23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/year> The financial institution, JPMorgan Chase Bank, N.A., improperly placed a restriction on the demand deposit checking account for the account owner, on XX/XX/year>, and wrongly prevented the account owner from being able to deposit funds in the form of cash into the checking account on XX/XX/year>, in order to cover six ( 6 ) automated clearing house ( ACH ) transaction items that were presented to the checking account for payment on XX/XX/year>. The financial institution, JPMorgan Chase Bank, N.A., wrongly returned the six ( 6 ) automated clearing house ( ACH ) transaction items that were presented for payment, on the following morning, XX/XX/year>, even though that adverse decision is inconsistent with the stated policy of the financial institution, JPMorgan Chase Bank, N.A., to allow time for funds to be deposited to a demand deposit checking account to cover an overdraft, and although the account owner was provided a verbal assurance by a representative of the financial institution, JPMorgan Chase Bank, N.A., to confirm that the six ( 6 ) automated clearing house ( ACH ) transaction items would not be returned prior to XX/XX/year>, during a conversation held via a telephone call to the relevant department at the financial institution, JPMorgan Chase Bank, N.A., on XX/XX/year>, and despite the fact that there were funds available in the account that were sufficient to cover two ( 2 ) of the automated clearing house ( ACH ) transaction items that were presented to the account on XX/XX/year>, and in spite of the fact that the account owner previously has submitted formal verbal complaints to the financial institution, JPMorgan Chase Bank, N.A., in connection with prior similar arbitrary decisions to return automated clearing house ( ACH ) transaction items that were presented to the checking account for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days and the creditor has not updated the information or provided proof or documentation, in regards to a late payment. They have not supplied this information and they must, by law they have 30 days to complete an investigation. By law they must remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not lived at these addresses which are on my credit report. This was reported last year in a report to correct my address. The proof was submitted and nothing was done about it. I have submitted my ID and passport. These addresses have never been on my other reports. I'm trying to get my errors corrected on my Experian credit report.
Product: Mortgage

I had lost my source of income approximately a year ago due to unforeseen circumstances. I made one last mortgage payment and started working XXXX jobs not too long after this happened. With the XXXX jobs combined my income was not enough to pay for the home and the regular bills. Approximately 2 to 3 months ago I was receiving income comparable to before. I started working with the bank to try and receive assistance but as time went on the amount owed kept growing and it came to a point to where they wanted me to pay three times the amount of my mortgage payment. Realistically it 's not possible because that will take away majority of my income for the month. I am currently trying to work with them again to help me out with some different options but the person who is assigned to my case for whatever reason is not ever available. Now they 're requesting for me to fill out another packet which will delay this process longer and will increase the amount that I owe instead of having me starting to make payments which I can afford. I explained that I could afford two times the amount of my regular mortgage payment and enough income to provide for my family.
Product: Credit reporting or other personal consumer reports

Upon reviewing my report, I discovered two hard inquiries that were not authorized by me. I would like to request the removal of these unauthorized inquiries from my credit report as they have the potential to negatively impact my creditworthiness. 

These unauthorized hard inquiries appear on my credit report as follows : [ XXXX XXXX XXXX XXXX XXXX Inquiry Date : [ XX/XX/XXXX ] [ XXXXXXXX XXXX XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] I have not initiated any business transactions or applied for credit with the mentioned companies or institutions on the respective dates mentioned. As a result, these inquiries are not only unauthorized but also inaccurate, and I am deeply concerned about their presence on my credit report.

In addition to the unauthorized hard inquiries, I would like to bring another matter to your attention. I have recently filed a report with the Federal Trade Commission ( FTC ) regarding potential identity theft, as I have been receiving mail pertaining to vehicles I do not own. This suggests that there may be fraudulent activity associated with my personal information, further underscoring the urgency of addressing the unauthorized inquiries on my credit report. 

I kindly request your prompt attention to this matter and the removal of the unauthorized hard inquiries from my credit report as soon as possible. I have attached a copy of my FTC report for your reference. 

Please inform me of the actions taken to rectify this situation and provide written confirmation once the unauthorized inquiries have been removed from my credit report. 

Thank you for your prompt assistance in resolving this issue. I look forward to a swift resolution and maintaining the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

.I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Product: Payday loan, title loan, or personal loan

I initiated an online PayDay Loan with Castle Pay dba Red Rock Lending in the summer of XX/XX/XXXX. I paid the loan off in XX/XX/XXXX and received a receipt from a New York legal company stating 'above listed account has been paid in full with no further legal obligation as of this date '. But this past XX/XX/XXXX another legal company stated a summons was about to be sent for me to pay off the account. I paid again and received another receipt stating no further legal action would be taken ( but then realized I had paid this account off in XX/XX/XXXX) I called Castle PayDay ( now doing business as Big Picture Loans ) and stated the issue and that I needed final documentation that I had paid my account off and that no further action would be taken. I was told by a supervisor that my account was closed, I requested an email and I have not been sent one as of yet. Basically you pay this company off and they keep coming after you threatening legal action. THIS IS WRONG!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX is not reporting my account to XXXX. This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed. 

JPMCB CARD SERVICES - XXXX is not reporting my account to XXXX XXXX This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed.
Product: Credit card

This is the first time we have not received our rewards check and have been a customer of Captial One for several years. Every time we would get a rep or " supervisor '' on the phone, NO ONE could answer why the check wasn't arriving. An email would arrive saying the check had been sent, then approximately 3 weeks later another email would say the check has been canceled. No one seems to be able to explain why the check is not being cut, sent or tracked.

If I missed a payment for this many months I would be charged an high interest rate.

How many other peoples rewards are being held captive with no interest?

My account is paid in full every month.

I do not want to apply this to an outstanding balance. I want my cash back!
Product: Credit reporting, credit repair services, or other personal consumer reports

There were letters sent off via mail on XXXX XXXX. I advise the credit bureaus to investigate every piece of information on the accounts Also. I have attached the certified tracking numbers. They stated my accounts were verified but how is that possible if they didnt do a proper investigation according to the law. Every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate.

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court complement jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

I, as usual, wanted to check my credit score back in XX/XX/2018 and discovered that I had a debt with XXXX XXXX XXXX of {$730.00} and that it was never paid. I never had any accounts or solicited the credit card, so when I called the XXXX XXXX XXXX Customer Service explaining that someone opened the account under my name but with an address from NY and it was a case of identity theft. What they did was give me the address to send all the request docs as proof. 1 week later I sent all the docs via fax and mail. What they did was updating my information and started sending letters asking to collect the debt. I never received a call from their fraud department investigating the fraud. I decided to call them at the end of XX/XX/2018 and they told me that they no longer had access to the debt and that my account had been transferred to a debt collector agency - Resurgent.

Resurgent Collection Agency contacted me by XX/XX/XXXX of last year and they were very responsive about getting paid but never with the intention of giving me the necessary information to solve the problem.Two months later, after going thru the process of disputing the debt they came to the conclusion that it was a case of identity theft. They were supposed to foward all the information to XXXX XXXX XXXX. A few days later I receive a letter saying that they couldn't process any of the claim because it was no longer serviced by them and it ws in the process of being transfered.

I get back on the phone with XXXX XXXX XXXX and they can't do anything on the account because now it was now XXXX XXXX XXXX who had access to my account. I already sent the documents and they have sent more than 15 letters trying to collect the debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$0.00} XXXXI XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$260.00} XXXX & XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$5800.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive discovered inaccuracies on my report that are unfairly affecting my scores and costing me valuable opportunities. Its incredibly frustrating to deal with the consequences of mistakes that arent mine.
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the provided information with Equifax and XXXX ; regrettably, the matter remains unresolved to date. 

The unauthorized inquiries are as follows : XXXX. The inquiry was not authorized XXXX  # XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Upon direction of XXXX XXXX XXXX, XXXX, XXXX Bank, XXXX XXXX, has been illegally attempting to collect a mortgage debt for the past 2.5 years and has engaged in multiple instances of fraudulent misrepresentation to both me, the state and appellate courts of Ohio, and to the United States Sixth Circuit Federal Court. Specifically, the Bank, by and through its attorneys, alleged that it is the new trustee in the case by virtue of being the successor in interest to Bank of America. As a result of those false statements, the bank then stated to the courts that it was the 'real party in interest ' in my case. In addition, XXXX Bank itself wrote me a letter ( attached ) in XX/XX/XXXX stating that it was the 'trustee ' for the 'trust ' that owns my note and mortgage. None of the statements above, both made in court and made to me, were true at the time they were made, and they are still not true today. The evidence of their falsity is readily apparent by means of a fraudulent 'Corporate Assignment of Mortgage ' that was filed by XXXX XXXX XXXX , XXXX , the servicing agent on the account. The assignment, which was prepared on XX/XX/XXXX, contains a number of contradictions that prove that the statements made prior to that date were false. In addition, further statements that were made after XX/XX/XXXX are also false since they assignment failed to transfer any 'interests ' to XXXX Bank as they alleged in court documents. XXXX Bank, in addition to committing fraud upon the Courts, is in direct violation of the Consent Decree it signed with the OCC in XXXX, XXXX. Article IV ( 1 ) ( e ) of the Compliance Program, signed by the bank on XX/XX/XXXX, requires the bank to establish and maintain : ( e ) processes to ensure that the Bank has properly documented ownership of the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the action ( as a result of agency or other similar status ) at all stages of foreclosure and bankruptcy litigation, including appropriate transfer and delivery of endorsed notes and assigned mortgages or deeds of trust at the formation of a residential mortgage- backed security, and lawful and verifiable endorsement and successive assignment of the note and mortgage or deed of trust to reflect all changes of ownership ; ( emphasis added ) All of the above requirements imposed by the OCC detailed above have been violated. As of XX/XX/XXXX, XXXX Bank has filed a new praecipe of sale as part of its ongoing fraudulent scheme to literally steal my home under false pretenses. I filed in state court on XX/XX/XXXX the attached new motion to vacate the summary judgment due to fraud on the court and 'any other reasons justifying relief ', but it was incorrectly denied on XX/XX/XXXX due to 'res judicata ' .
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not deleted two revolving accounts - 1 from XXXX and 1 from  XXXX XXXX - that are both closed and last activity was past 7 years. 

XXXX - Date Closed XX/XX/XXXX - Date of Last Payment XX/XX/XXXX XXXX  XXXX - Date Closed XX/XX/XXXX - Date of Last Payment XX/XX/XXXX Equifax also has inaccurate credit inquiries on my credit report that need to be removed. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

I have had a home loan mortgage with OCWEN, I TOOK OUT THE EQUITY OF MY HOUSE 12 PLUS YEARS AGO, TOTAL REPAYMENT WAS {$78000.00} AS OF TODAY I AM IN DEBT TO THEM {$74000.00} I HAVE BEEN PAYING {$530.00} FOR OVER 12 YEARS, I HAVE ASKED FOR A MODIFICATION, TOP BE TOLD TO HOLD ON, THEN THE PAPERS WHERE IN THE MAIL, THE PAERS NEVER CAME. I HAVE ASKED FOR HELP, IN TEN YEARS I HAVE PAID OVER {$58000.00} BUT MY LOAN BALANCE HAS STAYED IN THE {$74000.00} AMOUNT IT HAS NOT DECREASED, AT ALL, THIS IS TERRIBLE, I FEEL LIKE I AM GETTING NO WHERE, ALSO THEY ARE NOT REPORTING TO THE CREDIT BUREAUS AT, ON MY CREDIT REPORT. I FEEL THEY ARE PREDATORY LENDERS. THEY WILL NOT GIVE ME AN UPDATED AMOUNT OWED. IF I HAVE PAID ON THIS LOAN FOR OVER 12YRS, WHY DO I STILL OWE {$70000.00}. WHY DO THEY THREATEN ME WITH FORECLOSURE. 
MY INCOME IS {$620.00} A MONTH, AND MY HOUSE MORTGAGE PAYMENT IS {$530.00}. I AM ASKING TO MODIFY PAYMENTS, BASED OFF OF MY INCOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Agencies have not complied with my requests as well as the Fair Credit Reporting Act and continued reporting the disputed accounts and information as verified without sending me copies of proof of verification. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the Fair Credit Reporting act section 605b, the Credit bureaus are required to remove any accounts and information that resulted due to identity theft. The Credit Bureaus have failed to comply with the two Federal Regulations and is punishable by law. If the Credit Bureaus have claimed that the disputed items belong to me, they should have sent me copies of proof of verification and informed me of their findings, and yet the Credit Bureaus have not done so. I am submitting this CFPB Complaint to request to the Credit Reporting Agencies to please remove the disputed fraudulent accounts and information as soon as possible. Here is the list of accounts and information that were opened due to identity theft : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$920.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX NC ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$75.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite trusting Zelle, my financial institution and Zelle failed to investigate claims adequately. They informed that recovering lost funds was impossible and that racking these transactions was unfeasible. The CFPB 's 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 unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

fraud charges due to breach - won a class action suit wont remove off credit report
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported XXXX  DATE OF INQUIRY XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX. XXXX XXXX account # XXXX. 
XXXX account # XXXX. XXXX account # XXXX. 
XXXX account # XXXX. has violated my rights. 
15 usc 1681 section 602a stats i have right to privacy 15 usc 1681 section 604a section 2 stats consumer reporting agency can not furnish accounts without my written instructions.