23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMB ( JP MORGAN CHASE ) reporting two unauthorized inquiries to the three Credit Bureaus XXXX XXXX, XXXX, XXXX ) Inquiry dates XX/XX/XXXX, XX/XX/XXXX. I do not recognize these unauthorized inquiries. I reached out to the agency on several occasions stating my complaint, as of date, nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes and requests to Equifax credit bureau many times in regards to inquiries that I did not authorize. They have done nothing. These inquiries were not authorized by me and need to be removed immediately. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX  - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   XXXX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Student loan

I submitted my XXXX forgiveness application in XXXX of XXXX. My payment count was updated in XXXX with qualifying payments of XXXX. I called in XXXX and asked the customer service person if there was anything else I needed to do. She informed me that I needed to submit the spplication again for forgiveness. So I submitted the form again. I have checked on my application and my form has been canceled as a duplicate form. I emailed them as I am unable to get human on phone, to see where the process is at as my count of payments has met the required number for forgiveness. Their responce was I have employment certified through XXXX and Your employment and payment counts will be updated with every updated form submitted. If your XXXX application is approved, then you will be notified that the entire remaining balance of your eligible Direct Loans will be forgiven, including all outstanding interest and principal. My issue is my payment count was updated in XXXX and approved and yet my loans have not been forgiven and the additional forms resubmitted were canceled. I would like an update on my account as its been XXXX months since payment count was updated and approved. My loan should be forgiven.
Product: Mortgage

On XXXX XXXX i received a letter from my mortgage company for late mortgage payments. When i first started making payments I was paying {$1200.00} now as of XX/XX/year> my payments went up to {$1700.00}
Product: Checking or savings account

XXXX/money network deposited checks to chimeXXXX XXXX XXXXXX/XX/XXXX deposit XXXX XXXX & XX/XX/XXXX deposit # XXXX, # XXXX. There is XXXX deposits that have same number but, was done at different times. Each deposit qty. ( XXXX ) in the amount of {$320.00} for a total of {$960.00}. I get a total of {$430.00} but, XXXX XXXX gets {$100.00} dollars unemployment has already sent XXXX XXXX there money on the same day. I contacted them they have already received funds. I called chime multiple times XXXX XX/XX/XXXX XXXX. I even contacted money network, XXXX  to see if anything was returned they said no all payments went through fine and sent me the deposit transaction numbers as seen above. I keep asking chime where is my deposits I get different answers from them-the government has to verify it, to XXXX is verifying the payment, I have to wait 1-2 payment cycles, we don't have your deposits, you have to wait until XXXX, if this is your first deposit your employer is holding the deposits in the whole. Witch all those answers they gave me are false. XXXX  does none of those things & the checks are from the government technically. My routing & account numbers were correct that was provided to XXXX. Chime is illegally with holding my deposits for there own benefit or gain. There is no reason why they should have my money for 5 weeks plus. I call XXXX  money network again they cant do nothing yet because it has not been long enough. But, I filed a fraud case with unemployment they told me to change my information, I did that. But, I haven't been able to get a hold of them since XX/XX/XXXX was the last time, I spoke to them and they said to keep calling chime that they have the money until they investigate. I called chime again XX/XX/XXXX they give me the run around saying they don't see any deposits in my account and they will email me when my funds are available. Today is XX/XX/XXXX XXXX pacific standard time and I have {$0.00} in my chime checking account. I have bills to pay they should not be holding deposits and something needs to be done my phone is off i sent out multiple resumes with that number looking for a job, my tags are do I got pulled over now I have ticket, more money I have to pay because of there illegal doings, my insurance for car is gon, now have to pay even more money to get new insurance, my car will get repossessed and I only owe about {$1500.00} dollars left until I own it and chime is messing up my life with holding that money. I lost my job XX/XX/XXXX. Im behind on rent. Can you please help me. Thank you.
Product: Checking or savings account

Chase closed my account due to fraud but I had XXXXXXXX XXXX  that they owe me and won't send me because they can't verify it. It's my money and I need it
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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within XXXX days of receipt of this letter.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a grave issue involving Capital One 's handling of a fraudulent scheme that has caused me significant financial and emotional distress. I have been a victim of a long-term confidence scam that Capital One has failed to address with due diligence. 

Despite my multiple reports to Capital One, including the submission of a detailed police report, they have not taken adequate measures to protect my account or recover the stolen funds. The scammers attacked my accounts in numerous ways, which I promptly reported to Capital One. They assured me that the calls were recorded and that an investigation would be conducted. However, no effective action has been taken, and my financial security remains compromised. 

It is my belief that Capital One 's failure to act is a form of retaliation due to my outspoken criticism of XXXX XXXX, Capital One 's XXXX. My statement expressing frustration with XXXX XXXX ' practices was an honest reflection of my experience and belief that he has been enriching himself at the expense of his customers. The subsequent lack of support from Capital One appears to be a direct attempt to silence and punish me. 

Furthermore, I am currently battling XXXX XXXX, and the emotional strain caused by these fraudulent activities has exacerbated my condition. The scammers exploited my vulnerability, using my healthcare needs to distract me while they carried out their attacks. Capital One 's inaction has not only allowed these perpetrators to continue their malicious activities but has also added undue stress to my already challenging health situation. 

I demand that Capital One be held accountable for their negligence and retaliatory behavior. They must conduct a thorough investigation into my case, reimburse the stolen funds, and implement stronger security measures to prevent such incidents in the future. Additionally, I request a formal apology for the distress and harm caused by their inaction and retaliatory actions. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure justice is served and that consumers are protected from such reprehensible actions. 

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

I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6500.00} XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$330.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$830.00}
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. 

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

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

We sold our home mortgaged through XXXX in XX/XX/2016. On XX/XX/2016 a refund of our escrow account was mailed to our old address. Apparently the refund check was deposited by unknown person on XX/XX/XXXX. We have been trying for several months to obtain a copy of this check in order to file a police report and start the process of actually receiving a refund. The mortgage company customer service department has given us excuse after excuse or flat out not told us the truth about the missing check or where the copy of said check is. We were last told it was mailed certified to our new address on XX/XX/XXXX. It is now XX/XX/XXXX and we still have not received this. We are respectfully requesting assistance to find out what happened to this refund and to obtain the refund due us.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my XXXX mortgage account on my credit report. I previously submitted a dispute regarding these discrepancies, but despite this, the reported errors remain unchanged. In light of this, I am requesting that TransUnion conduct a thorough re-investigation into the inaccuracies detailed below. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC XXXX ( a ) ( 7 ), I request a detailed description of the investigation process followed by your agency within XXXX  days of receiving this dispute. 
Summary of Discrepancies The XXXX mortgage account displays significant inconsistencies in late payment reporting across the bureaus : XXXX and TransUnion report late payments in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows only XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Acts requirement for accuracy in reporting. I request that you thoroughly investigate these discrepancies and correct the account status to reflect Paid As Agreed Never Late accurately. 
Request for Documentation Under 15 USC XXXX ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process conducted by your agency in response to my dispute. Additionally, under 15 USC XXXX ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding my account that solely pertains to my experience and payment history be reviewed for accuracy. I ask that this investigation be conducted within the legally mandated timeframe of XXXX  days and that the results be provided to me in writing. 
Furthermore, if you can not provide evidence to substantiate the late payments, I demand that the account be updated to reflect its accurate status as Paid As Agreed Never Late. In the absence of valid proof, I expect immediate correction of my credit report to reflect my timely payments, which is my right under the FCRA. 
Reference to PAANL ( Paid As Agreed Never Late ) The account history should reflect Paid As Agreed Never Late to ensure that my credit report accurately represents my financial responsibility. My records indicate that I have upheld all payment obligations without delay. 
Thank you for your attention to this matter. I look forward to a prompt and accurate resolution in alignment with the standards set forth by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I filed a complaint ( XXXX ) with the CFPB as Barclays Miles & More XXXX had incorrectly re-billed me for {$760.00} for a charge from XXXX. I requested three things be done : - This charge be revised - All associated late fees and interest charges be removed - Notification to the credit card agencies that the reported delinquencies be removed On XX/XX/XXXX, Barclays responded saying they admitted mistake on their part, and removed the charge as well as notification to the agency However, even until today, no reversals of the late fees and interest charges has been made, and a balance remains on the account. There should be XXXX balance. 

Attached file shows above from Barclays.
Product: Checking or savings account

A girl on XXXX said that she was giving out legal funds that she was working for a bank company and I sent her a dm with all my information and she put over XXXX fraudulent checks into my account but I didnt know that they were bad checks until the bank closed my account and now the bank is keeping the money since I owe them money
Product: Money transfer, virtual currency, or money service

I transferred some money from my cashapp to my bank account. The amount was {$700.00} on XX/XX/XXXX. I had my cash app set to be sent a specific bank account but for whatever reason it got sent to a old XXXX XXXX account I had that was closed because I had an overdue balance and stopped using it. I called chase customer service the following day to see how I could get the money back. The representative told me that since my account was closed the funds should arrive back in my cashapp within the next couple of days, and they also said that if it doesnt come back to my cashapp account that it would be sent through a check. The address I had on file was old so I gave them my current address so if it was sent through mail it would go to the right place. Days go by and the money never comes back to my account, so I call chase bank again to see whats going on. The representative I speak to this time tells me the money was sent back through a check but it was sent to my old address even though I gave them my new one. They say my best option is to go to a bank branch and request a form for them to resend the money back to the right address. When I go to the XXXX XXXX  branch I speak with a banker there and she tells me that the funds were never deposited into my account because the account was closed and the funds were sent back to cash app, she also gave me proof of this on paper and she said my best option would be to email cash app support and work it out with them, so thats what I did. I told them the situation in my email and sent them the proof that the banker gave me that the money wasnt deposited in the account, I asked to file a case so they can investigate the situation and see what the best option was to get my money back. When they emailed me back they said that chase bank they said the bank denied their attempts to recover the funds and I needed to contact their ACH department moving forward. At this point I dont know what to do because Im getting 2 different answers from these companies and neither one is telling me they have the money, but I know it didnt just disappear. So I go back to the XXXX XXXX  XXXX XXXX more time and I call cash app support while Im there with the banker there as well to assist me if I need help. They tell me the same thing and we cant come to a resolution even with the banker there and I ask to speak with a supervisor, they tell me one will email me soon I ask if I can speak to one in person and they say no and hang up, so I leave. Im at my wits end here at this point, I dont know what else to do and Im frustrated about the whole situation Im writing this report hoping that there can be some resolution from this because I feel cheated and like Im being played with over a matter that should be very simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items I'm getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and FTC REPORT TRANSUNION WILL BE SUED and lawyer will be contacting TRANSUNION if these items are not removed in the next two weeks!!!!! 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
Product: Other financial service

HELLO, Re : Account # XXXX I have called asked you people over 15 times to change my DUE DATE and you still have not done it propery! YOu keep sending me emails telling me I am past due. What till it take for your incompetence to be corrected? 
I really regret ever getting into bed with you. And I can not wait to pay you off in full, so I do n't ever have to deal with you again. It was a mistake and I will NEVER do business with Conns! 
CHANGE MY DUE DATE TO THE XXXX of each month immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received this collection debt saying I owe {$130.00} including penalty fees. I says that the creditor is from an electric company. I did not open a account with an electric company. I have been a victim of identity theft in the past ever since I entered my personal information on the internet and did not have virus protection on my computer.
Product: Credit card

It first started off when my XXXX was compromised and had to set-up a new password with XXXX-step authentication. However, during the time my XXXX was compromised there were multiple changed to my accounts and learned my lesson for not having most of my passwords the same. I was able to take care most of the issues, but the biggest one was from PayPal Credit/Bill Me Later. Someone purchased something on my PayPal credit card for {$1900.00} to a company called XXXX in XXXX of 2015. Following suit I disputed the transaction, but it was soon to be denied. I then tried again, but once again was closed. I contacted them why, but they kept on telling me that I did not win the case. At this point I really just need a refund as my credit card does n't even have a regular balance for {$2000.00}. I was told there is nothing I can do except contact the merchant for a refund on this issue. I went ahead and explained this issue to the company, XXXX, and they denied me also because their product they sell is non-refundable. I kept going back and forth with XXXX through email because their phone is just automated and PayPal through phone. Nothing has gotten through to them and this has dragged out to XXXX months now. I never felt this vulnerable before and terrible customer service from managers on both sides saying things like " Here is the short version, you purchased an online product knowing that it was unrefundable. Please know that no refund will be given and no further communications with us regarding this is needed as the answer will be the same. '' I was hurt to hear this and reading it seemed very hostile and saying that I authorized this purchased when I did not. Please help me if possible. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I applied for the XXXX XXXX American Express credit card back in XXXX 2022, which on the page I applied it advertised I could receive XXXX bonus delta miles after applied and used {$XXXX} in the first XXXX  months. I still haven't received that advertised bonus mile and when I called them they are saying only new customer could receive this offer which there is NOWHERE stating that on their website when I applied ( I used to have a different AMEX credit card but I close that account couple years ago, but they are saying I am not a NEW customer... ). 
It is absolutely not acceptable, completely false advertisement and scam. The ONLY reason I applied for this credit card is to get the bonus milage from XXXX and I did spent {$XXXX} after I opened the account. 
Also AMEX has been sending me mails ( more than XXXX times ) convincing me to apply for this credit card but didn't say anything about new customer only. 
If I know that I am not eligible for the bonus millage, I would never applied in the first place.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report