23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We secured an interest-only home loan with Chase 10 years ago to purchase our home. As of XXXX XXXX the loan is now changing to a principal and interest payment amortized over 20 years so our payment is doubling. On XXXX/XXXX/XXXX we applied for loan relief to help us stay in our home and were denied on XXXX/XXXX/XXXX. We applied for this loan with stated income at time and were unaware that our payments would double in 10 years. Since the loan was secured, I lost my job and my husband is working to make all of the payments .We have never missed a payment, never been late on a payment- through all of our financial hardships we have always made the mortgage a priority. What was stated on our application is not the case anymore. Chase did not do their due diligence during the underwriting process to ensure that in 10 years time, the we would be able to afford a doubled payment. We are now being FORCED into a situation to sell our home quickly or go through the foreclosure process after raising our son in this neighborhood and becoming active members of the community and schools. According to Chase, the reason for the denied modification process is due to " too much equity ''. It seems like Chase would WANT to assist with assets that have equity. This loan was mis-represented by Chase and approved hastily with no regard to the applicant 's well being when the loan changes at the 10 year mark.
Product: Checking or savings account

My personal financial information was provided to a third party without my consent. In fact it was provided to multiple parties which violated my rights. 
I am complaining because my banking institutions shared information that was then told to me by someone that has no business having information regarding my accounts balances. 

It was shared repetitively to multiple people and entities including but not limited to investigative agencies without legal accessibility requirement met It was also disclosed in a room full of additional ears. So not only was my information obtained it was broadcasted to multiple others without regard for my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters sent in regards to inaccurate information with XXXX, XXXX, Transunion. Letter sent XX/XX/XXXX & XX/XX/XXXX. 

Also updated address and ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent the experian multiple letters, where they are still avoiding me and my disputes. I also contacted the alleged creditor and they also couldn't provide me what i asked for. 

Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and they responded by stating they were able to verify not validate this debt. 

Tell me how is that possible when experian and webbank have employees and an automated system judging my disputes within seconds? 

Its no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. 

I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, experian are obligated by law to remove it from my credit file. I urge experian to remove this account before I am forced to take legal action. 

If experian can not verify the item pursuant to FCRA. And they continue to report it on my credit. I will find it necessary to ( Sue them for actual damages and defamation of my character. According to FCRA regulations, I may sue in any qualified state or federal court including small claims court in my area.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with Transunion. They claim to have an online dispute process but the website actually does not provide a way to open a new investigation. I called Transunion 4 times this week, spoke to 4 different people and a supervisor and I still not able to open a dispute for an item I see on my report.
Product: Checking or savings account

On XX/XX/XXXX, I was contacted on XXXX by a fraudulent employer. Unfamiliar with remote job processes, I fell victim to the scam. 

On XX/XX/XXXX, I received interview questions from the fake company, which I completed and sent back. On XX/XX/XXXX, I received a seemingly legitimate offer letter from the scammers. I accepted the offer, and they instructed me to purchase equipment using checks they provided. I gave them my personal information, including my address, full name, phone number, and driver 's license, to confirm my identity before they sent the check for the equipment. They instructed me to be available at XXXX XXXX to receive the check. 

On XX/XX/XXXX, the scammers sent me fraudulent checks, which I was instructed to wire to their " vendors '' for equipment purchases. I wired {$4700.00}, splitting it into two transfers : {$4000.00} and {$790.00}. The scammers later requested an additional {$4400.00} check. By this point, I realized the checks were fraudulent due to issues with my bank and reported the scam immediately. I was advised to restrict my account and open a new checking account to continue transactions and pay my bills. 

From XX/XX/XXXX to XXXX, I experienced ongoing issues with both my old and new accounts. Despite numerous calls to Bank of America, I was unable to resolve the problems, with calls often being transferred to incorrect departments. I was informed that the investigation could take 30-60 days and received no updates on my claim. Additionally, my new account, which had a balance of {$370.00}, was closed without explanation. 

On XX/XX/XXXX, I visited a Bank of America branch, where I was told that my accounts would be closed due to fraudulent activity and that fraud might be noted on my record after the investigation. The branch helped me fax information about my case, including all relevant texts and emails with the fraudulent company. This process has been incredibly frustrating, with poor communication and cooperation from Bank of America. Despite being a member since XXXX and having proof of my innocence, I feel as though I am being treated as the scammer. Bank of America has closed my accounts without informing me and has not let me receive the funds I put in there before the fraud occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   {$180.00} PAID YEARS AGO THRU  XXXX .       XXXX   XXXX   {$310.00} PAID YEARS AGO THRU  XXXX
Product: Credit card or prepaid card

XX/XX/XXXX XXXX CFPB The Office of the Comptroller of the Currency has directed me to send this complaint to the CFPB. 
The original complaint was sent to the OCC around XX/XX/XXXX by the Delaware Office of the State Banking Commission. 

The complaints are regarding the JPMorgan Chase credit card service division CCSD ), whereby, numerous letters were to me commencing around XXXX of XXXX, initially 13 and a total of approximately 50 ( one such example is attached ) In those letters, they state, They are unable to fulfill the request, o without providing any detail as to the issue involved AND They closed the undisclosed issue. 

Any inquiry made to Chase iswas sent by way of their online messaging system ( XXXX ) so it would appear that there is a lack of communication between both units In addition, when, or if, Chase replies and it should be noted that numerous letters are sent to their executive offices, no one appears focused properly on an issue, and replies, if any, by making, erroneous statements commingling unrelated matters Improper references and/or dates thereby confusing everything with everyone, and probably themselves I also need to point out that within the last week or so, Chase has resumed sending those types of letters ( 3 to Date ) on inquireies again involving theri online messaging system ( XXXX, with the same comments. 

I have asked the OCC to send all their documentation in their possession to the CFPB.

Please review this and provide a control # I await a response.

Thank you Cc : OCC Additional documentation is available, it is voluminous
Product: Money transfer, virtual currency, or money service

In XX/XX/2018, my son needed to find a temporary apartment in XXXX XXXX, since his apartment wasn't available. He found a site XXXX that listed sub lease apartments. He corresponded with XXXX XXXX, property manager of XXXX XXXX and signed a lease agreement on XX/XX/2018. He was instructed to wire the rental charge, {$4000.00}, from his bank Bank of America account to the property manager 's account at XXXX XXXX Account. When he arrived in XXXX XXXX, there was no such apartment and XXXX didn't return his calls. The funds were draw on an account my son, XXXX XXXX, and myself own. I had contacted Bank of America and requested a wire recall. The bank recalled the wirer. XXXX XXXX has frozen the funds and have them ready to send back to me. However, they are requesting a " hold harmless '' letter from Bank of America. Bank of America is refusing to send the letter. I have offered to sign the letter and take full legal responsibility, but Bank of America continues to refuse to do anything. They call me a preferred customer, but they are unwilling to help me get my funds back. They told me the funds will end up going to the State. I have filed a complaint with the FBI Internet Crime Complaint Center, but have not heard from them. I have been working with Detective XXXX XXXX from the XXXX Police Department, report # XXXX. He is the only one who has been proactive and trying to help me out. Bank of America is not willing to do anything. XXXX XXXX going to the district attorney to find out how we can file a request to get the money back. Bank of America will not even let me talk to any manager or get any support from them. I contacted other banks and it is standard to accompany a wire recall with a " hold harmless '' document.
Product: Credit reporting or other personal consumer reports

I purchased a car thru XXXX XXXX XXXX XXXX in XX/XX/2019, I paid the car off, I received my title which I'm attaching w this complaint in XX/XX/2019. They're reporting it as a XXXX XXXX or as it isn't paid. XXXX XXXXXXXX mailed me my title in hand in XXXX, then XXXX day I looked and it's showing as if I never paid a XXXX on it which is incorrect. It has been on my report for XXXX and nobody will properly investigate it. I have reached out to each bureau and their constantly updating my report with incorrect information which is a FCRA violation. I WANT THIS REMOVED AND FIX before I sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a third party, Im making a complaint against XXXX, XXXX and TransUnion, I demand they remove the late payment from the XXXX XXXX XXXX account, they are reporting a late payment for the month of XX/XX/2021, I have disputed the late and they refuse to remove it. I demand they remove it. On XX/XX/2021 I received a letter from XXXX XXXX XXXX that I was not late. I made all my payments on time. No late payments. XXXX is reporting the account as negative because of the late payment which is incorrect. I demand that all three credit bureaus remove late payment and negative.
Product: Credit reporting

ON XXXX XXXX, 2016, XXXX alerted me that applications had been made with my social security number. XXXX/XXXX/16, XXXX/XXXX/16 -- -There were XXXX applications made, my FICO took a dump from XXXX to XXXX, then to XXXX ... I was FURIOUS. 
I 'M A XXXX with 28 years in XXXX. I understand the mechanics of credit. 
I FROZE ALL MY CREDIT ON XXXX XXXX, 2016. I put a consumer alert and a 90-day alert, while I was getting the police report filed. 
I was promised that NO CREDIT would be issued under a freeze. I was promised that creditors wo n't issue credit with consumer alerts .... I 'M IN THE THROES of this and I 've gone from shock to absolute anger. I 'm a very aware woman and quite capable of figuring out systems quickly. What I 've been seeing are " holes '' for prevention to be penetrated. From start to finish, I 've handled all aspects of proactive actions to restore my credit. I was fearful to trust others ' since I noticed they took action about 2 weeks after I had already contacted : 1. I contacted all creditors of fraud day 3-5, insisting they immediately contact credit reporting agencies and remove promptly ( all info I received from XXXX ). 
2. I froze all my credit day 3 from fraud initiated. 
3. I put 90 day alerts plus consumer alerts day 3 from fraud alert 4. Police reports within 5 days 5. I now discovered that New Account -- -XXXX reported a new account on your EQUIFAX Credit Report. They had a {$120.00} FEE that went to my reports. All XXXX of them. This company is fraudulent in actions. The credit agencies? My credits frozen and this account was NOT APPROVED PRIOR TO. 

I 'm very aggressive at this time since I 'm tired of paying people to protect me and they do n't. System failure is running rampant. I am a XXXX and highly trained in XXXX. 

Again, the name of the applicant is not my name w/my social. Red flag for the creditor? Or, they just have blinders on or asleep at the wheel? 
I was notified on XXXX XXXX, 2016 of a new account from Equifax! 
I railed the creditor! On XXXX/XXXX/16, the XXXX other agencies reported new credit with a {$120.00} fee ( the creditors fee )! 

I called the creditor and expressed the " illegal '' aspects of this. I said, " get this off my report, now! '' Additionally, all XXXX agencies are reporting with a FREEZE and consumer alerts on my account. The credit card was in the name of " XXXX XXXX. '' My name is XXXX XXXX XXXX and my social is not tied to his name. I 'm sick of this carelessness, the credit reporting agencies and their reporting, but NO INVOLVEMENT. They should not have this type of power and be unaware. No.
Product: Checking or savings account

I will make this short. I took out a loan to rid myself of debt. XXXX XXXX XXXX issued the checks for payees. After over a month I was told the check cleared. The check did not clear to the correct payee. Somehow Barclay Bank cashed the check. As you will see on the back of the check Barclays. 
Called Barclays Bank was told the do not see Any check for $ XXXX-Also they have no real way to check this. In todays world no way to check for a check! Wow I need help the check cleared ( Ihave the proof ) I have been to XXXX Hospital 2 times in less than 30 days. This whole thing is stressful!! I take my credit very serious so when Barclays keep they have no way of check this extremely disturbing. I can not longer handle this my XXXX hurts!! 
Hospital visits can b proved!! No more stress get it together.Barclays
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraudulent account on my credit report after XXXX XXXX stated they do not have knowledge or any information in their system regarding this account. Account number XXXX XXXX XXXX XXXX have sent multiple dispute letters regarding this account and Experian has yet to remove this account. Also, I havent made any payment towards this fraudulent account but Experian is reporting a recent payment of {$2.00}.
Product: Debt collection

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

I applied for XXXX XXXX later on XXXX and was denied due to my score through Experian. In the email it says my score was XXXX on XX/XX/XXXX, but I have an Experian account and my score is at XXXX ( it was XXXX on XX/XX/XXXX ) so Im not sure how my score could have been XXXXso I was denied credit!! Every time I call in they are rude and dont help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear XXXX : I am writing to request an investigation of the following information that appears on my XXXX XXXX report : Dispute 1 Accounts # : XXXX & XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : The account with XXXX XXXX in question is showing as settled for for less than full value, but I paid the full amount owed. Please update & remove the account now thats its paid in full. 

Enclosures : Copy of credit report with report number # XXXX & XXXX Last bill statement from XXXXXXXX XXXX Payoff Statement from XXXX XXXX Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I attempted to cash a check issued by my own business XXXX XXXX XXXX XXXX a check for the amount of {$36.00}. The check was issued from my XXXX XXXX  account ending in XXXX, and was issued on XX/XX/year> -- and bears the check number # XXXX. Ingo Money -- a check cashing service that is used by a great majority of the online banks -- has seemingly suspended my account due to what it looks like they're describing as 'irregularities. ' This has happened before and was resolved by a previous Consumer Financial Protection Bureau complaint/ticket. The complaint ID on that case was : XXXX Ingo Money suspending my account -- and other people 's accounts -- for legitimate checks -- causes significant handicaps to people 's ability to access banking services. I am requesting once again that the CFPB intervene to restore access to Ingo Money 's check cashing services.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 2 illegally report items on my report that need to be deleted now, see letter attached
Product: Credit card

On XX/XX/2016, I ordered some cosmetic products at XXXX, XXXX, NV XXXX for delivery by shipment on XX/XX/2016 - because the merchant did not have all of the products in stock and because we did not wish to attempt to return to our home in XXXX with those ( requiring additional airline baggage fees ). The merchant agreed to ship those products for free due to the size of the purchase - {$2200.00}. However, upon reflection, we decided we would cancel the order and returned the next day to do so. Since the merchant prevaricated about how that could be done ( for several days including in person, via text and email messages, and over the phone ), the credit card used for the charge ( American Express ) was called and the charge disputed. Though the credit card receipt said " There are no refunds or returns '', research of the Uniform Commercial Code with later confirmation by a lawyer we engaged indicated that we were within our rights to cancel that order regardless of the receipt verbiage, especially since we had not received the product. Initially, the merchant communicated with us about still shipping the product ( even creating a shipping label of which we were advised by FedEx ) and promising additional discounts. Using only the CC receipt, they attempted to rebut the dispute and initially gave American Express the ( unused! ) tracking number for the shipping label as proof of delivery. In one call with American Express, their agent even said that the merchant had claimed to have shipped the product ; however, when tracking status and other information ( text messages and emails from the merchant ) showed that the product had not been shipped, the merchant then claimed the product had been picked up at time of purchase. American Express tentatively accepted several disputes, but for each dispute eventually sided with the merchant. I feel that American Express has knowingly abetted a commercial fraud by the merchant by continuing to post the charge to my credit card account. I believe they have done so to curry favor with the merchant to ensure continued acceptance of their card by the merchant and/or to ensure they collect their credit card processing fee from the merchant. Our lawyer has advised that suing either American Express or the merchant for this fraud would cost more than the charge. It appears that both the merchant and American Express are aware of this and so are confident that they can perpetrate the fraud with impunity. Note that my wife has a similar dispute with her XXXX credit card purchase at the same merchant, but I suppose that will need to be filed separately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted an identity theft block request under FCRA 605B regarding XXXX XXXX XXXXXXXX XXXX unauthorized credit reporting. The credit bureau violated 605B by failing to block this information within the required 4 business days. I have filed an identity theft report with the FTC documenting this unauthorized use of my identity. 

XXXX XXXX XXXX XXXX created obligations and credit reporting without my permission or authorization. I never had any business relationship with them. Their continued reporting violates my rights under FCRA 605B. I request immediate investigation and removal of this unauthorized reporting.
Product: Debt collection

On XXXX/XXXX/2015 I began receiving calls and letters from RGS regarding account # XXXX for a debt of {$180.00}. The creditor is listed as XXXX but I do n't have any credit cards or loans with them. RGS has failed to provide me with any further information and have been calling me repeatedly about paying. I gave it a couple months thinking they 'd figure out it was n't mine, but the calls keep coming.
Product: Credit reporting or other personal consumer reports

**Attention : TransUnion Dispute Department** Dear TransUnion Team, I am XXXX XXXX XXXX Upon reviewing my credit report, I found unauthorized inquiries that I neither initiated nor approved. 

I have reached out to the associated creditors and it appears that they do not have any documentation or evidence to suggest that I initiated or authorized these specific inquiries. It is concerning, as these entries were made without my explicit written or verbal consent. 

In light of these findings and in accordance with Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports, 15 U.S. Code 1681b, I respectfully request the immediate removal of the following unauthorized inquiries from my credit report : - XXXX XXXX XXXX  Date : XX/XX/XXXX - XXXX XXXX ( Finance ), Date : XX/XX/XXXX To ensure a prompt resolution to this matter, I have enclosed proof of my identity and my current address. I anticipate a timely response and expect an updated copy of my credit report reflecting the necessary corrections. 

I trust TransUnion will handle this matter with the urgency and seriousness it demands. Thank you in advance for your cooperation and understanding. 

Warm regards, XXXX XXXX