23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

JP Morgan Chase foreclosed on our home and claims that it was legitimate and by the guidelines after accusing me of not submitting the requested documents in a timely manner, during a loan modification review. I submitted EVERY document that they requested and in a timely manner. The law firm that was assisting me with trying to obtain a loan modification even sent the same documents and in a timely manner as well. 
Evidently the documents sat somewhere in their building or mail room and did not get processed as they should have and they accuse me of not submitting them in a timely manner. I have written NUMEROUS times to inquire about our request and of course I could never get the same person on the phone more than once and always had to try to figure out who I could possibly speak with that could help me but there was never anyone that could. 
Although, I did manage to get temporary payments set up and got the number of one person that was able to help me ( but he could not help me with the rest, only temporary payments ) and he told me to call them in rather than mail them so I did just that. After making several temporary payments while our account was under " modification review '', which I did calling the same guy each month, I called the same number and he was not available because he evidently " was promoted and was no longer in that office ''. When I asked to be transferred to where he was of course the representative that answered the phone did not know where he was so she asked to help me. When I told her that I was set up with temporary payments she pulled up my account and told me that she could not accept my payment because our loan was under a " modification review '' ... .. so I reminded her of what I just explained to her but she would not accept my payment. When I explain this in my reports they basically accuse me of lying and say that no one there would have said that to me. Perhaps they could retrieve the " recordings '' that they say they make for " training purposes '' and find out that she did tell me that. I gave them the name of the n person that I spoke with and the number that I called. 
I am NOT going to stop reporting this because I think it is wrong for a XXXX XXXX dollar company to treat people that are trying to save their home like this and foreclosed on our home when we were trying to save it. 
They have been fined numerous times for doing this to homeowners but yet still get away with it. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? 

I bought a car on XXXX XXXX and gave permission for XXXX finance to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pullsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. Please help me to fix this problem. XXXX XXXX
Product: Checking or savings account

Hello, I am writing in hopes of getting help with solving the current issue I am facing with my bank. I am a Chase Bank holder and I recently was faced with someone using my debit card when I lost it. I lost my debit card on the night of XX/XX/XXXX when out with some friends. Later that week and moreover the following week I wasn't checking my account and it turned out someone was using my debit card to make purchases in numerous amount of places. After someone was using my debit card it amounted to {$370.00} of used funds. 

I tried to claim fraud charges on my account but Chase bank said I authorized the charges. I kept explaining to them that I was nowhere near where the charges were made but they wouldn't understand. They specifically indicated that I reach out to the restaurants to see if I could get my refund from them. I called every place and indicated that all transactions were final. 

I have credit cards and mostly all financial services with this bank and the way they tried to resolve this issue was horrible. I never knew how hard it was to fight for your money back. However, if I were using my credit card, the banks would've solved it a long time ago. They seem to not care when it's your money at hand. I truly demand a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A MOBILE PHONE SERVICE ACCOUNT AND RECIEVED MEDICAL ATTENTION IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, TRANSUNION, AND XXXX CRA & # XXXX XXXX ON XX/XX/2021 I MAILED XXXX, TRANSUNION, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT, ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USAGE OF THESE ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICEFOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Product: Debt collection

There were hard queries on my Credit report in XX/XX/XXXX when someone was trying to open account using my details in multiple banks, On looking at those hard queries I reported to Credit Bureau and informed XXXX XXXX and XXXXXXXX XXXX ( as hard queries from these 2 banks were reflecting on my credit report ). I also got my Credit freeze from Credit Bureau on XX/XX/XXXX. But the American Express opened accounts on the request of fraudster using my details/identity in XX/XX/XXXX which I was totally unaware of. I moved to XXXX in XX/XX/XXXX from XXXX  and never return to XXXX till this year XXXX XXXX. 
I have no clue who opened the account and used the cards, I reported it to American Express last year when I saw an alert on my Credit report and again this year about the fraud account. 
I reported it to XXXX Georgia Police, FBI and FTC a few days back. 
I raised a dispute about the address and this fraud account with Credit Bureau XXXX and they removed the address and one of the Amex accounts also But bank sent me a letter saying someone called American Express impersonating me and asking for Payment arrangements. I dont know who is talking to bank about the payment arrangements impersonating me. I never called American Express for any Payment arrangements request. I never requested or opened any American Express account after I left the country in XX/XX/XXXX. I don't know who opened the account and used the cards issued by American Express against those fraud account. I will not pay for any fraud account opened using my identity after XX/XX/XXXX which were not operated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXXXXXX : {$3200.00} XXXX XXXXXXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXXXXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX$2100.00} XXXX XXXX XXXXXXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX {$1600.00}
Product: Credit reporting or other personal consumer reports

My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer Portfolio Services , Inc    XXXX   XXXX   XXXX   XXXX   CA  XXXX  I had my   XXXX   XXXX   XXXX   finance by this company as of this day the loan has been paid but I had very bad accident   XXXX   which has left me unable to work and cut my income to  XXXX  for a couple of years , I contin ue to pay my monthly note of  XXXX  to Consumer Portfolio Services. And the were times that I could n't make the payment on time so I had some late  fees I conti nue to pay the company {$390.00} per until the late fee has been pay to this day. I just made a payment in  XXXX  of  XXXX  I spoke to  XXXX   XXXX  from the company and inform her that I can pay this off, but not all in  one check t he response was it has close by   XXXX   XXXX   XXXX  , or we going take action.   On   XXXX   at got call from an unknown  number,  XXXX   XXXX  , thi s person did n't acknowledge oneself, I did call the number back and it roll over to  Consumer Portfolio Services. I will continue to pay this bill as of   XXXX   as of this day.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XXXX XXXX to remove accountsthat are UNKNOWN to me. I came across this law today and according to the XXXX XXXX ( XXXX XXXX. XXXX ) you are required to remove any accounts orinformation not later than XXXX business days after the XX/XX/XXXX XXXX alreadyincluded this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

I regularly check my credit report, and more so when I have been denied or granted credit. I noticed several new inquiries on my report. Because they assertedly do not " dispute '' inquiries on consumer behalf, I was directed by the Credit Reporting Agencies to contact each company directly to dispute the inquiries and request deletion. I sent a letter of dispute and demand to delete the inquiry to Nicholas Financial , Inc. using the address for them that appears on my credit report.
Product: Debt collection

On XX/XX/XXXX, I received a bill in the mail from Midland Credit Management ( MCM ), a debt collection company. The bill states that an account was opened with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX in my name. The bill in the amount of {$730.00} defaulted on XX/XX/XXXX and was sent to MCM on XX/XX/XXXX. I called MCM on XX/XX/XXXX and informed them that this account is fraudulent. They told me they would mail the information they have on the account to me. They also told me that once I look over this information, I should call them back to continue the process of disputing the debt ( which I plan on doing today ). On XX/XX/XXXX, I received the information they mailed me on the account. The documents state that the account was opened in my name on XX/XX/XXXX. The item that was purchased with the account is described as a grey dresser. The person who opened the account provided an address in Florida and an email address. I immediately recognized that this person resides in the same state where identity theft has happened to me in the past. On XX/XX/XXXX, an individual used a fake drivers license with my name and address on it to attempt to take out an auto loan. I immediately reported this incident to the company and local authorities. I was advised to freeze my credit on all 3 credit bureaus, which I did. In XXXX, XXXX, I needed to unfreeze my credit for a credit check for an apartment rental. Upon doing this, I started seeing several credit inquiries from Florida. I notified the credit bureaus and froze my credit once again. My credit has been frozen since XX/XX/XXXX. This current incident was done without pulling my credit. This individual used my name and social security number to open the account with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my cry concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. THE CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is bus and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To whom it may concern, I am filing a complaint against TD Bank , N.A . regarding a fraudulent charge on my credit card for a sum of {$5300.00} that the credit card company denied. On XX/XX/XXXX, I called TD Card Services after receiving a suspicious text regarding a charge. The agent supposedly blocked the charge and cancelled my card. However, on XX/XX/XXXX, I saw that my card was still open and that there were three additional fraudulent charges on my account two at XXXX Market for a total of {$11.00} and one made through XXXX equaling {$5300.00} charged to the card between XX/XX/XXXX and XXXX. The physical card was in my possession throughout this period. I initially attributed these fraudulent charges to a USPS text scam. However, the first fraudulent charge occurred before the USPS text. I contacted TD again on XX/XX/XXXX, reported the fraud, and filed a fraud claim ( # XXXX ) well within the 60 days outlined by the Fair Credit Billing Act. This time, the card was closed. On XX/XX/XXXX, two of the charges were accepted as fraud, while TD denied the {$5300.00} charge stating that the merchant provided sufficient information to confirm my identity this information, according to a TD agent, was the details available on my credit card and my phone number. As of XX/XX/XXXX, I am still disputing this fraudulent charge. During this period, TD Banks Card Service agents have consistently misinformed me, made errors in their operations, and, on one occasion, neglected to submit my claim. They have also refused to provide detail about the merchant whose geographic location or business type could give further evidence to support the fact that I could not have made the purchase. On subsequent calls, TD Card Service agents acknowledged that their colleagues made errors. The dispute process thas dragged on for more than four months. On XX/XX/2023, TD Bank denied my case for the third time ( Case # XXXX, filed on XX/XX/2023 ). I have yet to receive mail regarding my second claim and the second denial review request. In addition, my requests to receive a call from the Claims Department and a copy of the documents used to review my case have not been fulfilled. A Card Service agent on XXXX XXXX informed me that the Claims Department is not cooperating with them regarding my case and refusing to call me. The Claims Department is also saying they are having trouble sending me mail. In addition, TDs Card Service team advised me to resolve the issue directly with the merchant, which I understand to be an unlawful course of action. As I understand it, TD Bank has a zero-liability policy and federal law states that consumers are not liable for more than { {$5000.00} } in charges that result from lost or stolen card information. TD Bank has not only falsely denied my claim, but its Card Service and Claims departments have not been transparent and consistent in their communications with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to American Express and they said that they would correct any error on my report caused by there company. Till this day they have not corrected any information on my credit report. I will be filing a lawsuit in my county for them reporting false information on my report. This has caused me financial difficulty and has cost me time and money to dispute this error. Please remove this inquiry within 10 days of this notice. i also have enclosed one of the three letters i received saying that they would remove this inquiry. American Express should contact XXXX and XXXX  to remove inquiry. 


Amex Inquiry from XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found collection accounts that were reporting on my credit that I did not recognize. Also, I discovered that the XXXX collection accounts were the same account but reporting twice with the same information. Except, XXXX was under the collection segment of the report and the other was under a different segment. 

The XXXX identical collection accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, 2023 {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$12000.00} I will include a copy of my credit report and some other documents as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX Account number XXXX These lenders have accessed my credit file : XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX has violated my rights 15 U.S..c 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for credit at XXXX XXXX XXXX on XX/XX/2022 was denied credit because they could not see credit information through XXXX.