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

My issue is with JP Morgan Chase Credit Card Services and XXXX On XX/XX/XXXX I clicked on an advertisement on XXXX for their Prime Visa Card from Chase. The webpage said, " See if you're pre-qualified with no impact to your credit score ''. So I went through the prompts, specifically and only because it wasn't going to impact my credit score. 

This is the page XXXX XXXX XXXX XXXX XXXXXXXXXXXX On XX/XX/XXXX I received multiple alerts from my credit monitoring services that let me know that JP Morgan Chase had taken a Hard Inquiry from XXXX XXXX XXXX. 
I spoke to the Credit Bureaus, and they told me they can't dispute Inquires. However, the inquiries did impact my credit score negatively. They recommended that I speak to JP Morgan Chase.

I called JP Morgan at XXXX. They confirmed the action but couldn't help me that the advertisement said that. I was transferred multiple times, until being left on hold for XXXX minutes before I disconnected the call, without resolution. 

Given that Neither JP Morgan nor the credit reporting agencies seem to be able to help me remove this erroneous hard inquiry, I'm reaching out to the CFBP for help to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Midland credit out their address under my address on my credit report I do not have debt with them and they list 3 collections but I have never recieved correspondence from them
Product: Checking or savings account

On Monday XX/XX/year> around XXXX I made an atm withdrawal at XXXX XXXX XXXX XXXX  atm for {$120.00}. The machine dispensed a receipt but no money. I immediately talked to the XXXX at the store and asked if they could help me open the atm because I thought it might be stuck they said no I have to call the number on the atm. I called the number on the atm and they said I have to call my bank to file a dispute. I called chime and they said I have to wait for it to settle. As soon as it settled the next day I disputed it and the following day they sent me an email saying they completed their investigation and found no error occurred. I have the call records of me literally calling the atm and then calling my bank the same day it happened and I have texts to my family members saying how crazy it was because nothing like that has ever happened to me. I even did another {$20.00} withdrawal from the same atm to see if the money was stuck but the {$20.00} actually came out but the {$120.00} wasnt there so withdrew another {$100.00} cause I still needed {$120.00} cash. I would like my refund for {$120.00} and then I will consider this case closed but Im highly disappointed in chime because they didnt even properly investigate my claim.
Product: Credit card or prepaid card

On XXXX XXXX XXXX  notified all 3 CRA and identified information on my report that are a result of identity theft, these are not related to any transactions completed by me, XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a formal dispute with Experian regarding a XXXX XXXX charge-off appearing on my credit report. In my dispute, I specifically requested full validation of the account under FCRA 1681i and provided supporting documentation. 

I explicitly requested : A signed agreement proving I agreed to be personally liable. 
A full itemized account history, including transactions, interest, fees, and payments. 
Proof that XXXX XXXX still owns the debt or a chain of assignment if it has been sold. 
Confirmation of whether XXXX XXXX has written off the debt for tax purposes and issued a 1099-C. 
On XX/XX/year>, Experian responded stating that XXXX XXXX had " verified and updated '' the account but failed to provide any of the requested documentation. Their response merely updated certain fields on the account without addressing my clear request for verification documents. 

This is not a reasonable investigation under FCRA 1681i ( a ) ( 1 ) ( A ), which requires Experian to conduct a proper reinvestigation by obtaining and reviewing supporting documentation. Instead, Experian appears to have relied on an automated verification process without providing any actual proof. 

Since Experian failed to properly validate the account, they are now in violation of FCRA 1681i ( a ) ( 5 ) ( A ), which mandates that any item that can not be verified must be deleted. Instead, Experian continued reporting the charge-off without providing legally required documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay XXXX XXXX I notice that their was fradulents account that is showing fradulent so I sent Transunion a FTC report about this account that are not mines. I been asking them to investigate on this account but they are not investigating correctly so I got in contact with the company XXXX XXXXXXXX XXXX and they told me that the address that they got on file is not my address it a California address and I never stayed in California I stay in XXXX XXXX so I ask them can they send me a copy of the contract and they did somebody open this account in my name in California so I sent XXXX a copy of my current lease and also a copy of the FTC report and they email me back and said that they do see the address is listed from California and they agree with me to remove it. But I been trying to get transunion to investigate and they keep dispute and redisputing this inaccurate account which is showing fradulent all im asking is for Transunion to remove the account from my credit report I got the letter from XXXX agreeing for the account to be removed it is listed with the Cfpb please remove this account or I will get my lawyer involved
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, ( XXXX ) XXXX, Email : XXXX. As of XX/XX/2020 via Cash App ID XXXX  XXXX I had an unauthorized withdrawal transaction though My XXXX XXXX XXXX XXXX for {$1900.00} and absolutely can not contact any support via phone/email to dispute this transaction, which has settled. This basically cleared out my entire XXXX XXXX XXXX!! I did not do this transaction via my Cash App  phone or computer and suddenly noticed this large amount had been withdrawn from my Bank Account via cash App. Fortunately I was able to contact the recipient of the Account that was transferred to which is XXXX XXXX XXXX, and her Cash App ID is is XXXX  XXXX  Phone ( XXXX ) XXXX, Email : XXXX, and I contacted her and she claims she can not just do a refund because her account may have been hacked/compromised by a person stating he was a Cash App representative, XXXX XXXX, ID NumberXXXX, and is her account is now Locked, via email XXXX. Mrs XXXX seem to think the person may actually be a Cash App representative that did the unauthorized transaction because he has continually attempted to contact her via phone. Mrs XXXX also stated she lost over {$1200.00} in her Cash App account. I have attempted several times to contact cash App/Square Up company representative via my actual account and have not received any response. Please assist to verify, assist, investigate, and/or anyway help me in get my funds back and contact a real Cash App/Square support contact? XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account 1. XXXX XXXX XXXX {$650.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXXE {$670.00} 4. XXXX XXXX XXXXE {$890.00} 5. XXXX XXXX XXXX XXXX {$160.00} 6. XXXX XXXX {$300.00} 7. XXXXXXXX XXXX XXXXXXXX {$2100.00} 8. XXXX XXXX XXXX {$2300.00} 9. XXXX XXXX XXXX {$350.00} 10. XXXX XXXX XXXX {$970.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXXXXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been a month since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I asked him to stop contacting me and I also to. what is The debt about? and also how much any refused to give me the information. and so I can handle the business impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, XXXX the XXXX whos initiating this disputes under MY NAME. This item is UNKNOWN to XXXX. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA XXXX XXXX Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of this item which are UNKNOWN to me : XXXX  XXXX XXXX : {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened a letter from XXXX XXXX telling me I needed to pay XXXX dollars for a debt owed to XXXX  internet. 

I was completely unaware of this debt, and upon confirming with XXXX  I paid that debt with them that same day on that same phone call. I was then informed a letter would be sent to XXXX XXXX that the debt had been paid. 

On XX/XX/XXXX XXXX received notice I had negative activity on my XXXX and TransUnion credit reports, it was an open collections from XXXX XXXX XXXX for a debt I had paid. I immediately disputed with XXXX and they have removed both the open balance and the collections notice from my credit report, TransUnion is stating after my dispute that their information is accurate and I have an open collections debt. 

When I called XXXX  on XX/XX/XXXX asking if they had sent the letter to XXXX XXXX telling them the debt had been paid they told me it had not yet been sent, but it would get to them within 60 days. 

My credit has been immaculate, I've never missed a payment, am in good standing with all of my creditors and don't believe TransUnion got this right. I am potentially moving states for a new job and this negative impact on my credit will greatly affect my life.
Product: Mortgage

I sold my house in XXXX, and my mortgage was paid off. Freedom Mortgage stayed that they cut the check to close my escrow on XX/XX/2020. The check was mailed to the wrong address, and Freedom Mortgage has been dishonest about whether they would cancel the missing check and re-issue the payment. I spoke to a supervisor named XXXX today who insisted they were following federal guidelines, but could not tell me which ones. Freedom Mortgage has lied about their policies and procedures, and can not tell me when I will receive the money they owe me.
Product: Money transfer, virtual currency, or money service

Money transfer requested from my Merrill Lynch account to my BofA checking account. Saturday XX/XX/XXXX. Funds were debited from My Merrill account XX/XX/14 and were not placed in my checking account. Merrill has stated they were fixing it but no communication from them. Multiple calls have been made
Product: Debt collection

I have asked this company to send me directly, proof of me owing the large debt that they claim that I do. Proof, such as a contract. I was sent a bill, which I do not recognize, which is definitely not adequate proof of a debt owed. 

I have asked them to delete this account from my credit reports if they are unable to adequately verify this debt, as they are unfairly and illegally infringing upon my consumer rights!!! 

They have not only failed to deliver the adequate proof, but have also ignored my request to have this account deleted, due to them not adequately verifying the claimed debt. This is illegal!! Please deliver the adequate proof, or remove this item from my credit report and cease attempting to collect any money from me!! Thank you.
Product: Credit card

This credit card with Bank of America was stolen from me and was not report the account got close before i could resolve the issue
Product: Student loan

Good evening- my information was transfered from XXXX XXXX, and is showing in the Mohela site. I had a few issues XXXX XXXX was helping me with along with the ombudsmen team at student aid. My issue is, data is missing from my count, years are missing ( XXXX ) and there are also gaps within the subsequent years. ( post consolidation ) Also, some forbearance was accounted and others not during the PSLF waiver. I was waiting for the fall for the rules of the IDR waiver to apply and all the forbearance/deferment would count. I have sent mohela, emails for assistance with no luck. Cant get a live person on the phone. During those years my servicers was XXXX XXXX. I am not even sure if the DOE had done their final review. Can someone please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an extension agreement for the month of XXXX, I uploaded my extension agreement before the 30 day mark so that it would not be recorded as thrifty days late. I uploaded it on XX/XX/XXXX the same day that I spoke with a representative. I signed the document and sent it back. XXXX called me on XX/XX/XXXX more than 2 weeks after I uploaded the extension agreement saying that I was 30 days late. I uploaded the same document that day because customer service stated they could not see it on their end even though I could see it on my customer portal clearly showing it was uploaded. XX/XX/XXXX they reported me to the credit bureau as 30 days late. XX/XX/XXXX I spoke with a supervisor who could see the document but stated they did not process my agreement on XX/XX/XXXX because it was not dated. Which made no sense, the same document I uploaded on XX/XX/XXXX was reuploaded on XX/XX/XXXX, neither of them was dated but they still accepted it the second time with no date. They intentionally waited until I was 30 days late to tell me they couldn't see the document and that it needed to be dated. They do not want to fix it and it's irresponsible for them to accept the second document but not accept the first one when they have the same signature but no date on either.
Product: Consumer Loan

The alleged loan orginated in XXXX/XXXX/XXXX and the account was charged off in XXXX/XXXX/XXXX. The account was acquired by Resurgent Capital Services from XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. I was contacted by mail in reference to this alleged loan. The original creditor was XXXX XXXX XXXX XXXX, of which I have never had any dealings. I have submitted a written dispute asking for all original documents and proof of this alleged loan with my signature. The loan is clearly out of the statute of limitations and is uncollectable. Yet I continue to receive correspondence in efforts to collect this debt. Resurgent has refused to accomodate any of my request for any and all documents pertaining to this alledged loan. I consider this harassment and would like all correspondence to cease and desist. 
Thank you for your time
Product: Checking or savings account

I purchased an airline ticket from XXXX XXXX. XXXX XXXX cancelled the flight and scheduled me for a different flight at a different price. I called Airline and ask them to reimburse me for the difference, the agent agreed and said that I am entitled for {$100.00}. In addition, I paid extra for a seat, the airline reimbursed me for one way and the return flight. Airline didn't reimburse me the {$100.00} nor the {$19.00} for the return flight. I submitted a dispute about the charges, unfortunately Bank of America reverse my dispute without even talking to me. I called and called but no one whiling to help. I am a preferred customer, but it didn't help. I had previously complaint about the behavior of their customer service but they care. I informed them that I will move to a different Bank but they didn't care either. There are other issues that I faced previously with them, where they released some Bank account info to my ex, but I couldn't get anyone to listen to me. I recently received a call from the Bank asking how I like their services and I informed them that it sucks.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE INQUIRES ON MY CREDIT FILE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS IDENTITY THEFT
Product: Checking or savings account

XX/XX/XXXX - Opened a new account with Citizens Access with an electronic opening deposit {$3200.00}. 
XXXX deposit {$4000.00} XXXX Received notification of Frozen account, pending review. Called customer service, was told that it was due to the account being new and should be released in a week or so. 
XXXX Attempted to transfer {$2000.00} to my XXXX XXXX account to pay medical bills and received notification of failure. Called customer service and was told that there is a FREEZE on my account that has not been released from XX/XX/XXXX. She filed paperwork to have the restriction removed. I was told to check back in XXXX hours. 
XXXX Attempted to transfer money again and it failed again. Called customer service and the representative filed an escalated form to have the restriction removed by XXXXXXXX XXXX 
XXXX Attempted to transfer money again, and it's still failing. Filed complaint with CFPB.