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

XXXX XXXX Chase Bank and XXXX Banking Issue 's Checking Acct. Ending in XXXX Date From To Amount Reference num. Notes XX/XX/year> XXXX XXXX {$150.00} XXXX XX/XX/year> XXXX XXXX {$22.00} XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$50.00} XXXX XX/XX/year> XXXX XXXX {$25.00} XXXX XX/XX/year> XXXX XXXX {$60.00} XXXX XX/XX/year> XXXX XXXX {$200.00} XXXX XX/XX/year> XXXX XXXX {$640.00} XXXX XX/XX/year> XXXX XXXX {$220.00} XXXX XXXX XXXX received fund, she lives in MN. 
XX/XX/year> XXXX XXXX {$20.00} XXXX XX/XX/year> XXXX XXXX {$30.00} XXXX XX/XX/year> XXXX XXXX {$33.00} XXXX XX/XX/year> XXXX XXXX {$220.00} XXXX XX/XX/year> XXXX XXXX {$600.00} XXXX XX/XX/year> XXXX XXXX {$5.00} XXXX XX/XX/year> XXXX Chase Claims XXXX XXXX Called Chase Bank to fill a claim against XXXX XXXX for scamming me XXXX. XXXX XXXX thats when I got the Claim number. XXXX said because of the Holiday we need to wait until XXXX to see if it is rejected by Chase because of the claim. 
XX/XX/year> XXXX Chase Claims XXXX Spoke with XXXX from the Claims Dept, Per XXXX the {$220.00} went through. 
XX/XX/year> Chase Bank XXXX XXXX then gave me the XXXX XXXX # XXXX. I called XXXX, XXXX XXXX she could not help. She said go back to Chase Bank and ask for the XXXX support Dept. well I was informed by Chase that their is NOT A CHASE XXXX SUPPORT DEPT. 
XX/XX/year> Chase Bank XXXX XXXX Received a Denial letter no adjustments will be made XX/XX/year> Chase Bank XXXX XXXX XXXX XXXX XXXX @ XXXX re : reopening claim # XXXX Stated I need to speak with XXXX ( Supervisor ) XXXX transferred the call to XXXX. 
XX/XX/year> Chase Bank XXXX XXXX ( XXXX ) XXXX XXXX XXXX @ XXXX, Per XXXX ( Supervisor ) Claim was NEVER reopened. XXXX ( XXXX ) Keeps going to the Origin. Claim # XXXX Denial letter dated XX/XX/year>. XXXX ( supervisor ) Told me to call Tech SupportXXXX XXXXXX/XX/year> Chase Bank XXXX XXXXXXXX XXXX XXXX XXXX, XXXX gave me the steps to get the History of XXXX 's XXXX XX/XX/year> As of XX/XX/year> Chase Bank keeps blaming XXXX and XXXX blames Chase Bank XXXX 

XX/XX/year> XXXX XXXX Today XX/XX/year>, I will be filing a case to the CFPB for FRAUD against Chase Bank and then for XXXX.
Product: Credit card or prepaid card

American Express Closes my account for previous return payments, caused by my bank having my funds in hold. I asked amex to reopen my account and they dont want. They are breaching the contract of my both cards the hilton honors and XXXX XXXX. The agreement says : {$25.00} if your Account is cancelled, you ask us to re-open it, and we do so. If Amex dont comply with the agreement by reopening my both accounts, I want a debt forgiveness caused by the breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau.

Upon contacting the three major credit reporting agencies, I discovered that two of the three credit Reporting agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so.

By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially.

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc . ) due to headquarters customer service and unfair practices, which violate the customer 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer act ( efta ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you in taking the time to update some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus need to validate these accounts ( A ). I hope these disputed accounts will be updated. 
XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX Balance : {$5800.00}
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only XXXX XXXX accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

XXXX XXXXXXXX XXXX  XXXX - Civil Liability for Willful Noncompliance, XXXX XXXXXXXX XXXX  XXXX - Civil Liability for Negligent Noncompliance, and XXXX XXXXXXXX XXXX XXXXXXXX - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA XXXX XXXX. XXXX ( XXXX ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of XXXX XXXX. XXXX ( d ) ( XXXX ). 

Accounts listed below in green color highlighted and tag as in violation under XXXX XXXX XXXX XXXX ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, XXXX XXXX Code XXXX ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under XXXX XXXXXXXX XXXX XXXXXXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Debt collection

On XX/XX/XXXX I noticed a new collections account had been added to my credit report. Southwest Credit Systems is stating that I opened an account with XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Both accounts are fraudulent. This company is also changing the amount due so is currently reporting twice on my credit report. 
My apartment complex currently has an contract with XXXX XXXX XXXX for Internet and TV that I've been using since my lease renewed back in XX/XX/XXXX. So this account and information is incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information in my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Upon reviewing my credit report, I found inaccuracies that I believe are affecting my credit score and overall financial health. 
The items I am disputing are as follows : XXXX XXXX XXXX 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 accounts includes inaccurate information. 
According to 15 U.S.C. 1681 ( a ), I have the right to dispute any information contained in my credit report that I believe is inaccurate, incomplete, or unverifiable. I respectfully request that you investigate these matters and correct or remove these inaccuracies from my credit report.

Please find attached copies of any supporting documentation that verifies my claims. I kindly request written confirmation of your investigation results, as well as any changes made to my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe established by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove a fraudulent address on my report but Equifax refuses to take it off of report. I have documented proof and have had 2 phone calls where they stated they would delete however it never comes off. I have proof attached. On the attached file it clearly states deleted but its still on there. How is this even legal? Under the FCRA it needs to be deleted.
Product: Mortgage

Today my wife and I decided that we wanted to attempt to receive a HELOC or HELOAN through our 1st lien mortgage company, quicken loans. Upon arriving at this decision, we went to the website and clicked on the chat option. XXXX XXXX was the mortgage loan officer who assisted. At the beginning of our conversation he asked " What needs do you have and how can I can help? '' I answered, " I'm looking to get either a heloc or heloan for 15-17k to consolidate " X '' amount of credit cards. '' He say 's okay, I can help with this. After telling him what the goal was and how I'd had a previous conversation with Quicken, he requested information to run my credit ( all the while knowing i was specific in stating I wanted a HELOC or a HELOAN. After he pulls my credit he informs me, we can't/do n't provide HELOC 's NOR HELOANS at Quicken. This is repulsive. I demand that this inquiry be removed from my credit because of his unethical conduct. I'm development officer for a bank and if I or one of my employees did this to a client, they'd be immediately dismissed and so would I because it's an unethical practice. I CLEARLY identified my need. If he knew he couldn't provide that then proper thing to do would've been to state " XXXX XXXX, I know you said you're interested in receiving a HELOC/HELOAN. We do however have another option. We can do a cash out refi which is xxxxxxxxxxxx '' I would've kindly thanked him for his time and moved on as I'm not interested in losing the low 3.99 % APR on my first mortgage to refi at a 4.75 or ANYTHING higher than where I'm at now with additional closing costs and origination fees. The behavior is absolutely unacceptable and is the primary reason our industry has such a skewed perception and vision of how do business. I want the inquiry REMOVED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts that are fraud, they arent even with the particular companies and I Told XXXX XXXX and Regions and 3 XXXX XXXX  accounts about the problem. I sent proof over and the bureaus are still reporting the accounts. Equifax and XXXX says the account is in good standing and XXXX XXXX says that it is removed but i bought 4 new credit reports since then and i still see them! According to 3 consumer laws these accounts should be removed due to fraud and not belonging to me. XXXX and XXXX Inqiry on XXXX XXXX need to be removed. These accounts need to be blocked and removed, i called these companies several times and these need to be permanantly removed for fraud. XXXX XXXX and equifax claim to not have gotten all of my documents that I sent over and I got tracking numbers from the usps and receipts and no one is helping me at all. How are these things on my report when the fraudsters went to jail, im so confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX AT T ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX CO XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

On XXXX/XXXX/XXXX I contacted XXXX XXXX who is a loan officer for Arvest Bank ; who is also my current mortgage lender, regarding a FHA Streamline refinanace at a current rate of 3.50 %. My current interest rate with Arvest Bank is 5 %, and the mortgage term is 30yr. I initially asked for a 15yr term with a fixed rate, but he advised that my payment would raise {$50.00} dollars higher than my current mortgage payment and that I would not be permitted to do a FHA streamline refinance unless the payment is lower than my current payment. He then advised me to do a 30yr term, but I requested that it be a 20yr term, because I want to pay off my mortgage sooner. I was informed that a FHA streamline refinance does not require income or credit qualifying, as long as you have been current on your mortgage for the past 12 months, but XXXX pulled my credit without my authorization. He then told me, that he wanted to due my loan at a 30yr term and not a 20yr term, because he would not be able to sell it to an investor at a 20yr term. I tried to work with XXXX, but he was not very customer friendly, and continued to presser me to do a 30yr term loan. I called at another Arvest location and spoke with XXXX XXXX on XXXX/XXXX/XXXX, and filled out application, and she informed me that there was a state and federal tax lein on my property, and that it would need to be paid before I could refinance my mortgage. I contacted IRS and the state of Arkansas and was informed that I did not have any tax liens on my home. XXXX sent a XXXX No.XXXX Authorization form to prove that I owe no federal taxes. I filled form out XXXX/XXXX/XXXX returned to Arvest, but XXXX XXXX Closing agent with XXXX XXXX XXXX stare the IRS refuses to speak with her. this was either something to prevent or stop me from refinancing with streamline. I was told that my paperwork was going to underwriting XXXX XXXX, and I would close in a week. On XXXX/XXXX/XXXX I was contacted by XXXX XXXX who informed me that this was not going to happen and that XXXX XXXX no longer works for Arvest Bank and she would be handling my refinance and we can not prove that the XXXX Federal tax lien has been paid and XXXX XXXX XXXX ca n't verify that this has been released, yet I have paper work from the state which says this was released XXXX/XXXX/XXXX from the court house but XXXX and XXXX said it has to come from the IRS. XXXX/XXXX/XXXX XXXX said we would set date to close. XXXX/XXXX/XXXX XXXX said it had to go back to underwriting. It is now XXXX/XXXX/XXXX and I have left several phone and email messages, but no one has returned my calls. 
Yours truly, XXXX XXXX
Product: Checking or savings account

Regarding my Wells Fargo account I was charged late fees constantly and then they closed my account.
Product: Mortgage

I made a principal payment to bring my XXXX to 77.8 %. After it cleared I sent in a PMI waiver form to ask to have the PMI automatically removed. They are now saying the bar has been moved and I will need PMI until 65 % XXXX. NO where in my original loan documents from the original LOAN I signed did it state that. Also Washington state law does not allow PMI to be charged on any mortgage after 80 % PMI. They also said I need o get an appraisal which is crazy cause I have only been in the house for 4 years. How much value could it have lost i n the recent market. I have argued numerous times and now they want a check for a XXXX appraisal at my expense. I was always have been on the understanding PMI automatically removes unless there is some special circumstance such as a blighted neighborhood where the house may have lost value. This is with Flagstar Bank who is currently servicing the loan.
Product: Money transfer, virtual currency, or money service

Subject : Request for Reclassification of Dispute Numbers Dear [ Recipient 's Name or Department ], I am writing to formally request the reclassification of dispute numbers XXXX and XXXX to reflect that the transactions in question were not authorized by me and should be categorized as fraudulent. Both claims involve unauthorized payments that were processed without my consent, and I would like these cases reopened for further investigation. The dispute type should be amended to fraudulent unauthorized, and I request that they be re-evaluated under new dispute numbers as required by legal standards. It appears that the previous assessments incorrectly categorized these disputes as " service not received '' rather than addressing the fraudulent nature of the transactions. Please refer to the attached documentation for further details. Thank you for your attention to this matter. I look forward to your prompt response regarding the necessary adjustments. Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXXXXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that these payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit card

BMO Bank NA sent to me a letter dated XX/XX/year> which I received on XX/XX/year> stating that my credit card account was closed as of XX/XX/scrub>XXXX BMO did not provide me with notice before the account was closed. I had already scheduled a payment for my cable tv bill due on XX/XX/year>. BMO failure to provide advance notice of the account closure created a hardship for me. I also lost {$10.00} in BMO reward credits. I checked my account on the BMO website on XX/XX/year> and XX/XX/year> and the account still shows an available credit limit of {$14000.00} even though the account was closed. I believe that BMO should pay me the {$10.00} reward credits. BMO letter said " We are unable to reconsider this decision. ''
Product: Vehicle loan or lease

I advised the company to stop all calls as I do not know who they are. I have not done business with this company. I do not owe any money to this company. This company can not produce a contract between me and McCullough, Payne and Haan. Y
Product: Debt collection

I have never been presented with any affidavit that would provide validity to this assessment, and its my understanding and belief that no such paperwork exists. Every account noted has failed to provide complete accounting of charges from records of all accounts. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Experian have failed to delete even though the alleged creditors have failed. 15 usc 1692g HARD INQUIRES EXPERIAN XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX, XXXXRemoval date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX
Product: Credit card

My account has been set up for autopay for almost a year and I XXXX XXXX  and was out of work but didnt stop my autopay so I was returning because I didnt have money in my account. I never meant to be malicious. I have alway paid on time until this