23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Around XX/XX/XXXX, I submitted an application to Chase for their Saphire credit card, which was denied on XX/XX/XXXX. I contacted the reconsideration department for an explanation, not understanding the difference between XXXX and XXXX XXXX I assumed their system was in error. The representative ran my score again at that point. When I said, " WOw- how can this be? '' She ran it another time. I was upset ; again, at this time, I was not educated on the different scoring models. I explained to the representative that I had seen my XXXX score earlier that same day. The representative ran it through XXXX and still denied my application. Throughout this process, I was unaware that my credit was hit that many times ; my assumption was that they were conducting an internal check on their system, since I disagreed about my score. The representative was very harsh and rude in the way she spoke to me, as if a person " like me '' should have just known I wouldn't be approved. I was offended and hurt by her comment, not sure if a " person like me '' was referencing my XXXX or veteran status. Previously, she asked how it was that I had he income that I reported in a way that let me know she did not believe it. She also stated that she the application was reviewed as if the income was before taxes. I explained that all of my income ( due to it being SSI and VA XXXX ) was tax free. She seemed upset for and asked me if I could show this " income '. I said " absolutely '', but she quickly changed her mind and said, " We don't require you to do that. '' That indicated to me that she had a personal bias about my XXXX, veteran status, and the ability to produce the income if asked. When I made an complaint, the executive branch contacted me, and he was just as rude and nonchalant as she was. He did not care to address the treatment from the representative and only wanted to tell me that my credit was not " good enough ''. He then told me that after running my credit an ADDITIONAL time, I was still denied. This angered me even more. I asked him why my credit was ran again, and all he did was apologize. I then brought up the fact that the previous rep had already ran my credit 3 times in a short span ( 1-2 days ) and he said there was nothing he could about it. I said, " Chase did not have my permission to hit my credit multiple times like that! '' He simply repeated that he was not going to do anything about it because " Chase has the RIGHT to run your credit as many times as we need to see if you qualify for our cards. '' I am asking for an apology ( genuine ) from Chase about the discriminative treatment I received, and to PLEASE remove the additional, unsolicited credit inquiries from the credit bureaus.
Product: Mortgage

I believe I am a victim of wrongful Foreclosure as well as a predatory loan. My loan servicer PHH mortgage Services was not sending me mortgage statements until they sent me foreclosure papers. When I called the bank, they told me I was missing XXXX, XXXX of XXXX and XXXX of XXXX. I then Paid XXXX of XXXX and they accepted that payment and put it toward XXXX of XXXX According to my mortgage servicer. I Then paid XXXX, and they told me they were sending my Cashier 's check back because they do not accept " partial Payments '' because they put my loan in foreclosure and said I need to reinstate my loan. I would have been able to pay the payments if I Knew I knew I was behind XXXX, and XXXX of last year. They told me they would send me a reinstatement amount that started at XXXX something and then went up from there. I contacted HUD and they tried to get me a loan Modification or a partial claim where they put the missed payments at the back of the loan, but they declined both my partial claim and loan modification stating my bank XXXX does not do loan modifications or partial claims. Now they want me to sell my house to extend my sale date to XX/XX/XXXX. I was informed that my lender/bank was handing out shady loans around the time that I bought my house. I believe that I may have been a victim of that considering I have been in my house for 18 years and it is still not paid off. Now I am facing a wrongful foreclosure as a result of this.
Product: Checking or savings account

Wells Fargo truly could not care less about their customers or the success and satisfaction of their customers. 

My problem is twofold : I have a credit score over 750, 100 % perfect payment history, {$0.00} owed on my credit cards and they will NOT approve me for a loan. Not only that, but when you call and try to get answers, they dance around the issue, don't tell you why, don't offer solutions, don't call you back, and don't offer advice on how to change the situation. They don't only not care, they genuinely don't even try -- even for people who have made a point to be responsible and put themselves in a situation for success. 

2 ) I opened an account with them ( why, because I was " guaranteed '' the loan if I did ( another lie ). Now not only do I have a pointless second account, I can't access it any way shape or form : online access gives me a permanent error message or a message that says " this site is down '' I called 5+ times to get them to let me into my account -- they never fix it and always say it's fine and it's probably just a temperary outage. After months of trying, that is clearly not they case. NOT only that, but they also will not send paper statements or estatements, so really they just don't try, don't care, and will cheat their way into any business they can get. They disgust me. They have hurt my credit score. They won't let me into my account. And they won't address a single one of my questions or problems. 

With all the other issues coming to light, they should be shut down, for good. I will fight them tooth and nail until they make things right with me -- which if it were up to them, would be never.
Product: Credit reporting or other personal consumer reports

This is in relation to my previous complaint XXXX where XXXXXXXX XXXX  put 3 inquiries on my ChexSystems report without my consent. Chex System 's dispute process is a sham, just a dog and pony show to fool the customers and the regulators. I specifically asked them that my consent was not asked and all they keep repeating like a broken record is " the information is accurate and complete '', they wont even say in writing that they asked for my consent which they know is not true. They didnt even bothered to ask XXXX a simple question which is if they asked for my consent or not? They just type up some random non sense in their response and think the customer will just give up in frustration and walk away. 

And I have finally received and attached the proof that they are all lying. Finally XXXX admitted they did not ask for my consent ( see attached letter from XXXX ) but Chex still has not removed this 3 inquiries from my report. I will keep filing complaints exposing their lies and sham dispute processes till they fix it
Product: Vehicle loan or lease

VW Credit XXXX # XXXX lease ended in XX/XX/XXXX paid off on XX/XX/XXXX title never was issued I had attempted to get title many times and was verbally promised that will be mailed to me soon. 

On XX/XX/XXXX after 3 years I inquired the same, and was told they don't have the odometer reading and a signed bill of sale. 
I was told they would send me the forms, never did. 
then I had asked for fax, but since then XX/XX/XXXX I had faxed them over 9 times with no success. 
I sold the car XXXX, but not getting paid until I get my title.
Product: Debt collection

Spoke with an individual from AFNI requesting my social security number and identifying information. I requested to know what their call was regarding. The individual seemed to become irritated and stated I owed a debt which I have no knowledge. There was an address in their file that they said belong to me. However, I never resided at that address. I lived in an entirely different state. The representative stated they'd mark the account as verified although it was being disputed. This derogatory mark has affected my credit with being subject to higher interest rates due to a collection item. I feel this is a direct violation of the Fair Credit Reporting Act by the creditor and XXXX. And I feel XXXX did not nor do they ever do their due diligence to investigate these matters. I feel XXXX always sides with the creditor. There needs to be reform to have credit bureaus do a better job. I've lost $ XXXX from this inaccurate reporting to my credit file.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

To whom this may concern. I am a victim of identity theft in which someone has used my identity to open this account with AD ASTRA RECOVERY SERVICE. I have made efforts to remove this account in the amount of {$1400.00} that does not belong to me. This account was fraudulently opened through this company AD ASTRA RECOVERY SERVICE in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Debt collection

on XX/XX/2022 I notify JPMCB of my intent to enforce my rescission rights. And I am demanding a refund of all funds and property paid, as well as taking any required and appropriate steps to reflect the termination of the consumer credit transactions securities interest. JPMCB has not replied at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrote to Equifax to dispute what they are reporting on my credit report. They did not send me a response at all. The PO Box mailing address is valid, and my physical address on my ID is also valid, but I did not get any response at any of the addresses. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file. 
As reiterated in my letter, if Equifax does not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Product: Credit card

Recently, without prior notification, PenFed significantly reduced my credit limit from {$3500.00} to {$500.00}. This action was taken despite my history of on-time payments and my near payoff of the entire credit balance. Upon contacting PenFed 's customer service, I was informed that an adverse action letter was issued ; however, I have not yet received any such correspondence. The lack of transparency and inadequate communication regarding this decision has not only been inconvenient but has severely impacted my financial standing and credit score by increasing my credit utilization ratio unexpectedly.

Concerns of Discrimination : The decision to reduce my credit limit without a clear and justified reason, and without proper notification, raises concerns about potential discrimination. This is especially pertinent as no substantial change in my financial situation would warrant such action according to the usual business practices. I believe this action may have been influenced by factors that could be deemed discriminatory under the ECOA, which prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, or age in credit transactions. 

Impact : The reduction in credit limit has not only limited my access to credit but has unjustly damaged my credit score, affecting my ability to utilize credit resources effectively. As someone who has consistently demonstrated financial responsibility, this action feels discriminatory and undermines the trust I placed in PenFed as a financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XXXX XXXX. Here is the tracking number XXXX. I sent the letter to remove personal information that I do not want on my consumer report. According to the Fair Credit Reporting Act 12 USC 1681, I have a right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with third-party people. 

They are in clear violation of my federally protected consumer rights.
Product: Debt collection

On XX/XX/XXXX, 2017 I sent XXXX XXXX XXXX a debt validation letter that they have ignored. It is my right per the FDCPA to ask for certain proof of documents and they have not, because they CAN NOT. I then sent them a HIPPA letter, and they have removed one of the three accounts. They are violating my rights under the FDCPA because they are refusing to validate these bills!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from XXXX  showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to

take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute and resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

You and they have multiple reports on file concerning the continued abuse of the LAW. Businesses continue to respond to inquiries even though there is and has been fraud alerts on the file. Also even though they have been advised I do not want queries they resist and say tough! To date I have been advised I have over XXXX inquiries on my account!! All of this has caused me sever financial harm! My credit score is lower by a major number increasing my loan rates and terms! What good is the faade of a LAW?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from all 3 of the major reporting agencies are being pulled by XXXX XXXX XXXX. Address of the company is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, Phone Number XXXX Per my conversation with them they indicated that XXXX XXXX XXXX requested it and they are just the contracted agency and they work for XXXX. I explained to Mr. XXXX XXXX and others from XXXX XXXX XXXX that neither XXXX nor they had my permission to pull my credit report. 

I have had 4 hard inquires now and it is affecting my credit.

This is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submittig this CFPB Complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
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. 

1, XXXX XXXX Acct # XXXX 2, XXXX XXXX 3, XXXX XXXX 4, XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have a 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 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act XXXXection 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX