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

XXXX XXXX XXXX Amount {$39000.00} Validate account/ Different dates of last activity XXXX  XXXX  Amount {$29000.00} Validate account/ Different dates of last activity XXXX XXXX XXXXXXXX Amount {$38000.00} Validate account/ Different dates of last activity XXXX  XXXX XXXX  XXXX XXXX Amount {$600.00} Validate account/Different dates of last activity XXXX  XXXX XXXX  XXXX XXXX Amount {$850.00} Validate account/Different dates of last activity XXXX XXXX XXXX XXXX Amount {$15000.00} Validate account/Different dates of last activity XXXX XXXX XXXX XXXX Amount {$15000.00} Validate account/Different dates of last activity XXXX Amount {$1100.00} Validate account/Different dates of last activity XXXX XXXX XXXX  Amount {$9200.00} Validate account/Different dates of last activity XXXX XXXX XXXX Amount {$570.00} Validate account
Product: Credit card or prepaid card

I received my XXXX statement dated XX/XX/XXXX when in actuality I received this in the mail on XX/XX/XXXX. My bill was due on XX/XX/XXXX. I noticed I had a charge for the annual fee and saw that my credit limit had dropped from {$7200.00} to {$4300.00}. I do not understand how that was possible, given I pay all my credit cards on time. I never received a letter in the mail indicating the why. I called the number on my statement and every single customer representative told me to contact XXXX since Banco Popular does not handle that. They continuously transferred me to the XXXX XXXX. Which then the airline transferred me back to the Banco Popular staff. After about 1 hour and 30 minutes later, and the 9th person I was transferred too, I asked to speak to a manager at Banco Popular. The representative on the phone who I was talking to clearly decided to say she couldnt here me at all and ultimately dropped my call. I tried to call back and waited 20 minutes on hold with another number that was given to me ; I was given 9 different numbers from all the representatives that I spoke to, I spoke with someone and said I needed to speak to a manager since Ive been on the phone on hold for now almost 2 hours with no resolution and she blatantly told me well I aint those reps, Im someone else. So imma try to help ya out but you dont wan na help me. And then I was disconnected. I was never rude or defiant or disrespectful. I just clearly asked to speak to a manager to find out why my credit limit decreased with zero notification. I logged into my account and there is no letter history indicating that a letter was sent to me. If I knew this customer service was going to be like this, I wouldve never applied for this card. I also do not agree that this CC company holds payment updates for over 15 days. They take your money as soon as you pay, however, they refuse to update the account and report that you have a carryover balance. This is wrong, especially for individuals who are working on their credit. I regret getting this card.
Product: Prepaid card

I have an American Express gift card for {$100.00} that I cant use anywhere. It gets declined online and rejected in stores. Ive had it for XXXX years and still cant figure out how/where to use it. Attempts to reach out to AmEx were unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I really need help my personal information was compromised as a result of that my Identity was used to apply for some kind of credit. I have multiple Inquiries on my credit report that are fraudulent. This not not my doing at all as a matter of fact the dates are like back to back applying for credit. Thank you for helping me resolve this matter. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 - XXXX  XXXX  XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, 2021 - XXXX  XXXX  - XXXX. XXXX, 2021 - XXXX  XXXX. 

XXXX XXXX, 2021 - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Vehicle loan or lease

I called flagship credit. To inform them about the loan that was fraudulently opened using my personal information, without my permission. I provided them with my social security number ; Date of birth and more. They was not able to locate the account. Therefore, I asked them, well why are they reporting this to my account if they have no records of it? And for them to remove and stop reporting this to my credit report immediately under the fair credit reporting act.
Product: Credit card or prepaid card

My, sister bought a visa gift card for me in the amount of {$500.00}, when i received the card on XX/XX/XXXX the card was torn and could not be swiped, i called the gift card mall at XXXX, they immediately cancelled the old card and told me i would receive a replacement card in 7-10 days, it did not come, i called them back on the XXXX of XXXX, i was they did not know what happened and they would issue another card wait 7-10 days again no card, i called again on XX/XX/XXXX this time i was told they woul send me an expidited card i should receive it in 3-5 days, today is XX/XX/XXXX i still have not received the card and they claim they dont know what happened they said it was sent thru USPS so i checked with usps they said the card was not in their system at all it was never there, gift card mall also told me that the {$500.00} was still on the card they could check that but they dont know why i have not received the replacement card
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are in the process of buying a home. We do not have access to our credit scores ( yes, our credit reports, but not the scores, which are the only things that matter ). That should not be allowed. The bank shouldn't be able to hold my credit score against me and then nobody in the world can tell me how to increase my score. The American people never gave their consent, nor did the American government ever pass a law that allowed the credit reporting bureaus to have unfettered control over Americans ' financial lives. 

My specific problem is that the free annual credit report online constantly crashes. When this occurs, the taxpayer is no longer allowed to access a free annual credit report because the website shows they've already accessed the report. One then goes to each bureau 's website to specifically dispute incorrect information. 

In my case, two our of three websites did not work. XXXX XXXX website crashed in XXXX XXXX, so I had to go to XXXX and re-submit all the information for about 12 disputed items. When I finally submitted the dispute request, I received a message that I'd disputed an item that was no longer on my credit report. How can that be? I was disputing items that showed from my credit report IN THEIR SYSTEM! 

In the case of equifax, I logged in and confirmed my identity. I then disputed the same 12 or so items that were incorrectly reported on XXXX XXXX report. The Equifax system then crashed when I clicked submit. It has now been down for several hours. 

I have spent 4 hours trying to dispute patently false information on my credit report after working a 14 hour day at a XXXX XXXX during busy season. 

The fact that American citizens are forced to negotiate / navigate the largest personal financial decisions of their lives, whether that be the purchase of a car or a home, without full disclosure of all the information used against them is UNCONSCIONABLE! The CFPB should make credit reporting transparency and the reform of the credit reporting system their number 1 priority! No issue in the modern American landscape of personal finance has a bigger impact on the average American, and there is no other factor relative to people 's financial lives over which they have LESS understanding or control. In summary, CFPB should PROTECT AMERICANS as they approach the largest and most important financial transactions of their lives.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have submitted numerous CFPB complaints about JP Morgans failure to service my checking account. Yet the account continues to be plagued with problems with no one to correct them. Following is further documentation of the same. 

For many years, JP Morgan has diminished the availability and ease of use of paper records. It will not provide copies of written checks and the so-called copies it provides, sometimes, online usually are illegible on the front or back of the copied check. 

Now JP Morgan has eliminated the ability of an account holder even to search for check images online. There is no search field for " checks '' alone, creating further burdens on its customers, degrading basic services and providing paper records rather than the ephemera of its wholly owned online banking. Forcing me to get check copies online increases my exposure to cyber security risks and risks of identity theft. It is probably pressuring regulators to allow it to completely eliminate paper records on accounts. 

I am unfairly, deceptively, abusively, and repeatedly denied advertised functions on the account XXXX most recently, wire transfers, external transfers, XXXX transfers, and having had a check not credited until over a week or more after it was deposited ; being unable to easily locate check images through online banking ) on this checking account. 

The CFPB needs to force JP Morgan to provide one specific individual at one specific location who can be reached with reasonable effort and within a reasonable time frame who can solve this account 's many dysfunctionalities. It should also sanction JP Morgan effectively for failing to provide widely advertised services for years on this account. Whatever it may have done to date, does nothing to little to correct problems on this account. 

The CFPB should compare the multitude of problems I and the other holder of the account have reported across years and compare our treatment to those of other JP Morgan account holders. If most other JP Morgan account holders are treated as badly, that is one problem ; if most are not treated as badly, JP Morgans behavior should be investigated for the retaliatory practices it probably is.
Product: Mortgage

XX/XX/XXXXwe began the loan process with JP Morgan Chase to refinance our existing mortgage for our Condo in order to take advantage of the equity in our home for debt consolidation and home improvement. The estimated property value of our home is XXXX and the balance on our current Chase mortgage is XXXX, the refinance amount requested was XXXX. We have lived at the same address for 30 years and both my spouse and I have worked for the same employers for more than 10-years and 27-years respectively ; each of our individual credit scores are in the " excellent '' range, with all debt payments made timely. Our condo is part of a XXXX unit homeowner association which was built in XX/XX/XXXX and converted to condominiums in XX/XX/XXXX and was designated a National Historic Landmark in XX/XX/XXXX. Today we were told that our loan was DECLINED because 2 HOA projects were not scheduled to be completed before the inception of our loan, the two projects noted were both long-term maintenance projects that are documented in the board-approved annual budget. We are very upset and do not understand why this is a factor in our ability to repay a standard 30-year loan for an amount that is roughly one-third of the value of our home. During this entire loan process we feel that we have been overly burdened from Chase to explain and justify inexplicable factors and are wondering if there is an underlying discrimination that is driving them to ultimately decline this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i purchased XXXX worth of groceries on my XXXX XXXX XXXX. The very next day i paid in full and the payment showed up on XX/XX/XXXX, I always pay my bill on time. I wasnt even given a grace period for this transaction. Transunion reduced my FICO score XXXX XXXX  because of it. The consumer these days cant win with this company. If you're late they reduce your score and if you pay immediately they reduce your score. There needs to be some fines introduced to stop this time of behavior from these credit bureaus. I find it ironic but on the day Transunion reduced my score, XXXX increased my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I tried to cancel my monthly payment after I had already made a {$2900.00} payment, simply to prevent my bank account being overdrawn. Citi bank charged me a {$29.00} return fee and refused to waive this fee. I spoke with an agent by the name of XXXX, who claimed he cant waive the fee which is not accurate. All I wanted to do is fair credit and not have to pay more than what I used. These big banks are constantly screwing customers and federal government is allowing it. When is enough an enough until when will federal government allow big banks charge outrageous fees and interest rates. I want a hefty penalties imposed on these big banks. This is a monopoly and we the consumer is getting screwed. Is CFPB gon na do something
Product: Vehicle loan or lease

Was given a loan with a 22 % interest rate with made the loan more than the car was worth and impossible getting paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  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

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2 , please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don & XXXX XXXX ; t understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

I have been unable to get a credit report from experian. I believe there are wrong information and would like to review all of my credit scores. I have n't had a credit card in a long time and need to find out what is on the credit reports they say I am entitled to a free report but ca n't seem to get in contact by phone or online.
Product: Money transfer, virtual currency, or money service

I received a call from Chase Bank. It came from a Chase phone number. The person said an account was opened in my name and two XXXX payments were made. I was told to go online to my account and start two XXXX transfers one for {$1000.00} and another for {$990.00}. I was given a code that was going to correct the problem. When I did it the money was charged to my Chase checking account. At that point I knew it was a scam. I called Chase immediately. The person said they couldn't help and to call XXXX. I called the number I was given for XXXX and it was an endless loop of recordings with no way of speaking to someone. I called Chase again and spoke to the fraud department. They said that they don't own XXXX ( I found out later that they are one of the partners in XXXX ). The person said she couldn't help and hung up on me. I called again and the person filed a " courtesy complaint '' and said that I should not expect any rsolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it XXXX  XXXX XXXX XXXX, XXXX 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

Portfolio Recovery trying to collect {$4900.00}. I never heard of the company, never did business with the company
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Information and Identity Theft Impact Across Credit Reporting Agencies Dear CFPB, I am writing to request your assistance in resolving an ongoing issue with inaccurate information on my credit reports from Experian, XXXX, and XXXX. Despite numerous attempts to have this incorrect information corrected, the credit reporting agencies have failed to address the problem, leaving me with a compromised credit profile and exacerbating the consequences of identity theft. 

The following personal information in is the only accurate and valid data for my credit report : All other personal details listed on my credit reportssuch as incorrect names, addresses, or phone numbersare outdated, false, or fraudulent. I have been a victim of identity theft, and these inaccuracies have contributed to further issues with my creditworthiness. I have already filed an identity theft report with the Federal Trade Commission and my local law enforcement, as required by 15 U.S.C. 1681g ( e ) of the Fair Credit Reporting Act ( FCRA ). 

I have previously requested that Experian, XXXX, and XXXX delete this incorrect information from my credit reports as mandated under 15 U.S.C. 1681i and 15 U.S.C. 1681c-2 of the FCRA, as well as Texas Business & Commerce Code 20.03 . However, these agencies have not complied with the law. Under Texas Identity Theft Enforcement and Protection Act ( Texas Business & Commerce Code 521.051 ), I am further entitled to the removal of any data linked to identity theft, yet these rights have also been ignored.

I am now seeking the CFPB 's assistance to investigate and enforce these corrections, as the reporting agencies have failed to comply with federal and state laws. This ongoing negligence is damaging my financial standing and causing further complications due to the unresolved identity theft issues.

Please help ensure that these credit reporting agencies are held accountable for their legal obligations to maintain accurate records and promptly delete false or outdated information.

I appreciate your immediate attention to this matter and look forward to your assistance in achieving a swift resolution.