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

I applied for a travel rewards credit card with Chase bank to take advantage of a promotion for points which were to be awarded for opening the card and spending {$4000.00} within 3 months of account open. 

I applied on XX/XX/2022. The application stated that the decision could take up to 30 days and that I would be notified via USPS mail of the decision. I waited the required time but never received any correspondence from Chase. After the 30 day period I contacted Chase customer service via phone. I was told by the Chase agent that my credit card application was denied. I inquired about reason for credit denial and was told that they do not disclose reasoning for credit decisions. 

Never once did I receive any written communication from Chase about the status of my credit card application nor the reason for adverse action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulled a hard pull on my credit. Which, I didn't mind at the time. They have asked for several documents to be submitted, I couldn't submit those documents at that time until the following day. I did not receive any phone calls from them nor any e-mails that they've denied my loan request. I have to call to find out that they dined my loan. I asked them why, and they wouldn't give me a solid answer. The hard pull on my credit is what hurts me the most because I did not even have the chance to talk to anyone about the case or even show any proof. I called Trans Union to see if they can help me dispute my credit score, they stated that they need a letter of the loan denial. I called XXXX again and they would not give me a letter and kept saying that it was my fault. Any company that I've gone through credit cards or loans, you always receive a letter saying they have approved or have denied your request. I don't understand what their issue was, but it's unethical. Glad to be denied because I wouldn't want to do business with them even further after this incident.
Product: Credit card or prepaid card

First, I forgot my password and called 2 time for help but they nothing to do. 
Second, I called about my Barclays credit card ending XXXX before I use. They said if I use that card about {$2000.00} during first 90 days opening. They will waive {$95.00} annual fee first year and bonus XXXX miles about 4-6 weeks. However, now <90 days, and they charge fee {$95.00}.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX {$420.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Experian ) I called customer service and let a supervisor know that I was requesting the information needed and was not supplied the information reported for the findings of the investigation and was told I would not be receiving it I asked for a number to find the call we had together and was given XXXX as reference to the call
Product: Mortgage

In XX/XX/XXXX my family experienced hardship and qualified for XXXX relief forbearance. Our previous loan servicer, XXXX XXXX XXXX presented us with the options to either pay off the unpaid sum, place the payment at the end of our loan, or a modification. We continued to utilize this forbearance and had to certify with them every XXXX months. Every time I spoke with them I discussed the same options and voiced I would like it placed at the end of our loan. 

In XXXX our loan was sold to M & T Bank, and the records and notes on our previous account were deleted ( purposefully in my opinion ) in the exchange. M & T also said that the previous loan servicer " Didn't do the forbearance right ''. They're throwing blame off themselves for not reviewing our account before purchasing? They called me on XX/XX/XXXX to discuss the forbearance and said they no longer offer the option to place the payment at the end of the loan and we can modify or pay XXXX. I was told the program ended in either XXXX or XXXX for VA loans to utilize that payment type. It wasn't communicated to us that it wasn't an option until XX/XX/XXXX, right at the very end of our forbearance period. M & T sent us a modification notice which is dated XX/XX/XXXX but I checked my USPS mail scans and the document isn't listed that they delivered it. The modification offered wouldn't be affordable by doubling our interest rate and adding over 1k to our monthly payments. I believe they are preying on us. I did file with the California Mortgage Relief program since our forbearance ends this month and they are threatening to foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Experian address specific questions about an investigation they claim they made. The complaint is about Experian Credit Bureau not adhering to my request to remove specific information erroneously recorded on my credit report. Experian Credit Bureau was served a final notice and still has not submitted the answers to my questions about their investigation. This bureau has refused to remove all account information I have been disputing for a year now.
I specifically requested the following information from Experian : What certification/certified documents were received to conclude the investigation? I specifically asked for a complete copy of all information that was transmitted to the furnisher as part of the investigation.
I also wanted to know who they spoke to.
What was the date?
What was their position?
What number did they call?
What is the name of Experian employee who spoke directly to the creditor ( s )?
What is the position of this employee that spoke to the creditor ( s )?
What is your position to the employee?
I have listed below the companies/accounts ( 12 total ) Experian continues to record and will not delete. Please see attachments ( Exhibits A, B, C ) for each letter sent to Experian about the complaint/dispute.
They are as follows : 1. XXXX XXXX  Loan Type : Credit Card, Terms REV Industry : Bank Credit Cards Open Date : XX/XX/XXXX Status Date :XX/XX/XXXX No account number information recorded 2. XXXX XXXX XXXX XXXX Loan Type : Conventional Real Estate Loan, Including Purchase Money First Industry : Mortgage Companies Open Date : XX/XX/XXXXStatus Date : XX/XX/XXXX Acct # XXXX 3. XXXX XXXX XXXX XXXX Loan Type : Conventional Real Estate Loan, Including Purchase Money First Industry : Mortgage Companies Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX Acct # XXXX 4. XXXX XXXX XXXX XXXX  Type : Unsecured Loan Industry : Credit Unions Open Date : XX/XX/XXXXStatus Date : XX/XX/XXXXNo account number information recorded 5. XXXX XXXX XXXX Loan Type : Unsecured Loan Industry : Finance Companies Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX No account number information recorded 6. XXXX XXXX XXXX Loan Type : Auto Loan Industry : All Banks Open Date : XX/XX/XXXX Status Date : XX/XX/XXXXAccount # XXXX 7. XXXX  Loan Type : Auto Loan Industry : All Banks Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX No account number information recorded 8. " XXXX XXXX XXXX '' hired by XXXX XXXX XXXX XXXX Acct # XXXX 9. " XXXX XXXX XXXX '' hired by XXXX XXXX XXXX  Acct # XXXX '' 10. " XXXX XXXX XXXX '' hired by XXXX XXXX Acct # XXXX 11. Bankruptcy chapter XXXX Type : Bankruptcy chapter XXXX-dismissed Filed Date : XX/XX/XXXXStatus Date :XX/XX/XXXX Court # XXXX / Case Number : XXXX 12. Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ReportedXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the repossession reported on my credit file under XXXX XXXX XXXX XXXX account # XXXX. This repossession is inaccurate and must be removed from my credit report under my rights outlined in 15 U.S.C. 1601 ( Truth in Lending Act - TILA ), 15 U.S.C. 1681 ( Fair Credit Reporting Act - FCRA ), and specifically 15 U.S.C. 1681 ( b ) ( Written Consent Required ).

Reason for Dispute : 1. Violation of 15 U.S.C. 1601 ( TILA ) : My original loan agreement may have contained discrepancies, unclear disclosures, or misrepresentations that invalidated the lender 's right to repossess the vehicle. I request a full review of the legality of this repossession.

2. Inaccurate Credit Reporting ( FCRA Violation 15 U.S.C. 1681s-2 ) : The Fair Credit Reporting Act requires all information on my credit report to be accurate, verifiable, and fair. The date last active & date of last payment is incorrect. Also, if the lender can not provide proof that this repossession was lawful and properly executed, it must be removed from my credit report. 
3. Written Consent ( 15 U.S.C. 1681 ( b ) ) : Under 15 U.S.C. 1681 ( b ), the sharing of my credit information with third parties, including repossession agents or debt collectors, requires written consent from me. If consent was not properly obtained, in this case I never gave written consent, the reporting of this repossession is a violation of the Fair Credit Reporting Act.

No E-OSCAR Processing Manual Investigation Required.

I am formally requesting that this dispute not be processed through the automated E-OSCAR system. The use of E-OSCAR has been shown to result in inadequate investigations that fail to fully verify the accuracy of disputed information as shown in the most recent lawsuit ( Consumer Financial Protection Bureau vs. Experian Information Solutions , Inc. Case Number : 8:25-cv-24 ) Instead, I demand a manual investigation by a qualified Experian representative, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), which mandates a reasonable investigation of disputed information.

Requested Action : Immediate deletion of this repossession entry from my credit report.

Investigation into the accuracy and legitimacy of this account, including verification from the lender showing my wet ink signature on original contract/promissory note. 
Cease all negative credit reporting related to this matter until the dispute is fully resolved. 
Legal Obligation to Respond Pursuant to 15 U.S.C. 1681i, Experian is required to investigate and respond within 30 days. If this information can not be verified, it must be removed from my credit report immediately. Failure to comply with these federal laws may result in legal action by the consumer.
Product: Checking or savings account

On XX/XX/XXXX, unauthorized charges at XXXX appeared on my checking account at JPMorgan Chase. The amounts were for XXXX, XXXX and XXXX. I immediately disputed the charges. My account was closed and the claim was submitted. On XX/XX/XXXX, Chase sent me an electronic letter informing me that the charges were denied and I would be responsible for the all the charges. They told me that since a debit card was used and a pin was entered, that I did not protect my card and that I was responsible for all the charges. My account is now overdrawn, closed and I am in the negative for nearly 1k of charges on my account.
Product: Debt collection

I have a balance of {$4500.00} on my XXXX report. I do not who these people are they have not provided me with proper debt validation for this alleged debt. I have not given permission for any of my information to be reported to my credit. I am requesting to know who these people? and some type of information on the matter. Legally they have to have permission from me in order to sell my information. Again they are giving people my information i am being denied for housing. The company is the name is ProCollect XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

the government or the law we supposed to use to govern all entities activity in america says that collection accounts unless verbiage was put into an agreement can not include interest fee, charge, expense, etc when collecting a debt. 

so basically whatever a consumer is accused of not paying is the amount they owe, and not the amount that comes from adding extra charges. 

on my credit report thats exactly what this company did. they reported an debt on my account that is larger than the amount in their contract for original services. 

the debt that is on my credit report does not have a signature associated with this debt as well. 

even with no signature and the debt blatantly addidng extra charges and fees the credit bureau XXXX and XXXX still reported this on my credit report. 

how can they have investigated this debt to be true without a signature or original amount. 

XXXX and XXXX has verified this account was investigated and that was a lie to help opprotunity financial kept this debt on my report and keep their company receiving funds from opprotunity financial for being able to report it. 

these three companies are working in cahouts with each other to scam me and financial rob me of my ability to have access to great interest rates. i believe these three are in connection with each other to cause financial harm to me and american citizens by deliberatly not investigating the accuracy of debt they report on their own platform.
Product: Credit reporting or other personal consumer reports

ACCORDANCE TO TITLE IS USC 1681N. 16811, 1681s. for non-compliance and negligence these accounts, # XXXX. # XXXX XXXX. have Inaccuracies and have been deleted from EQUIFAX XXXX XXXX THIS IS CLEAR VIOLATION YOUR COMPANY IS HOUSING DELETED INFORMATION THAT HAS BEEN DELETED DELETE THESE ACCOUNTS IMMEDIATELY THIS FRAUD NON-COMPLIANCE AT ITS FINEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

my credit report states that my loan was late making my credit negative, I was in forbearance each time that it states I missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX with over 10 years service to my country. I became homeless in XXXX  for over 4 years. As such I lost most of my documents. I have recently become settled and in the last year I have been trying to resolve these fraudulent account issues with the following debt collection agencies. These accounts I did not open and their presence on my Credit Report has made it almost impossible to take care of my children and my family during this Pandemic. I also reported it to the Police and they advised me that I should make a report to CFPB. The below mentioned companies have not been able to provide me with either my Social Security number or my signature as proof that I have opened these accounts. Neither will I provide it to them as I no longer believe that it is safe to do so. 

Portfolio Recovery Associates, LLC : XXXX XXXX XXXX Portfolio Recovery Associates, LLC : XXXX XXXX XXXX  Portfolio Recovery Associates, LLC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Debt collection

Portfolio Recovery Associates is seeking to collect a debt which I had successfully disputed with credit agencies in the past as debt which was not mine. All credit agencies had removed this debt from my reports, and now Portfolio Recovery Associates is adding this item to all of my credit reports when it is not even my legitimate debt, which had previously been agreed upon. Please ask this predatory debt collector to remove this.
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 violate the Consumer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and protected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax for 6 months asking them to investigate and remove incorrect information from my credit report. They have ignored every letter I have sent. They violate the Fair Credit Reporting Act.
Product: Mortgage

We are in the final stages of a 30 year fixed rate conventional mortgage underwriting final approval with Bank of America ( BofA ) for a home purchase. At origination on Mon, XXXX XXXX, 2016, we were given the option of whether or not to escrow property taxes and homeowner 's insurance as part of the application process. When we asked mortgage loan officer XXXX XXXX XXXX ( NMLS ID : XXXX ), " Does it matter? '' XXXX XXXX replied, " No, it can be done either way and you can always change your mind later. '' When we shared that on the current BofA mortgage for the home we would sell only real estate taxes were escrowed, XXXX XXXX stated, " Ok, I 'll just go ahead and set it up now for XXXX and we can revisit it later. '' Today, obviously later, concurrent with requesting the " binder '' for submitting to XXXX BofA and our attorney, we decided we did not want to escrow homeowner 's insurance and as such informed XXXX XXXX via e-mail. He replied via e-mail, " Please be advised that your change in escrows will results in additional points to your loan. Please confirm you still would like to do that. '' To which I replied via e-mail that I had read and re-read all of the forms and disclosures and could n't find any reference to said increase and asked where it was written and how much the additional points were. XXXX XXXX then replied, " It is not written but it was change pricing by XXXX points '' ( please note the quotes are cut and pasted directly from XXXX XXXX 's e-mails and not edited by me ) In a subsequent exchange of several e-mails I requested that given that increase was nevere disclosed it should be waived and requested such, XXXX XXXX wrote via e-mail, " The XXXX points will not be waived and we will proceed with the loan as currently configured ''
Product: Credit reporting or other personal consumer reports

This debt collector engaged, unfair and deceptive practices of FDCPA which it prohibits. They furnished this account that we didn't agree upon and didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper Five step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made/initiated. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Listed items under Equifax, XXXX, XXXX Item A copy of the police report outlining the identity theft, listing the inaccurate accounts. section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter. And thank you ( ITEM 1 ) Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX