23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

As a customer of JP Morgan Chase Bank, I have an existing checking account that is in active status. I opened the account with my foreign passport in 2007. 
I was trying to open another account with my US driver 's license and my SSN info. I was rejected by the branch banker. The banker required my passport according to Chase internal policies based on " Know your customer '' regulations. 
I asked what 's the exact term in " Know your customer '' regulation is this internal policy based on, the banker was not able to provide this information. Later she escalated this case to Chase compliance office. 
I received calls from the compliance offer later the same day, the representative called me was not able to provide the name of the law or regulation that this internal policy is based on. Later I received calls and letters from Chase executive office with the same response. 
The only information I have received so far is Deposit Account Agreement ( DAA ), in which states " For a personal account : your name ; residential address ; date of birth ; and Social Security Number, driver 's license of other identifying documents. '' My request : I would like Chase Bank to disclose what 's the name and the exact term of the regulation or law that requires Chase to check passport ( given that I provided the same info years ago ). 
I would like Chase Bank to revise DAA to make it explicit what are " other documents '' and under what circumstances should such documents be required. Also the language is ambiguous because " or other documents '' implies identities before " or '' are sufficient and " other documents '' are only required when all these identities are not provided by customer.
Product: Mortgage

My original mortgage belonging to Green Tree mortgages is now owned by Ditech. According to their own statement rules, a payment is not considered late until after the XXXX day of the month. Based on my pay schedule I can not always pay on the first of each month but am able to pay well before the XXXX of each month occurs. I receive harassing telephone calls from ditech ; chiefly from XXXX, sometimes four to six times a day EVERY DAY from usually the 3rd of the month onward. When I do answer, no one on the other end responds. This is bordering on harassment and I want it to stop. 

Additionally, today is XX/XX/XXXX and I received my XX/XX/XXXX statement on XX/XX/XXXX that includes to payment statement, stub and return envelope. This happens ALL the time with these people and it has nothing to do with my local postal carrier as my other utility bills arrive in a timely manner. Please help, because my next step is to go to my state 's AG office.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX opened a collections effort against me for XXXX XXXX  XXXX XXXX. It appears to be dated XX/XX/XXXX, 2017.  XXXX XXXX XXXX XXXX charged me for services provided by laboratories that were not in the network for my XXXX XXXX XXXX XXXX coverage without my knowledge or approval. Each time when I checked out of the office, I was told that no payment was due. 
When I attempted to discuss the account with XXXX XXXX  XXXX XXXX on several occasions, they would not address the issue in detail and never returned phone calls in regard to the matter. It appears that they have done this several times and have not attempted to resolve the issue when I contacted them to discuss the matter. These are unauthorized charges as they are associated with annual physicals that are fully covered under my insurance plan. This appears to be a repeating pattern for this medical group and should be investigated by the Georgia licensing board as an unfair practice. If this negative impact matter is not promptly removed from my credit report, I will file formal complaints with the governing medical licensing group and with my insurer in an attempt to have the practice removed from in-network status with XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
Product: Payday loan, title loan, or personal loan

I believe this happened over 6 years ago. I took out a {$500.00} payday loan, repaid it before the due date, and that was that. Now, several years later, I attempt to cash a regular check at Amscot, and they tell me they can not due so due to my unpaid payday advance. This is ridiculous. Not only did they not credit my payment, they tried to force me into another payday loan. There is no reasoning with them. Due to COVID I was in need of a payday loan, and i can not get one because of AMSCOT. Now since this was sooo many years ago, I have since switched banks and moved to a different county. I do not have any documentation of that at all. Not even bank statements, I do not remember which bank i had used, but i am sure i no longer have that bank since i only have one bank and it is a credit union. I have no proof i paid them and they are saying i did not pay. There has to be a way to prove this. Please help and stop AMSCOT!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and raises serious concerns about consumer safety.
Product: Debt collection

This account was a payday loan from the XXXX XXXX in XXXX, XXXX. 
XXXX years will be complete in XXXX XXXX. I am requesting that this loan disappear from my account. Company has claimed XXXX/XXXX/XXXX which is incorrect. Please send copy of original note signed to me verifying date. Loan was made against my social security payment from the XXXX government.
Product: Credit card

I spent a total of {$890.00} to activate an American Express Platinum card for myself and my wife ( {$690.00} for me, {$190.00} for my wife ). American Express advertised to me in writing and verbally that the American Express Platinum card would entitle me to access lounges of XXXX XXXX when flying on a XXXX flight. This was the entire impetus for my wife and I to spend the {$890.00} on the American Express Platinum. 

However, American Express did NOT disclose that we would need to have an upgraded XXXX flight ( i.e., above basic economy ) in order to obtain access to XXXX lounges. I discovered this after I had booked multiple trips on XXXX ( with basic economy fare ) instead of on other, cheaper airlines. 

I spoke to American Express, and they said that this is too bad, and that they would not help remedy the situation in any way.
Product: Credit reporting or other personal consumer reports

Copy and paste this : I have recently checked my credit report and noticed that there is a fraudulent/ unauthorized credit account on my credit report with a balance. Im unaware of the opening of this line of credit. I have contacted the company and I was told that I need to dispute any inaccuracies with the credit bureaus. I have contacted the three major credit bureaus without any resolution. I want this removed from my credit file because its considered unfair and inaccurate credit reporting. I have also listed the 3 credit bureaus in this complaint. Please remove this inaccuracy or send me proof I have opened any line of credit with such company
Product: Credit card

I am appealing to you for help with my Citibank credit card account. 
Back in XX/XX/XXXX, I paid my credit card bill, but Citibank refuses to acknowledge receipt of the payment and continues to charge me interest and penalties. I have called many times and spent countless hours on the phone, including XXXX certified letters to XXXX XXXX. Being self-employed this has hurt our earnings considerably. XXXX XXXX  has confirmed my payments ( see attached letter ). This is an internal problem at Citibank, and I bear no responsibility per the Common Carrier Rule. 
We are an elderly couple, who are trying to take an XXXX trip for our XXXX anniversary and are depending on credit card miles to help. Citibank is preventing us for using the card and we can not earn miles, bonuses, or other incentives. It has also filed hard inquiries with credit agencies, dropping my credit score precipitously thus preventing us from getting a new card. This is unfair, and it is downright mean. 
I am asking you to use your influence to correct this situation by getting your bank to credit my account Interest and fees are now over {$750.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts involved : 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: Debt collection

XX/XX/2021 lost Job and apartment during Covid. credit took a Major hit and most of cards were charged off.
Product: Prepaid card

I have an American Express XXXX card for my daughter I have had the card now for three years this was the first year that I set up automatic withdrawals I have not been checking the account until this month and there has been a debit coming from the account for XXXX dollars every month for XXXX music which was not authorized I called number on card to report fraud I was informed I would receive a email for fraud three days ago I had not received it yet so I called to check on it and there was no record that I even called I asked to speak a supervisor I called from my cell and have literly on hold for one hour and forty five minutes now and have yet to speak with anyone there was no phone number XXXX under transaction to contact them that is a total XXXX dollar as of this month deducted that I did not authorize I do n't know what kind of company this is and what games they are playing I need a refund for unauthorized charges and this account closed. ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX license of XXXX XXXX XXXX was revoked following an erroneous local civil judgment in XXXX XXXX XXXX County. The Judge who originally entered the order, refused to correct the matter or hear the case. However, the Federal Court decision ( s ) are the highest court rendering a decision. 

The license of XXXX XXXX XXXX was revoked and the employment history and occupation was altered and/or erased ( missing ). XXXX XXXX XXXX has since reapplied for reinstatement of her license on XX/XX/XXXX as a XXXX XXXX but evidence has shown the occupation of XXXX XXXX XXXX as a Licensed XXXX   XXXX  from XXXX and maintained until XXXX as well as a XXXX XXXX license from XXXX with the final expiration date in XXXX but being revoked in XXXX and reapplied for in XXXX. A portion of the proceeds ( one-third ) that paid for the XXXX XXXX reinstatement application came from another XXXX XXXX case where funds were misapplied. 

These documents confirm the occupation of XXXX XXXX XXXX from XXXX. Prior to that XXXX XXXX XXXX was a student  with a work study job at XXXX  XXXX University.
Product: Debt collection

I received a letter from Medicredit dated XX/XX/2020 for the amount of {$1000.00}. In XX/XX/2020 I filed a complaint for this same amount from the same company, complaint # XXXX. The account number on the old notice is the same as one of the itemized bills included in this amount and the new notice is another account number but still one included in the amount. Medicredit is trying to collect again on the same account using a different account number. This issue was resolved with Medicredit, I should not be recieving a letter for collection on this same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION XXXX Is standing by the reverification of XXXX XXXX XXXX  derogatory and XXXX XXXX XXXX, SC Inquiries removed. Thanks. 

Clearly 15 USC 1681 sec XXXX continues in regards to privacy and/or inaccuracy. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX last submitted XX/XX/XXXX made request to remove inquiries. Also to address XXXX XXXX XXXX that continues to remain on report c/o XXXX XXXX. 

Out of state support of fraudulence is 18 USC 1030 : app related fees and fines since XXXX. 
Most of the inquiries are NOT even active accounts, just phishing and 15 USC 1681 violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax, are all three-reporting different information on my credit report when it comes to my XXXX  XXXX credit card # XXXX. XXXX showing the company took a full right when they did not because I paid half in the settlement, so they did not take a full right off. 
XXXX - Is showing Payment after charging off. 
XXXX Is showing just charge off
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Account Investigation and Removal To Whom It May Concern, I am writing to formally dispute several accounts listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Please note that I have provided my identification, including a copy of my government-issued ID, Social Security card , and proof of residency, to facilitate your verification process. 

The following accounts are inaccurate, unverifiable, or incomplete and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the FCRA, I request that you investigate these accounts and provide proof of their accuracy, validity, and compliance with all consumer reporting requirements. If you are unable to verify the information in full compliance with federal law, these accounts must be deleted from my credit report immediately. 

Additionally, under Section 609 of the FCRA, I request the full method of verification used to confirm the validity of these accounts. This includes a copy of any documentation you used during the verification process. 

Failure to respond to this dispute or to comply with the FCRA and FDCPA within 30 days of receipt of this letter will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. 

Please provide me with a copy of my updated credit report after completing your investigation. I expect this matter to be resolved promptly. 

Thank you for your attention to this matter. I look forward to your response. Request these be removed from XXXX, XXXX and Equifax.
Product: Credit card or prepaid card

To whom it may concern : I reviewed a copy of my credit report and ( XXXX XXXX XXXX ) address XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/2021 ( CAP ONE NA  ) Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/2021 Ran an unauthorized credit inquiry on XX/XX/2021 and XX/XX/2021. 
I never authorized such action and this constitutes a violation of my Rights under the fair reporting ACT:604 as well as a violation of my rights to privacy. Please contact ( XXXX XXXX ) and ( CAP one ) and investigate such occurrence. This needs to be removed immediately. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of :612 ( 15 USC:1681j ) there should be no charge for this report. In addition, as part of youre investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
Product: Credit reporting, credit repair services, 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 Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX~ Acct # XXXX XXXX XXXX ~Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC1681 section 602 states that I have a right to privacy 15 USC 1681 1681 section 604 a section 2 I consumer reporting agency can not furnish account without my written instructions USC 1681 C85 section States no consumer reported agencies may make any consumer Report containing any of the following items of information and other adverse items of information other than records of probation or crimes witch anti-date The Report by more than 7 years, 1681 S2 A1. A person shall not any furnish any information related to consumer to any consumer reporting agency if the if the knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I noticed several inquiries from your company that I dont recall authorizing. This is frustrating, as its lowering my credit score and causing unnecessary stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Letters received XXXX, XXXX and XX/XX/2022 On XX/XX/2022, I requested debt validation from the company. It was ignored. 
On XX/XX/XXXX, I requested validation of debt again. It was ignored. 

In XXXX, the debt was reported to the credit bureaus I have still not received the requested information from the debtor
Product: Debt collection

In XXXX of XXXX I ended my contract with XXXX after many years of poor customer service and not receiving paper bills after many, many requests. I sent them their final payment in XXXX XXXX. Last year, in the XXXX of XXXX, I notice on my credit report that Diversified Consultants has put a collection on my credit report for the final XXXX bill paid in XXXX. I notified my credit card company XXXX of the fraudulent collection and they removed it from my credit report. Today, XXXX/XXXX/XXXX, trustedIDpremier/XXXX is showing this collection on my credit report from Diversified Consultants again for this XXXX charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX we applied for a mortgage. XXXX  had my credit report and so did XXXX  but Experian had nothing. My whole credit file was missing. We started calling them then. Most recently, XX/XX/XXXX, began calling them again. The same situation. I was told my creditors do not report to them. We contacted our creditors and they all report to Experian correctly. I called and finally someone opened a report XXXX. The dispute shows my credit file but it still is not reflected on Experian and my FICO score just says no score available. I tried to call three times today and I get hung up on. I do not know how to resolve this issue. The other two credit bureaus show all my credit cards, auto loan, past mortgages, etc but Experian shows nothing.