23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Thursday XX/XX/XXXX tried to deposit cash in Capital One ATM at XXXX  XXXX  on XXXX XXXX in XXXX XXXX the ATM took my cash but did not credit my account or give me a receipt. 

Called Capital One told me I would get an immediate credit within 2 to 3 days. 

Called back Monday XX/XX/XXXX told me the investigation would be 10 days and no immediate credit. 

We're working on the claim you filed for your account ending in XXXX on XX/XX/2020 for {$480.00}. Your claim number is XXXX and we'll be in touch when our review is finished.
Product: Vehicle loan or lease

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, am a federally protected consumer, natural person, and original creditor of an open-end credit plan was denied my rights by JPMorgan Chase Bank , N.A., doing business as Chase Bank on XX/XX/2022. Due to 15 USC 1602 ( g ) For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Chase Bank was notified by this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by Chase Bank via electronic mail. I was discriminated against and denied my rights based upon my income. THE NEW PAYMENT AMOUNT IS TOO HIGH RELATIVE TO INCOME, which is a false statement since all obligations to pay my open-ended credit off is to be directed to the United states based on 18 USC 8 . According to 15 USC 1602 definitions of The Truth in Lending Act, I, as a natural person possessing an open-end credit plan was harmed by Chase Bank adverse action taken against me, denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). Chase Bank is now civilly liable to pay me for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
Product: Credit reporting or other personal consumer reports

There was an unknown hard inquiry that showed up on my credit report from SynovusXXXX XXXX on XX/XX/23. I have no knowledge nor dealings with this company. I never gave authorization for this company to access my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to dispute inaccurate information from Transfinancial Companies. They have listed two accounts one in the amount of {$940.00} and the other in the amount of {$6600.00} placed on my credit report which I have tried to dispute with the company through the credit bureaus. The company has said the information is correct without any documentation to support the statement. They have not provided any validation of the debt to me. They company has placed this inaccurate information on my report and does not want to follow the proper guidelines for credit reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noticed inquiries on my credit report that I did not authorize nor have any knowledge of. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am XXXX XXXX and XXXX XXXX 
So almost one and half months back someone from XXXX emailed me asking to buy products. After having back and forth emails, and agreeing on the prices, they emailed their credit card information to charge. 
I sent them an authorization form and asked to fill up, sign and send back along with a copy of their ID. After I received their forms and ID I matched the info and put the information on my merchant 's virtual terminal to run the card. The card successfully went through. I waited couple of days, the amount hit the account so I shipped their goods through XXXX and they received it. 
They contacted again to submit another order which I did through the same process, I asked to sign a new form they did, they sent and I shipped the products. 
They contacted for their 3rd order, and again I went through the same process and shipped their products which they received on the XXXX. 
On the XXXX after 41 days from the 1st charge, I received a chargeback email from XXXX XXXX  which is my merchant account provider, showing that card holder is disputing all the transactions. 
The same day I filed a claim on IC3 but no one has contacted me yet. 
I also challenged the chargebacks by providing all the documents, and after all today the bank has denied the challenges. 
I called them to ask whats going on, but they didn't help at all and I was told that I have to pursue this out of the credit card provider company. 
I reached out to FTC and filed a claim with reference number of XXXX. The suggested me to call CFPB and make a complaint. So I reached out by the phone and was advised to come online and submit the claim here.
Product: Mortgage

Good afternoon, My name is XXXX XXXX and I am writing in regards to my forbearance period on my home which is occupied by myself and my son. We initially made our forbearance claim at the end of XX/XX/XXXX which went in to effect XX/XX/XXXX. 

Just before XXXX XXXX XXXX - I was hospitalized in XXXX XXXX Maryland and spent several days in a XXXX XXXXXXXX XXXX. For the next several months - I spent the entire time in the hospital essentially unable to communicate with the outside world. As a result of this - I was unable to start my forbearance until as soon as I got out ( late XXXX ). Which is right on the cusp of being able to extend it by 1 5months ( until XXXX XXXX XXXX ). 

I contacted Freedom Mortgage who said despite my extenuating circumstances ( which I offered medical documentation for )- they were unwilling to make any exception to grant the extension. An extension which is legislated by the CARES Act and also monitored by the CFPB. Now - I know that I am like literally on the cusp of not being " eligible '' - however my family is truly one of those desperately affected by the pandemic and an extension of 3 months as allowed by law would be life saving for us. 

Thank you for your consideration and all you do. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had open a account with Chase aroun XXXX when i open that account everything was ok but like a week later my account was closed with no explination. Also i found out the Chase share my information with out my consent Also the charge me Unlawful NFS Fees as well The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX has reported my mortgage late 150 days to XXXX credit reporting agencies while my account has been in a billing error status ( 12 CFR 1026.13 ) since XX/XX/year>. I have requested that they send me all the accounting according to XXXX. They have yet to do so. Instead I was sent a ledger and a letter stating what Im asking basically is too much work. Pursuant to 12 CFR 1026.13 ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. Then my account was in a loan modification status and I sent in the documents to the return address and was ensured no payments were going to be reported late and they illegally did that as well. I also informed them by mail and phone that there was a default in my letter of credit/bill of lading/good and I am authorizing all the accrued interest and fees be applied in full and refunded per terms and agreements. My account has yet to be credited according to XXXX XXXX. I gave acceptance and consideration and returned the good. They are now telling me that my home is in a foreclosure status but have not given any administrative process or notices to me in regards to that. They are trying to me illegally foreclose on a home that I have a perfected XXXX lien that I security interest in. The mortgage deed and the note have been separated and sold which also makes a breach in the contract and cancels out the mortgage. XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had a line of credit with affirm for a chair I bought from XXXX  XX/XX/2021. It says you will receive the product within 20 days. I never received it. So since I did not I filed a dispute with affirm. I had to send the screen shots of the problem multiple times ... .after a month they were finally disputing it with the card...... I guess that takes XXXX days they said you won't be able to make anymore payments while it's disputing. 

Now that I go to use affirm again they denied me for failing to pay my loan!!! I was like no it's in dispute. They sent me a letter for credit denial because I failed to pay my loan... .the loan that is in dispute. This is incorrect information. I did not fail to pay my loan. I paid it up until they said I can't anymore since it is in dispute. Not to mention I still have not received a refund for the payments I did make for a product I never received.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX Balanced {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items deleted in my file as soon as possible. 
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 : OPTING OUT OF CREDIT REPORTING FOR SXXXX XXXX ACCOUNT # XXXX I am writing this DEMAND LETTER to FORMALLY OPT OUT of any credit reporting for the account XXXX XXXX  # XXXX on my consumer credit reports. THIS REQUEST IS NOT A VERIFICATION OF ACCOUNT! THIS LETTER AND COMPLAINT ARE SOLELY REGARDING MY LEGAL RIGHT TO OPT OUT OF ANY REPORTING ON MY CREDIT REPORTS. 
Under the Privacy Act of XXXX ( 5 U.S. Code 552a ), I am REVOKING any power of attorney XXXX Bank had or has regarding my personal, private information. According to 12 CFR 1016.1, 1016.13, 1016.14, and 1016.15, as a FEDERALLY PROTECTED CONSUMER, I HAVE THE RIGHT TO OPT OUT OF ANY REPORTING ON MY CREDIT REPORT. This letter serves as a CLEAR AND CONSPICUOUS NOTICE of my opt-out request. 
As per 12 CFR 1016.7 ( g ), YOU MUST COMPLY with a consumer 's opt-out direction as soon as reasonably practicable after receiving it. Section 12 CFR 1016.7 ( h ) states that a consumer may exercise the right to opt out AT ANY TIME. Additionally, 15 U.S. Code 6802 REQUIRES the company to provide me with an opt-out notice regarding disclosures of personal information, WHICH I HAVE NEVER RECEIVED. 
Under the Consumer Financial Protection Act of XXXX ( 12 U.S. Code 5511 et seq. ), this subchapter and the regulations prescribed are ENFORCED BY THE BUREAU OF CONSUMER FINANCIAL PROTECTION. I am EXERCISING MY RIGHT TO OPT OUT OF ANY REPORTING on my credit report, and XXXX Bank MUST COMPLY as soon as reasonably practicable after receiving this notice. 
Given that XXXX Bank has provided UNREASONABLE MEANS TO OPT OUT, I am submitting this OFFICIAL OPT-OUT LETTER in writing. Additionally, I REQUEST THAT ANY NEGATIVE MARKS related to this account be REMOVED FROM MY CREDIT REPORT until this matter is resolved.
Product: Debt collection

I reached out to south west requesting validation in XX/XX/XXXX. They did not provide proper documentaion. In their response they stated they did not have to provide a contract. Per fcra anything other than a dated signed contract does not validate a debt. I responded with another request for validation and they did not respond back with requested items or to delete account from all reporting credit reporting agencies and to cease all debt collection tactics until this matter is handled
Product: Credit card or prepaid card

XX/XX/2019 I called XXXX and ordered a atm for my bank account from bank of America XXXX said it would arrive in 3 to 5 business days Not arrived as of XX/XX/2019 I ha ve had identity theft and us mail theft and. XXXX fraud I need to know where this card is asap..
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. 

TransUnion : Personify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from. the credit file you maintain under my Social Security Number, Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am wiling to settle your civil liability damages i have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 US.C. 1681n ], Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send several letters and several complaints my next letter will be to my state attorney generals office and then court. Equifax is reporting outdated information on my credit report in which i have even called and asked for them to remove and they still have refused in which these things are damaging my credit score. This is very stressful for me as it has made me denied for many things which is unacceptable. I know there are several people with the name XXXX XXXX in my area over 1,000 and i demand that Equifax comply. i have not send a dispute i am demanding for a compliance check and asked if they cant perform that i have then asked for permanent removal of the following : 1.XXXX  XXXX 2XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6.XXXX XXXX 7. XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that you have reported inaccurate information concerning my Credit Report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 
The inaccuracies on my credit report include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). My identity was compromised in a data breach, and the accounts and items listed below were fraudulently opened or reported without my authorization. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was put on as an authorized user in XX/XX/2021. After I saw the negative affects of being an authorized user, I was swiftly taken off as an authorized user XX/XX/2021. I filed a dispute with XXXX and they said they resolved it but the credit card still appears as open on account with the debt still there and has not been updated off of my account. This is hindering me from getting my own card and also bringing my credit score back up. I confirmed with Apple and they agreed that I was taken off XX/XX/XXXX and now it is about to be XXXX.
Product: Checking or savings account

On XX/XX/, at XXXXXXXX XXXX  there was a transaction in the amount of {$510.00} from XXXX. When I woke up and immediately saw the notification of the purchase, I called both XXXX and my bank Chime ( XXXXXXXX XXXX ) around XXXXXXXX XXXX that same day. XXXX said they did not see any transaction in that amount on my and my husband 's accounts and told me to contact my bank and dispute it. So I did and they cancel the card and was sending me a new card in the mail. I sent all of the emails from XXXX customer service reps that states there was no transaction done in their system and I sent emails of pictures of all my transactions in the month of XXXX from both accounts. The bank denied my dispute 8 times saying " no error occurred '' and while I keep dealing with disputing the charge, I received emails up to 4 times from Chime saying my debit card purchase was declined from XXXX in the amount of {$200.00} means someone is still trying to use the card. I'm going back and forth with both XXXX and Chime and I still don't have my money. I'm on my 9th dispute with Chime now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX denied my car loan application because of some insanely low credit score issued by some unknown, unprofessional company called XXXX They are a scam fishing for personal and private information and this has happened to tons of people on the internet. 

XXXX and XXXX need to be investigated and handled because it is trashing many people 's abilities to make purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Equifax and told them to remove hard inquires on my credit report because I did not authorize the hard inquiries. Equifax replied to me by mail dated XX/XX/XXXX and told me they will not delete the inquiries because they are verified as accurate. XX/XX/2018, I sent Equifax an inquiry removal letter, because I have hard inquiries on my credit report that I did not authorize. I received a reply letter from Equifax dated XX/XX/XXXX stating that they will not remove the inquiries because they are verified as accurate.
Product: Credit card

I have been making payments on my credit card account that they are not posting. My payments never lower the balance. XXXX. Current balance of {$230.00}. I made a payment of {$120.00} on the XXXX and my balance. I have reached out the company and they show the payment but can not explain why none of my payments for the past few months are not adjusting my balance ( I am not late, its a 24.9 % interest. My last payments of {$120.00}, {$1300.00}, {$22.00} and {$21.00} = {$180.00} should have my balance to {$50.00} but the card company refuses to try to figure out what is happening.
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 submissions Equifax consistently responds with in 24 hours 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
Product: Checking or savings account

For 3 weeks now I have been in contact with USAA Federal Savings Bank ; the amount that I am permitted to deposit via the mobile app is just {$1000.00} on my end ; on their end they are saying it shows {$25000.00} and they don't know what is wrong. They are telling me to put an incorrect amount on the deposit and they will fix it on their end. This feels dishonest to me. I need this fixed ; I have contacted them on multiple occasions but no one will get back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX reported a late payment of 30 days on XX/XX/XXXX in the amount of XXXX dollars, and XXXX XXXX XXXX XXXX reference # XXXX on XX/XX/XXXX reported a Chapter XXXX and in doing so 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 a account information without my written instructions.