23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made an inquiry with Mr Cooper, my current mortgage lender, about refinancing my home loan. My only goal was to lower my interest rate, not pull cash out. I made this exceedingly clear. I responded to an email I received from Mr Cooper, that stated, check your interest rate, but when you click it, it gives you phone number, not the rate. So I had to speak to a loan officer. I know that loan rates are known for my zip code and loan amount. I currently have 2.75 % and all I needed to know was there a lower rate for my area, or have rates risen due to inflation? XXXX XXXX XXXX ID XXXX, refused to give me that information, instead insisting that he needed to pull my credit, just to see what loan rates are in my area. I'm furious ... I understand I need to qualify for any given rate, but credit did not need to be pulled, hitting my credit report with an inquiry, just to see what current rates are. This guy was using aggressive sales techniques, only trying to improve his sales stats that he probably uses to make his money. I'm sure he's a sales based commission earner. My XXXX is in the neighborhood of XXXX and my husband is @ XXXX. I monitor it. I could have told him that just so we could have a conversation about rates. But no, he wanted to be sure I suffered a consequence if I chose not to refinance. He suffers nothing thus far, based on his interaction with me, and with this complaint, I hope to rectify that. He needs to understand clearly his sales techniques are disingenuous and dishonest. Mr Cooper, his employer and my current lender just lost my loyalty. Supposedly our conversation was recorded, so it took place on XXXX @ XXXX PDT.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX XXXX contacted me indicted that had discovered that a mortgage check we had made out to XXXX XXXX XXXX had been intercepted in the mail, was altered to from {$2400.00} to {$4900.00} and was deposited in a XXXX XXXX account. We contacted our bank, Chase Bank, immediately to inform them of this issue. Chase informed us that they funds had already been distributed and that we would need to file a claim. On XX/XX/XXXX we went to a branch of Chase Bank at XXXX XXXX and XXXX XXXX in XXXX XXXX XXXX and filled out the necessary paper work for a claim. On XX/XX/XXXX XXXX XXXX ( XXXX - XXXX ) contacted us again and informed us they were waiting on the paper work from Chase to process the claim. We contacted Chase again by phone and spoke to one of there agents on that day and they said they did not have our paper work for the claim even though we had done at at one of  there branches, after a bit of time they did find the missing information. We received a letter from the the USPS Inspection Service ( XXXX XXXX - XXXX ) dated XX/XX/XXXX informing us they we may have been a victim of Mail/Wire Fraud. On XXXX we called Chase to follow up on our claim and after speaking ti a custumor serve manager they informed us that they had done nothing to date, and were waiting to hear from XXXX XXXX even though we had given then XXXX 's number on XX/XX/XXXX. It is our understanding that Chase has 90 days to resolve the claim but is running out the clock on this so not to have to resolve this issue.
Product: Mortgage

My ex-wife and I purchased a house XXXX in XXXX, OH. We divorced in XXXX. At that time I deployed. My ex-wife made several attempt to sell the house which did not happen. We also attempted to short sale the home through Bank of American. Bank of America gave us the run around XXXX consecutive times. The last time they assured us that the process was in review and never contacted us. We still have the house under our name even though the bank currently has the key. I forwarded the bank our divorce decree showing that the court orders us to surrender the property back to the bank. I have not been back to the residence since XXXX. This has affected my credit since this process started. I am currently deployed until the end of XXXX XXXX. I will provide any documentation upon request via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXX XXXX  / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Demand Letter for Security Freeze and Enhanced Security Measures Date : XXXX To : XXXX Equifax TransUnion XXXX XXXX XXXXXXXX XXXX XXXX Department Of Insurance XXXX State Attorney Generals Office -Insurance Fraud Division XXXX XXXX Treasury Department FTC XXXX  Attorney General Insurance Fraud Division XXXXXXXX XXXX STATE TREASURY -Fraud department XXXX Attorney General XXXX XXXX department XXXX XXXX XXXX IRS On Behalf of : XXXX Address : XXXX XXXX Email : XXXX  Subject : Demand for Security Freeze and Enhanced Security Measures XXXX XXXX This letter serves as a formal demand for immediate action regarding the identity theft suffered by XXXX XXXX due to the recent data breaches at TransUnion and XXXX. 

Background : XXXX XXXX has been a victim of identity theft following the data breaches at your respective companies. As a result, she has experienced unauthorized attempts to open insurance policies and lines of credit in her name. 

Demands : We demand the following immediate actions to protect XXXXXXXX XXXX XXXX credit and financial security : Security Freeze : We request that you immediately place a security freeze on XXXX XXXXXXXX XXXX  credit report with your respective companies. This freeze should prevent any new credit accounts or lines of credit from being opened without her explicit authorization. 
Enhanced Security Measures : We further demand that you implement enhanced security measures on XXXX XXXXXXXX XXXX credit file. Specifically, we request that any attempt to open a new insurance policy, line of credit, or loan in her name be subject to an additional layer of security, requiring a unique security PIN or phrase known only to XXXX XXXX. This will ensure that any future attempts to open accounts in her name are subject to a more stringent verification process. 
Legal Basis : We are exercising our rights under the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws to demand these security measures. 

Consequences : Failure to comply with these demands within 14 business days will result in further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies under the FCRA and other applicable laws.

Verification : We request confirmation of the implementation of these security measures within 14 business days. Please provide written verification of the freeze and enhanced security measures, including any specific instructions on how XXXX XXXX can manage her security freeze and PIN/phrase. 

Contact : Please direct all correspondence regarding this matter to the contact information provided above. 

Sincerely, XXXXXXXX XXXX
Product: Debt collection

JP Morgan Chase has been employing a tactic in an attempt to circumvent the FDCPA by calling from several different numbers from a few different area codes. However, it appears that they only have a certain limit of call-from numbers because they continually cycle through these numbers. Because I am a lawyer, I have retained a complete record of every call from each phone number ( all dated ), which JP Morgan Chase has used. They call approximately XXXX per hour every single day including weekends. This is a blatant violation of the FDCPA. and must be addressed swiftly. 
Some of their most frequently used numbers are as follows : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have countless times to have the 3 major credit reporting bureaus to remove inaccurate information on my report. Ive submitted a affidavit with ftc and verified my identity but they still report the same thing which lowers my score and makes it impossible for me to approved for new credit. This covid 19 pandemic has made it difficult enough to obtain credit to pay bills and identity theft is at an all time high. XXXX, XXXX  and Equifax are not following the law and removing inaccurate information nor are they verifying information, please help.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. 

I want these items deleted from my credit report effective immediately. 

I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 

Please help me delete these illegal accounts from my credit reports. 

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

I have contacted Equifax over 50 times about the fraud alert and all the information on my report that was n't authorized by me. I have been yelled at, called a liar, hung up on, the staff over seas have put in information that was mine but they said that I disputed, the company say 's I have n't responded but I have. I also have recordings of every single phone call to support the proof of the abuse I 've received for trying to fix a problem that I did n't cause. I have spent so much time and my own money trying to resolve this. I filed a fraud alert with the Federal Trade Commision and I mailed it in, they said they did n't get it so I faxed it in. I have proof they got it but they are still denying it. I 'm at a wits end with this company. How are they allowed to keep attacking consumers and treating the people that actually have been a victim to fraud with such disrespect?
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/XXXX I contacted XXXX and explained I was having a financial hardship and I was looking for options to help me avoid missing a payment as well as damaging my credit history. I spoke with a representative, they reviewed my file and offered me the option of getting on a loan repayment plan in which they would apply my XX/XX/XXXX payment due to XXXX subsequent payment. They never verbally disclosed nor explicitly stated in their repayment letter which i have enclosed that would be hit with a 30 day late on my report. In fact, I have been charged late twice once in XX/XX/XXXX and again in XX/XX/XXXX. Additionally when I was enter into this plan my payment due date changed from a pay by date of the XXXX of the month to the end of the month.As you can see by my posted payments I have met these terms.Why are they allowed to offer me relief while still damaging my credit with late reporting s?????
Product: Debt collection

CFPB and FCRA please assist me in this matter. I have attached valid prof of inaccuracies and violations on my credit report from Portfolio Recovery. I have disputed multiple times with Portfolio Recovery and all XXXX credit bureaus over XXXX times or more. Portfolio Recovery and credit bureaus come back with in 3 to 6 hrs with the debt is validated. so now that I'm seeking league assistance in this matter. I'm attaching the proof of violations since Portfolio Recovery and XXXX can't catch or don't want to catch. I can't believe both company 's after as many times I disputed can't fix the inaccuracies I have all the reports from investigations done from all parties. this has gone on over 2 years impacting my credit my Selfs worthiness and diminishing my good name. at this point i want this company deleted from my credit reports and I'm seeking to be compensated for punitive damages to me and my name and to my life. this has prevented me from achieving fair credit, living means, all through the pandemic. I've applied for car, credit, home etc. and was denied due to the in accurate reporting that violates my rights. Yet again im also asking this company completes the questions to proper Validation of debt. PORTFOLIO RECOVERY and XXXX has the account closed as of XXXX XXXX i was not born at this date. also states account closed but has been reporting open when was closed. 

I am writing to dispute the in accurate information that XXXX is reporting on my credit report. according to the information provided, it appears that there is many inaccuacys found on my credit report. 

As a responsible consumer, i take my credit report seriously and am concerned about the inaccurate information being reorted. the false information listed is damaging my creditworthiness and may have serious implocations for my fiacial well - being Should XXXX fail to provide Resulution i am prepared to pursue legal action to rectif this error. i have outlined an itemized list below detailing the potential finacial losses XXXX may incur if litigation becomes nessessary. 

XXXX. Legal Fees : {$5000.00} XXXX. Lost Wages : {$3500.00} XXXX. Emotional Distress : {$7000.00} XXXX. Statutory Damages : {$10000.00} Please note that the figures provided above are estimates and my bary based on the extent of the inaccuracies and the duration of legal proceedings i am hereby requesting that XXXX promptly investigate this matter and provide me with a written response detailing the results of the investigation. I expect this dispute to be resolved within the timeframe mandated by the Fair Credit Reporting Act. 

thanks for your prompt attention to this matter. i look forward to receiving your response within 30 days as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : After 3 consecutive letter i am now writing to you via cfpb to request that you remove the following unauthorized inquiry ( ies ) from my credit report : Creditor : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2019 Creditor : XXXX- XXXX XXXX  Inquiry Date : XX/XX/2019 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided, and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thank you in advance.
Product: Money transfer, virtual currency, or money service

Very recently I discovered I was a victim of identity theft and from the advise given to me by the police I was advised to look over all debit card or credit card accounts and to promptly report and suspicious activity or charges. Since I've had PayPal I've had so many issues with overcharges, unauthorized charges, payment method not being recognized thus charging charges already paid by a different payment option and recently I reported a few charges and PayPal decided because of all the issues they felt the activity was questionable and decided to close/limit my account and I'm ok with that I was going to do it anyway but not before I received my money back from the suspicious charges I reported. I can't help per their own policy you should report ANY suspecious activity within 60 days I've done that and still they made this decision. I want my money and I'd be more then happy to close this account and just wash my hands of the entire thing. I don't want a PayPal cash card anymore and I just wish they were better ways to protect a client 's money but changing a password etc is only a bandaid in a much larger wound. I read reviews and court cases against and I finally can see I'm not alone this has happened to an abundance of past clients court cases against PayPal but I don't plan to go that route unless of course if I have to then I will report the truth accordingly. 
Thank you and please fix this ASAP. 
Thank you and have a blessed day
Product: Credit reporting or other personal consumer reports

I am writing to complaint to JPMCB CARD about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

Report shows information Im not formulae with and I tried getting information on it and was not able to. Also full access is not available on my report keeping me from being verified by creditors. When I look at it it says blocked for promotional purposes
Product: Debt collection

Last payment was sent in XX/XX/2020 which was right before the pandemic went worldwide, All government offices were closed and I did not have any means to pay since i was out of work for a few months. After I went back to work many government offices were still closed so I waiting until I received a statement or letter from them which never arrived until recently. Now they are charging the wrong amount for non payment. I was owing {$700.00} and now they are charging me {$2000.00}. I do not owe this amount which would have me paying the debt all over again. Please look into this for me since I am not owing the amount they claim. I have no problem paying what I owe but I can not afford to pay the debt again from the beginning amount. They have already collected over {$3000.00} in interest from me XXXX was more than the debt. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM AN AUTHORIZED USER ON 2 CREDIT CARDS THAT ARE NOT BEING REPORTED ON MY CREDIT REPORTS
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called both XXXX XXXX XXXX with a XXXX balance and they said they reported the credit correctly and Experian should have updated it. 

On XX/XX/XXXX I called Experian and spoke to XXXX XXXX and he said it was still showing XXXX. He would reach out to them. 

I am working on a loan and can't get anyone to provide correct information. 
I am going to get an attorney now involved with both of these companies and will close this credit card, making it the final one closed.
Product: Credit card or prepaid card

A card was opened in my name. I tried using XXXX XXXX  to dispute this matter it never worked
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check this account ( A ). It is unacceptable to list this account as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Contents of complaint. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX, XXXX, and EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts open at 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and 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 ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.