23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase Home XXXX XXXX Tuesday XXXX XX/XX/2022 Around XXXX PM ( ET ) I thought Mortgage Lenders are required to provide Pre-Qualification ( meaning no, or only a soft, credit score pull ) to provide me with a mortgage estimate. I filled out Chase Home XXXX Form with my personal information, past renter 's information, employer 's information, salary, and assets. Then they immediately organized for someone to call me to approve a hard pull of my credit score. The person 's reason is that Pre-Qualification and Pre-Approval is the same thing... 

But any online search says Pre-Qualification is based on self-disclosure and the Lender 's estimate would only be their best estimate. Therefore not the same as Pre-Approval.

How am I supposed to show multiple lenders both for the estimate before the Pre-Approval??? And then get dinged twice on my credit score???

They also said they would need to do a hard credit pull to provide me with an initial Pre-Qualification estimate because they can not see my debt, but it was NOT asked in the form. 

But if you are pulling my credit, then that is Pre-Approval! 

Maybe I'm wrong but when you search for the difference in Qualification and Approval... So it just would be great to have an idea from Lenders without dinging my score for the estimate and THEN the approval if I should past the limit while searching for a home. 

Chase 's website even makes it seem like it is two different things until their get your cellphone...
Product: Credit reporting or other personal consumer reports

TRANSUNION According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. You are incorrectly reporting my account balance limit of {$3500.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX My account Limit XXXX XXXXXXXX and you are incorrectly reporting it as {$750.00} giving me a high utilization of 56 % Please fix this IMMEDIATELY. 

I HAVE ATTACHED SCREENSHOTS OF MY CREDIT XXXX  ACCOUNT LIMIT AND BALANCE FOR PROOF.
Product: Credit card or prepaid card

I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.
Product: Credit reporting or other personal consumer reports

To : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment Reporting Dear Sir/Madam, I am writing to formally dispute the late payment ( s ) reported on my credit report associated with my account, in accordance with my rights under federal law. The reporting of these late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the fair credit XXXX Account ( XXXX XXXX ), has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

3. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit card420 account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b.

The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ).

I request that you conduct a thorough investigation of the reported late payment ( s ). If the information is found to be inaccurate or unverifiable, I expect it to be corrected or removed from my credit file promptly, as required by law.

Please provide documentation verifying the accuracy of the late payment ( s ), including but not limited to : 1. Proof of the payment due date and the date payment was received.

2. An explanation of how the payment was deemed late, in light of the statutory requirements.

3. Confirmation of compliance with the legal grace period outlined in 15 USC 1666b.

Failure to address this matter accurately and promptly may constitute a violation of federal law, and I reserve the right to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies.

Please respond to this letter within 30 days as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX, XXXX and Transunion regarding my personal information on my credit report. It seems other names or addresses that do not belong to me are on my credit report. 

My only Name is : XXXX XXXX XXXX My only SS is : XXXX My only Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX My only Employer is : XXXXXXXX XXXX XXXX I see my XXXX XXXX All other names, addresses or employers are wrong and do not belong to me, please update my personal information and delete all the wrong information. 

I have attached Proof of my Drivers License and SS Card.
Product: Credit card or prepaid card

XX/XX/21 my macys credit card was closed due to inactivity, which I was un aware of. They closed with no notice to me.I have had this card for over 11 years and have periodically used this card. This card is one of my longest standing relationship and will hurt my credit score. 

I called on XX/XX/21 asking them to open the card back up and allowing me to spend money on their account. They told me repeatedly that this was not up to them, but because of my inactivity, I was not able to reopen.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX XXXX mail, requesting an investigation into multiple items on my credit report that I believe are inaccurate, along with a bankruptcy record that is reported with discrepancies and incomplete information. In compliance with TransUnions requirements, I included all necessary documents to verify my identity, such as a recent copy of my proof of address, my government-issued ID, and my Social Security card . 
Despite providing these documents, TransUnion refused to conduct the investigation as required under the Fair Credit Reporting Act ( FCRA ). Instead, on XX/XX/year>, I received a response from TransUnion stating : We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. 
According to the FCRA, if a consumer disputes the completeness or accuracy of any information in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to verify or correct the disputed information. Despite my compliance with all identification requirements, TransUnions refusal to conduct the investigation represents a violation of my consumer rights under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

AFFECTED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax logged me out and locked me out of my credit file after about XXXX minutes studying it. After that their system stated that I am not allowed to have access to my credit file because I already got one. When I called their XXXX number several times and each time I was transferred to a call center in the XXXX. They stated that they are not allowed to disclose their location then they proceeded asking me personal questions under the guise of " they must verify my identity ''. Equifax already has my social security number, my date of birth, my address and my telephone number BUT they wanted me to disclose my bank account information, my major credit card information, and a selfie of myself and a picture of my driver 's license. This is clearly XXXX XXXX. Equifax was able to verify me at first online through their portal but XXXX minutes later the system denied my access to my own credit file. Call center person stated that Equifax is a government agency. This is a fraud because Equifax is a privately owned corporation. I already filed a complaint with the XXXX, Georgia District Attorney, Georgia Attorney General and now with Consumer Financial Protection Bureau. This is an unacceptable practice and clearly data mining. Please get back to me as soon as possible with a resolution.
Product: Credit reporting or other personal consumer reports

I sent out dispute letter on XX/XX/year>XXXX  to TransUnion regarding several discrepancies on my account and I never received an information as a follow up.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App fail 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 reply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These acts has caused significant inconvenience and financial loss, and I seek appropriate readdress for these violations.
Product: Debt collection

In XXXX of XXXX I had a hospital visit at XXXX XXXX . I was discharged the same day and I covered {$1300.00} which is what I was told I owe, the rest was submitted to my insurance. In XXXX on XXXX I received a bill for {$3900.00} from the same hospital. After contacting my insurance XXXX XXXX they assured me it was an error and they will settle it. In XX/XX/XXXX I received another bill and was told that the total amount of the bill had now ballooned to {$8500.00} and the insurance would only cover {$4500.00}. After calling XXXX and requesting a detailed bill and information on why wasnt the amount disclosed earlier I havent received anything. In XX/XX/XXXX I received a debt collection letter for the same debt.
Product: Mortgage

XXXX XXXX @ XXXX XXXX reached out to my brother XXXX in regards to our existing loan we financed in XXXX to see if he was interested in refinancing and getting a conventional loan. XXXX did not really understand the bennifits but told XXXX he would be interested in getting more information. XXXX text XXXX saying that it would save him on his mortgage insurance. XXXX never reached out to me directly before pulling a hard inquiry on my credit report. He called me and I was shocked to find out he had already pulled my credit and started the process without speaking to me first. I immediately asked him to resolve this issue and he said he would speak with his manager. THen replied the next day saying there is nothing they could do. I want to report this behavior it is a negative experience that I have to now dispute this with the credit bureaus and don't feel they are taking my complaint serious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint thru the CFPB to Experian, and in return Experian 's response is that there is a third party. I am not third party, I am a person. I give CFPB and EXPERIAN, authorization to proceed with my claim of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th complaint against Equifax and their failure to remove this account that ISN'T MINE, Equifax has been shown proof several times that this account isn't mine and they have been given the chance to fix their mistake, but yet they continue to report this fraudulent account with proof that the account isn't mine. My next step is to file suit for {$1000.00} for each wrong doing that Equifax has done to me, as this false account is defaming my name. Remove this account immediately # XXXX and show me how you verify this nonsense, i can take a wild guess XXXX which is unreliable! Especially when i have shown proof 9 different times. Stop wasting my time and effort, next step is {$1000.00} in my pocket for each false account with this account number # XXXX
Product: Payday loan, title loan, or personal loan

The company sold my loan to another company and i already paid it off and got my title but the original company still has it as a existing account on my credit report with no payment made in 3 month, i reached out to their customers service but they give me the run around and refuse to help me
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My banking accounts have been garnished 4 times on an account that was closed on XX/XX/XXXX and has exceeded the statue of limitations for the state of Colorado. I have made no payments to this debt collection agency willingly and they persist to collect on this outdated account. I would be glad to set up an arrangement directly with XXXX, but wish to have all communication and debt collecting to cease from XXXX XXXX XXXX # XXXX, Fenton & McGarvey Law Firm, P.S.C., XXXX XXXX XXXX XXXX, XXXX, KY. XXXX. Ph # XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute an inaccurate item that has appeared on my credit report. I recently reviewed my credit report from XXXX, and I found that NCB MANAGEMENT SERVICE has reported a debt under my name that I do not owe. 

Details of the Dispute : Account in XXXX Original Creditor : XXXX XXXX XXXX XXXX Current Creditor : NCB MANAGEMENT SERVICE Disputed Amount : {$860.00} Reason for Dispute : This debt is inaccurate because I never did business with the current creditor. The original creditor sold this debt to the current company without my knowledge, and I do not acknowledge this debt as valid. 

I request that this item be removed from my credit report immediately, as it is not a valid debt, and is negatively affecting my credit score.
Product: Checking or savings account

On XX/XX/2021 at XXXX XXXX I got a call from a person saying from XXXX if the charge for {$1400.00} for an XXXX on my bank account was made by me and I said no. And they said they would put the money back in my account and added XXXX more which was XXXX which I watch them do on my bank account online app. Then I went to the bank to wire their money to them. But I found out someone unauthorized a transfer from my savings to my checking which was not connected with any overdraft fees and use my money to do it. And they are claiming that is was a scam and possibly could not recover the money in scams. But the problem was never going to be a problem because I would not have sufficient funds to wire to them because it was not transferred by me and there would be no money to wire so it is their problem if they don't have enough security to unauthorized have a transfer move from my savings to checking my life savings and have it be gone because I would never send my own money
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data- such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULITPLE MONTHS IN A TOW WHEN AN ACCOUNT CAN OHNLU FO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECITON EACH MONTHYOU HAVE REPORTED THESE ACCOUNT INACCURATLEU LONG ENOUGHREAGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY.. SO DELETE THESE ACCOUNTS NOW!!!!!! PLEASE!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and countless other people at risk. According to their equifaxsecurity2017.com website I am a potential victim of the companies negligence in securing my data and reporting the breach in XX/XX/XXXX to consumers, and would like a resolution. The current " FREE '' option they are providing to protect the customers ties to it the release of my rights to hold the company liable for any damage their negligence cause to my identity or credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX

3. XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

5. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX.

6. XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

7. XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

8. U S DEPT OF ED/XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on 2/1/2010.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX  - XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 8. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXon XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I made multiple attempts to complete my identification and dispute process with experian provided to me in an email ... 5 attempts on my phone, when i would complete all the information and get to the third window to submit the site would crash not allowing me to submit the needing documents ... after the 3rd time i found this to be suspicious so i took pics and attempted 2 more times on my phone coming to the same results the site crashing and i having to redo the entire process again... i then attempted to use my computer the site crashed again at the same window preventing submission... i took pics and tried 2 more times on the computer ... thats 8 attempts to submit the documents, not including numerous attempts certified mail documents with my id that i also have been mailing them for over a year i am frustrated with experian clear violation of 15 usc 1681i and their attempts to ignore the misuse and abuse of my credit report
Product: Debt collection

I am writing to you regarding Bank Of America Credit Card Account ending in XXXX. 
This account was delinquent, and I hired a debt settlement company that worked to settle multiple accounts on my behalf, including XXXX credit cards from Bank of America. The debt settlement company, XXXX XXXX XXXX, reached a settlement for this account for {$660.00} to satisfy the original account balance of {$1100.00} Payments of {$220.00} were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX totaling the {$660.00} to settle the account. Attached are letters I received from B of A regarding the agreement to settle, as well as proof payments that were successfully made to B of A from the bank account of XXXX XXXX XXXX ( account ending XXXX ). These payments cleared successfully per the settlement agreement, but the payments were never marked as paid by B of A because this account is still listed on my credit report as past due as recently as XXXX XXXX  XXXX. I called B of A customer service myself on XX/XX/XXXX, and they stated that the agreement was considered broken as of XX/XX/XXXX due to nonpayment, which is incorrect as the entire {$660.00} was paid as agreed on the dates above. I reached out to XXXX XXXX XXXX  who handled my settlement and made payments on my behalf, and their case manager XXXX XXXX contacted BofA on my behalf ; B of A admitted by phone to misapplying the payments for this settlement to a different credit card account, but still refuse to mark this account as paid and settled, and so it still on my credit report to this day even though it was paid off in XXXX. This is still causing me financial hardship to this day, as it is negatively affecting my credit and causing undue problems when I have settled and paid all my debts according to agreement. I am asking B of A to honor the payments that were made per this agreement, and mark this account as settled as of XXXX when payments were made to them, so it can be removed from my credit report as delinquent.