23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Received an unsolicited marketing letter from Oceanside Mortgage Company to help me refinance my mortgage. While I am normally am fine with marketing materials, this was a deceptive letter. It came in an unmarked, windowed, envelope, with the words " final notice - Immediate action required '' with a file number. This is an obvious attempt to make it look like it is from a collection agency and a deceptive practice to try and obtain business. 

As a smart consumer, I am well aware that this is a heavy handed marketing ploy. However, some consumers may not be as observant or aware that this is a deceptive letter. I believe this is targeted at these people.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due 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 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seed appropriate redress for these violations.
Product: Checking or savings account

I am a XXXX XXXX receiving monthly benefits thru a government provided XXXX XXXX ' debit card. I also have a personal checking account with JP Morgan Chase which is the source of my complaint. 
Having received my benefit from the government on XX/XX/2022 and properly deposited into my XXXX XXXX account, I proceeded to the JP Morgan Chase XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) and attempted to make a withdrawl of {$240.00} ) XXXX XXXX XXXX XXXX account from the onsite ATM to be deposited into my personal JP Morgan Chase checking account. However, much to my dismay when the chute opened to dispense my cash nothing came out. I immediately rushed inside and explained the situation to a customer service representative who basically told me it was not their problem and contact XXXX XXXX for a resolution. ( it is impossible to contact XXXX XXXX for up to 2 weeks after benefits are disbursed due to the high volume ) My feeling is that Chase could and should have the ability to solve my problem as : -the machine is their property and on their premises -at some point that machine is 'balanced ' and the reconciliation sheet for that location would be off by {$240.00}. I mean, am I right or am I wrong? 
I put my life on the line for this country and I think I deserve a small measure of respect. Please try to help me! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Two Fraudulent Hard inquiries where reporting on my Equifax credit report, I was notified via email about these fraudulent Hard inquiries. I called and spoke to a representative named XXXX from Equifax stating that the company received my FTC report and that the two fraudulent hard inquiries would be removed within 48 hours. I've disputed this information serval times with Equifax and they claim that the fraudulent hard inquiries are factual record, but how can that be if XXXX XXXX XXXXXXXX can't find me within any database given with my personal SSN #. I Also spoke with several supervisors at XXXX and as well they can not find any of my information in their database. These two fraudulent hard inquiries are stopping my family from financial stability and causing emotional damage to consumer as I have done everything each company has asked from me.
Product: Credit card

Attached are pertinent documents for your examination. I urge the bureau to commence an investigation into the accounts mentioned. Despite my timely payments, I am wrongly labeled as late.
Product: Credit card

Midland credit harassing phone calls night and day. Now, sending me a demand for payment for which I do not owe. They do not have a license to practice in the state of Massachusetts, as well as violating numerous illegal debt collection practices.
Product: Debt collection

A company called Zenco Collections contacted my father, a XXXX XXXX, in an attempt to collect on a debt that is over 10 years old. They said they have reduced the debt if he makes two payments of $ XXXX+, the entire amount of his XXXX check and if he didnt pay they were going to refer the case to " XXXX county '', the county where we currently live and threatened to either sue or take him to jail. Out of fear of being arrested, he gave them his bank account number and they sent him an email with a letter for him to e-sign. Fortunately he told me about this before he e-signed and returned the letter, so he has not legally authorized any withdrawals. I then did some research and found that there are complaints with the XXXX regarding threats to others and those complaints went unanswered by the company. When the company called back I told my dad to ask them for a verification letter and a license number. This made the lady VERY angry and she said she was referring this to " XXXX XXXX '' who is apparently the guy in their legal department and she said " good luck to you '' and hung up on him.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please see the ATTACHED documents to assist in the blocking of the erroneous information and removing unauthorized inquiries which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : 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 EQUIFAX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying Equifax for online credit report and credit score. Since XX/XX/XXXX I have been unable to obtain my credit report and score. Equifax changed their credit monitoring to My Equifax. Since this change I have been unable to login to review my Equifax Credit report and score. On XX/XX/XXXX I was requested to fax over my Verification information to Equifax which was my Social Security number and ID. I requested a copy of my Equifax Credit Report which I still have not received a copy of. I have also tried several times with annual credit score to obtain my Equifax credit score and have been unsuccessful in obtaining my credit report. Because the Security questions to obtain my Equifax Credit report on annual credit score contains security questions that are not questions related to me regarding Equifax. On XX/XX/XXXX I called Equifax again to gain access to my Equifax online credit report and credit score. I did a Verification with the agent where I had to take a photo of my ID front and back than take a selfie of myself to verify my identity. After being on the phone for over an hour to get help to gain access to my Equifax Credit report and credit score online. After alleged trouble shooting the agent was unable to help me with access to my Equifax Credit report and credit score. On XX/XX/XXXX I called again requesting help with my Equifax online credit report and score. Once again, the agent was unsuccessful with helping me gain access to my Equifax online credit report and score. 
I can obtain my Credit report on annual credit score from XXXX and XXXX with no problem. I can obtain my XXXX and XXXX credit report and score on their website online with no problem. However, I can not access my credit report from Equifax which has been problematic for me to obtain my credit report and score since XXXX. These issues continue to keep happening over and over again. I'm requesting to have my Equifax credit report and score as this has caused me irreparable harm. I feel that something is wrong with my Equifax credit report that is being covered up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with the credit bureau and it came back as verified as accurate when it is not.

The creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX  The amount is {$370.00} and they are saying that I still owe {$140.00}. It says it is charged off as a bad debt. Of course, I did not pay this because it is not my debt.

This account is not mine. It may be someone that has the same name and birthday, but my address and name are not associated with this account and it was opened without my knowledge or consent. My social security number was compromised.

I asked them to remove it and they refused.
Product: Debt collection

I have disputed these debts and asked for the required verification from Credit Collection Services twice now. I have received nothing at all from them. I do not know who they are or why they are on my credit. They have violated my rights according to the FDCPA and FCRA, and as a consumer, it is very unfair. I thought as an American citizen I was entitled to the same information that is being reported to third parties about me! Please help me!!!
Product: Credit reporting or other personal consumer reports

Please note that this is not a duplicate request nor filed by a XXXX  Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA XXXX ( XXXX XXXX Code XXXX ) that you, TRANSUNION a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at : XXXX XXXX CO Account XXXX XXXX bank Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX BANK XXXX Account XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX MORTGAGE Account XXXX XXXX XXXX MORTGAGE Account Number : These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Product: Credit reporting

These issues are with experian as to the following, they are reporting a balance and a payment on a XXXX XXXX XXXX mortgage account ( XXXX ) that they also show discharged in the same column which they previously were told to fix by XXXX XXXX XXXX in another complaint.Also the same mortgage they are reporting a balance and a payment with the same information that its discharged for XXXX XXXX XXXX ( XXXX ) .They are also reporting a high limit that is inaccurate period.They are double reporting an account XXXX with different account numbers.The ( XXXX ) as positive and closed and ( XXXX ) as negative, clearly inaccurate.I was previously told by XXXX lawyer that they dont report to experian at all so how could they be accurate, because experian says they only report what their clients tell them.How can my report be fair and accurate as i am by law entitled with these inaccurate entries?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I applied for a Credit Card with American Express in XX/XX/XXXX. At the time when I applied for the card, I didn't realize I was applying for a charge card that had to be paid off every billing cycle ( end of month ). I used the card for almost 2 years, never missed a payment, and always paid the balance in full - unless I had made prior arrangements with AMEX since they offered to extend the payment deadlines with no penalty stating it was a courtesy feature for charge amounts over {$100.00}, but I will have to pay interest on the balance and there will a minimum amount due also. 

In XX/XX/XXXX, I called AMEX and informed them I won't be able to make my XXXX payment by due date but I will make two payments in XXXX and then call them sometime in XXXX or XXXX and pay the balance and they told me that that would be alright. So as planned and discussed with AMEX, I made two payments back to back in XXXX, missed my XXXX Payment and called AMEX in the first week of XXXX to make a minimum payment and discuss payment date for the remainder of the balance. 

Everything seemed to be going as planned so I made two more payments in XXXX to pay the balance in full. In XX/XX/XXXX, I noticed they had marked my account as 30 days past due for XX/XX/XXXX so I called them and asked why they were doing that when I had made prior arrangements to make those payments when I could and the person I spoke with told me they didnt have any notes whatsoever in their system stating anything about the payment arrangements I had made with them. I tried for a few months to have that negative reporting from my account but it didnt help. I even opened a dispute with all three credit bureaus and even provided them with proof of payments but they didnt do anything about it. Ive attached a list of payments that I had saved from the AMEX website showing the amount and dates of payments before I closed my account. 

Honestly, this isnt just about having negative reporting removed from my credit file, especially for an account that Ive paid off and closed already. For me this is about doing the right thing, sticking with promises, and honoring the arrangements that were made in advance. Im hoping you will help me with this issue and take whatever steps necessary so that AMEX doesnt do this to anyone else. 

I appreciate your time and effort on reviewing my case, and thank you for your understanding and cooperation in this matter. 

Respectfully, XXXX XXXX
Product: Mortgage

This loan services fraudulently and keep my escrow refund for almost 4 months now, for {$910.00}, and they removed the {$94.00} out of my total escrow refund, since 4 months, they told me, that they will overnight it, and until now I did not received it, they should increase the money Im inspecting, there Cash department, had some fraudulently practices as well and they never do there jobs, this institution should be investigated, they are using my money, and fraudulently hold my escow refund, there supervisors did there part, but the manager did not do any action of this matter, they never called, me I Know that you are helping a lot of consumer, and I hope that they will be investigated, for fraud practices, delaying the refund, then used to there account. For four months i spoke to ID XXXX, XXXX, XXXX, XXXX, XXXX, and the answered are all the same overnight, and its four months now, I never received the escrow refund, and, there practices is hold my refunds, and used and invest to there other account.
Product: Credit card or prepaid card

I made an electronic payment on XX/XX/2022 for XXXX to Capital One which was posted on XXXX XXXX looked at my account to see if payment was received it was posted and deducted from my checking account but my credit limit was never increased so i called capital one tobsee what was up said there was a hold on my payment since it was already how would there be a hold on it i spoken with XXXX id XXXX and XXXX XXXX no help and problem still exists .Tried closing the account since its a secured account said it would take two Billing cycles to revieve my check
Product: Debt collection

On XX/XX/2019, I mailed a certified letter to Merchants Credit Guide Co to request additional information for verification of debt, including an indication of my responsibility to the said debt ( signed contract and/or promissory note ) amongst other personally identifiable information and my relationship with the said creditor. On XX/XX/19, I received a printed itemized statement of charges ; none of which identified my responsibility to pay. I do not owe this debt and I have not received anything from the collection agency that would convince me that the debt is valid or belongs to me.
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. 
1. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX Delete this account. 
2. there is some inaccurate information reporting. 
XXXX Date of inquiry : XXXX/XXXX/XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XXXX/XXXX/XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX Date of inquiry : XXXX/XXXXXXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 9. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

Under the law 15.u.s.c 1681and 1692 this is illegal to report this on my credit report. I would like for this to be removed within XXXX  days. My consent was not given and I don't have any information. I have tried to get this issue resolved and would like for the CFPB to help me clear this off my report within XXXX  days.
Product: Credit card

XX/XX/XXXX  : {$170.00} fraud charge. 

I ordered protein powder from XXXX. They shipped it with zero packing material and it got damaged and contaminated. XXXX claimed the photos I sent them can not be viewed. AMEX bought this excuse and is " rebilling '' me. I demand the full amount refunded.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX : XXXX XXXX Employers : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} ; PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX A ) XXXX Balance : {$4200.00} ; PORTFOLIO XXXX Balance : {$1700.00} ; PORTFOLIO XXXX Balance : {$1000.00} ; PORTFOLIO XXXX Balance : {$4200.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a charge that was paid off months ago several times through Experian and directly with XXXX XXXX XXXX. I have uploaded the letter from the law firm XXXX hired to collect the debt ( XXXX XXXX XXXX ) confirming the debt was paid in full, copies of the check and bank statements and they still have denied my disputes and will not update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were stillincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/XXXX XXXX XX/XX/XXXX