifax, XXXX and XXXX  block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. On these accounts, collections, and inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX / XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  I WAS ALSO IMPACTED BY EQUIFAX DATA BREACH
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX Notices XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is a resident not no retail business as stated by Experian. Experian needs to stop putting incorrect information and creating address and false information and stop adding made up address with incorrect information. Every other few months Experian has this pattern of false. Stop creating false address for profit to sell.
Product: Debt collection

I have been contacted by Professional Finance Company Inc I was at the hospital on XXXX XX/XX/2021. I have a letter from XXXX XXXX XXXX wit the approval of finance assistance. 

I submit this documents to them few months ago and I keep receiving mails from them to get the payment.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me 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. 
The law is very 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 have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 




XXXX. Unpaid balance reported as a loss by XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXXXXXX XXXX Account Number : XXXX Delete this account. 


XXXX. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account XXXX : XXXX Update to Open/Never late
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit utilization reported for this account has been historically incorrect and the company has been grossly negligent in their reporting. Utilization is and has always been incorrect, often stating a balance 5-10x the actual dollar amount. I have reached out to the company in multiple occasions requesting that they fix this issue, only to receive a response that it has been completed, while seeing my utilization increase. At this point in the ( and for the last 60 days ), I have held a {$0.00} balance. My credit reports are showing almost {$5000.00} ( and rising with each report update ).