23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Cash App Account XXXX, I submitted a Fraud/Scam dispute request for charges made with my XXXX XXXX XXXX issued by cashapp, after attempting multiple times to have the charges reversed for multiple valid and legal reasons. My initial request was completed within policy and FDIC regulations timelines and I submitted all required informations and documents attached to the follow up request the same day originally requested through cashapp 's support. agents as they had requested I do. Over a few weeks I submitted the requested multiple times now have waited the XXXX timeline as requested to allow them to investigate and without notice they have again denied the claim and closed my request. And as I have demonstrated that the charges were due to fraud and deceptive business practices by the merchant to prey on consumers and take money that was services of a product that was never reindered to me accordingly as advertised as well as the charges themselves were in the incorrect amounts I was over charged what I should have paid as well. Please see attachments for further details on the disputed Fradulant facts
Product: Credit reporting or other personal consumer reports

I see that TransUnion is continuing to violate my federal consumer rights knowingly which is beyond disrespectful and goes against federal law. They added a remark on the US DEPT OF EDUCATION ECS account that stated, " Account information disputed by consumer, meets FCRA requirements ''. I clearly stated many violations about this matter in my previous complaint. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). Also, according to 15 USC 6805 - Enforcement, it states how the Bureau of Consumer Financial Protection ( CFPB ) has to enforce the regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not protect my very personal information and allowed that information to be dispensed via a data breach. I will be forced to deal with this for years to come.
Product: Mortgage

I applied for a new home equity loan with my bank Chase. I make mid 6 figures of income, have absolutely perfect credit, I have my first mortgage paid off, 800 + FICO score, no credit card debt and currently over {$100000.00} in my various checking accounts at Chase. In my humble opinion, an excellent credit profile. Chase told me I was approved for a {$100000.00} home equity line of credit. Then they call me yesterday and wanted to know why I wrote a check to the XXXX XXXX XXXX for a little over {$20000.00}. They have no right to go into my checking account and look at my cancelled checks. They violated my privacy and my constitutional rights. By the way the check is for a family vacation rental this summer. I am filing a complaint that my privacy rights and constitutional rights have been violated by Chase.
Product: Credit card

On XX/XX/2024 at XXXX I called Chase to inquire about applying for a new credit card. Two of my accounts had been closed the previous month without my knowledge by Chase. I called customer service XXXX to find out if applying for another credit card at Chase would be an issue. The rep told me that she did not see any blocks on my profile and that i should apply and that I would be approved. But she said ultimately would depend if your credit score is high enough. My credit score is above XXXX. XXXX confirmed to me that I was not blocked from ever having a Chase credit card and that I could apply as many credit cards as I wanted. But I told her that two of my credit cards had been closed recently. She said you can not have those same credit cards but you can apply to other credit cards we have online and we have many. This rep deceived me and provided misleading information because a week later I got a letter from the fraud department stating that my account was closed at Chase. I had just been approved for a Freedom Flex Chase card with a limit of {$13000.00} approved on XX/XX/2024 at XXXX. But my account was quickly closed. I am upset for being misled and lied to about applying and knowingly they knew that I would be rejected in the end but good for their numbers. Now my credit score is ruined and it went just below XXXX due to this application. I think that if Chase knows that they don't want you apply to any credit card they should state so. Providing misleading information does not help us customers and it ruins our credits. Chase should just state you can no longer apply to any Chase credit card period. Now my chances of applying to other credit cards is limited since my score went down. But nevertheless XXXX XXXX took my application and approved me for a new credit card same day. But the damage by Chase has been done and I wish they would have been truth full and not misleading and using deceptive tactics to entice consumers to apply when they know the application would not get approved in the end.
Product: Mortgage

We had experienced a financial loss of income in XX/XX/XXXX. By XX/XX/XXXX we could not make our monthly morgage payments. So we tried to refinance our mortgages through PNC mortgage company.

However, we were denied. PNC stated we did not qualify for any of their existing programs.

In an effort to save our home we met with a HUD approved financial counselor through the XXXX  services in XXXX. He informed us that our 1st loan is founded through XXXX XXXX and that we sdould qualify for the Flex Modification program.

PNC never informed us of this and just denied us outright giving us no other options. If PNC would have informed us we could be right now working on rescheduling or consolidating our loans. Not to mention they would lose nothing.

My family has lived in this home for 17 years and have alwys had a good relationship with PNC mortgage company and would like to continue our relationship with PNC. All we wish to do is to continue to live in our home.

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

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against TransUnion for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored. As a result, TransUnion is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under XXXX XXXX XXXX XXXX, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to XXXX XXXX XXXX XXXX, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing.

Account Information and Discrepancies : TransUnion TransUnion continues to report multiple late payments, despite previously submitted disputes. Specifically : Two-Year Payment History : Shows multiple late payments ( 30, 60, and 90 days late ), culminating in a 120-day late payment.

Days Late - 7 Year History : TransUnion is inaccurately reporting 30 days ( 3 times ), 60 days ( 2 times ), and 90 days ( 5 times ).

Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by TransUnion. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with TransUnions removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I Did NOT give my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

These are the accounts that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX These are the accounts that need to be removed : Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Debt collection

I have a I do not recognize XXXX XXXX XXXX XXXX # XXXX account. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I owe. I request that XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Student loan

Hello, I am in the process of purchasing my first home and running into a roadblock resulting from my student loan carrier, Nelnet. My account number with Nelnet is XXXX. My student loans have been on deferment and I have not been able to obtain the monthly repayment amount once they resume. The mortgage company needs this information to underwrite my mortgage. 

I have contacted Nelnet six times in the last 2 months ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX ) and received different answers on how to get this information each time. I was told that I did not need to re-certify my income, I was told that I didn't need to do anything and just to wait, I was told that I had to re-certify my income and my application was waiting to be reviewed. The entire process has been incredibly frustrating and confusing. 

I recently opened escrow and all the mortgage company is asking for is a statement or correspondence that specifies my scheduled monthly payment amount after the deferment ends. I have received three verbal quotes from three different representatives stating that my payment will be between {$850.00} to {$900.00} a month but they refuse to put this in writing. Nelnet is stating that correspondence will take up to twelve weeks and by then I will fall out of escrow loosing XXXX of dollars on inspections. 

My ask is that someone from your office reach out to Nelnet to request they expedite a statement or correspondence of what my monthly payment will be within the next 7 days. 

With sincere gratitude, XXXX XXXX
Product: Credit reporting or other personal consumer reports

TRANSUNION : I have requested that my outdated names, erroneous names such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all erroneous/outdated following telephone numbers reported are old, erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX employment data reported is erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERRONEOUS INFORMATION IS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERRANEOUS /NO LONGER REVELANT EMPLOYMENT HISTORY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERRONEOUS NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : ERRONEOUS ADDRESS 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

On XX/XX/2013 your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit fixed and not able to obtain a credit score
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX CARD XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has repeatedly failed to validate this debt per my request yet it remains on my credit report and continues to have an increasing balance. 

The creditor Grant Mercantile continuously responds to my complaints but have yet to provide my signature on any documents that authorized transport in a ambulance and who the transport is for. Ive continuously in good faith have offered {$100.00} to settle this account regardless of validating the debt because it is hindering my score with their false reporting. They continuously come back with a counter offer that is outside of my budget and still fail to send me the documentation requested.
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer. 

Account name : XXXX XXXX XXXX XXXX XXXX Account balance : {$500.00} Account name : XXXX XXXX XXXX In Account balance : {$240.00} Account name : XXXX XXXX XXXX In Account balance : {$430.00} Account name : XXXX XXXX Account Balance : {$640.00} You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX days from date of notice. I look forward to your response. 

Thank you Resolution I want the transactions blocked and deleted from my consumer report.
Product: Checking or savings account

I admittedly hadnt used the account in some time but expected to of at least of been notified in some way if there was an issue with the account. I call today to have it closed and I was told the bank already closed it with a negative balance I asked if it was reported was told Id have to be transferred. After being on hold for almost 30 min I was sent to XXXX who was very rude and said even though I was already verified in the IVR he had to also verify me by asking for information the bank doesnt have. He was unwilling to reason and said he has flagged my account so no one will help me over the phone. I am XXXX and unable to do so. He mad mentioned that he doesnt care of the implications and welcomes the CFPB complaint. Its unreasonable to require a person to verify again and in a different manner then everyone else as XXXX said he was just doing it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letters I sent out here are the tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode lo living is obtained through personal interviews with neighbors, friends, or associates of the consumer of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also, every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX RE : Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$430.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the following accounts that I have marked as an inaccurate below : Incorrect address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Incorrect accounts : XXXX XXXX, XXXX First opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The company Illegally foreclosed on my property the XXXX XXXX had been canceled at XXXX XXXX clerk 's office the company had no right to send the property to foreclosure title has been cleared on the property which makes the company action unlawful and i also have paperwork showing where the company acknowledged where the loan was paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX # XXXX under XXXX XXXX XXXX, 15 USC 1681 section 602 A. States I have the right to privacy. USC 1681 section 604 A. section 2 : it also states as a consumer reporting agency can not furnish an account with my written instructions. USC 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 antidates the report by more than seven years. USC 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: Credit card

I have consistently made timely payments on this account, preventing any overdue payments. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card with XXXX XXXX XXXXXXXX was set on auto pay and I never received any notice from XXXX XXXX XXXX that my card was delinquent. After some investigation, it appears that this is a common problem where the XXXX XXXX XXXXXXXX auto pay malfunctions and costs people fees and adversely affects their credit. This started in XX/XX/2023. This delinquency is improper and should be removed from my report. After raising this with XXXX XXXX XXXX, they sent me a letter saying that I have no delinquent accounts with them, but my credit has not been fixed. Before this, Ive had approximately XXXX on time payments and have never had an issue.
Product: Credit reporting or other personal consumer reports

My credit score was XXXX 3 months ago. I obtained a new credit card and have XXXX dollars credit. I charged XXXX dollars on the card and repaid every dollar on time or before time. I have no late payments and my score went down to XXXX in 3 months. It should have gone up.