23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and unauthorized inquiries listed below that have appeared on my credit report as a result of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$820.00} XXXX. XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$230.00} Fraudulent Inquiries : XXXX. XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this message reaches you promptly. I am writing to express my continued concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to address this matter, the fraudulent items persist, causing significant distress and financial hardship.

Given the urgency of the situation, I urgently request the following actions be taken : Immediate and Thorough Review : Conduct an expedited and comprehensive review of the fraudulent activities associated with my account to facilitate the swift removal of all unauthorized items and transactions.

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to resolve this issue.

Preventive Measures Implementation : Implement additional preventive measures on my account immediately to mitigate the risk of future unauthorized access or activities.

Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced.

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services.

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My parents took out a loan when I was XXXX XXXX XXXX and attending XXXXXXXX XXXX XXXX XXXXXXXX. Because I didn't have enough money to pay for school and didn't fully qualify for XXXX even though my parents ' income was not high. I struggled to pay, and they were convinced by financial aid to take out a private through sallie mae at the time now navient. My parents ' credit was not great so my grandmother was my cosigner so I could finish college and graduate in XXXX which I did. After struggling through the recession and jobe market from XXXX where navient called XXXX times a day threatening me and at the time my XXXX XXXX XXXX grandmother about taken her house if i didnt pay. I was make less then XXXX dollars a week and had agreed to be in foreberance. I was never given deferement private loans and the coustomer service was horrible calling late at night or ealry morning. From XXXX, I spent time in school earning a masters to hopefully find a job that I could pay my provate loan off, I was denied forbearance as well as lowering payments. They would only offer me a program to pay the interest which only lasted 6 months and then they would increase my payments again and call to ask when are going to pay us and if you don't we will sue your or take your grandmother home. At this time in XXXX my grandmother was sick, and they still called her repeatedly after I asked them only to deal with me leave her be. I agreed to pay what i could which was about XXXX dollars or so monthly. Not until Navient was in the news recently did they change their stance of threatening calls and willing to lower payments in XXXXpresent but only for 6 months and interest only nothing was ever going towards my loan. I fully understand that this is my loan and now at XXXX I regret it every day. I have lost a family member to XXXX which I spent a lot of money on for XXXX XXXX XXXX XXXXs well as my mother is sick with XXXX as I have struggled to pay them as been threats of been sued and wages garnished. They call me 5 times a day saying they are willing to help but they only want me to pay in full. They send letters and then when I speak with them on phone, they claim that what was stated in the letter wasn't entirely true. Ive been told that they know I will never be able to pay this debt off and they know I will be stuck my payments for life, I know that I will probably be dead when I see myself free from a loan I never wanted. I know, I maybe a lost cause but I hope that others know what can happened when an institution lies to you to get you stay and your stuck with the bill. Navient has been the worst place I have dealt with for past 12 years because they were sued, they wanted to change the last three but that doesn't stop what they did and how they treated me for the first 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company XXXX is in violation This Credit bureaus stated my account was properly investigated but how is it that possible if the open date is inaccurate, the date last is inaccurate and the reported is no accurate. This is ground for removal they Als violated my rights under 15 USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 Section 604 A section 2 It also state a consumer reporting agency can not furnish. A account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired on XX/XX/18 and I noticed an unauthorized inquiry had been made. 

I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into XXXX  inquiry on my credit report to determine who authorized the inquiry.
Product: Prepaid card

An unauthorized transaction charge of {$500.00} was made on my card on XXXX at XXXX.
Product: Mortgage

My husband was laid off in XXXX, creating a financial hardship. I contacted Ditech when we realized it was going to take a while for him to get his old job back. Upon doing this Ditech told us that we could apply for loss mitigation. They assured us that we did not have to worry about making our house payment during loss mitigation because nothing would happen during this process they could not do anything about it, there would be no foreclosure taking place. They also told us that if the loss mitigation application was denied they would work with us on making repayment to Ditech. One representative quoted {$1500.00} a month and ask us if that was doable. Other representatives gave us conflict thing information on a regular basis. But overall we were told we did not need to worry about our mortgage payment repeatedly. Now Ditech is telling us that we have to pay them almost {$3000.00} in order to catch up our payments. They will not except just one month to start. Although they did except it once before but now they 're telling me they wo n't. So instead of being able to work with them to set up a repayment program as they repeatedly told us they would do, they are requiring all late fees and two months worth of payments in the next 13 days or foreclosure proceedings will start. They have lied XXXX 's repeatedly during this process, one representative after another with different information. Some agents told us that we would have the payments tacked onto the end of our loan, some representatives told us our interest-rate would be lowered, some representatives told us that our loan would be put out to a 40 year loan. Again repeatedly assuring us that we did not have to worry about making a mortgage payment that they would work with us if our loss mitigation package was denied to set up a repayment program. None of this turned out to be true.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

After reviewing my credit report and noticed that my credit report had old, outdated information. The specific item in question is a Mortgage entry in my credit file. On the report this entry is listed as closed by Bank of America. Including the following information, the date of last activity which was XX/XX/XXXX, date it was reported XX/XX/XXXX and the date when the account was closed which was XXXX of XXXX. 
Based on this information on my credit file and my understanding of the Fair Credit Reporting Act which states credit bureaus are to automatically delete old outdated negative items from credit reports, I asked XXXX  to remove the old outdated information from my file. On its website XXXX  states the following closed accounts stay on your credit report for up to ten years from the date of last activity. Since the last activity date on the item in my credit file was XX/XX/XXXX which is which is 11 years well beyond the time allowed by law to remain on file. I asked XXXX  to remove the old outdated information from my file however as of XX/XX/XXXX they refused to remove the information. XXXX  stated they contacted Bank of America and they stated the account listed on my file was still open and when I asked XXXX  stated BOA did not provide any additional information. 
At this time I questioned how BOA reported the account closed on XX/XX/XXXX but now BOA is now saying the account still open. I asked the XXXX  employee XXXX XXXX XXXX regarding the discrepancy on Bank of Americas reporting. I argued that the account on my file was already reported closed in XXXX which she herself confirmed after doing research on my file. I asked if they would do any additional investigation into this matter. I questioned the fact of how after reporting the account closed back in XXXX, BOA is now saying the account is still open and her response was sir it doesnt work that way. We dont do any additional investigation we just report the information we get back from them, I asked wether the info was right or wrong and her response was we dont verify anything we just report the information we get. 
This is outrageous. 
1. XXXX  has not been in compliance by failing to automatically delete old, obsolete, and outdated information from my credit file. 
2. XXXX  rubberstamps into consumers files incorrect information provided to them 3. BOA listed the information I wanted removed from my file as closed 8 years ago and the last activity took place in XXXX of XXXX. 
4. BOA reported to XXXX  the item in question on my credit file is not closed but rather is currently open. 
I respectfully ask that you investigate these issues and discrepancies both by XXXX  and Bank of America. I do not understand how after reporting the item in my credit as closed back in XXXX Bank of America can suddenly decide that the item in question is still open. Not only the BOA discrepancy but also XXXX non compliance with the FRCA by not automatically removing harmful information from credit file. This issues cause harm specially when I will apply for current and future credit transactions. 
Thank you,
Product: Credit card or prepaid card

When I opened my credit card account back in XXXX. I was promised XXXX miles. I only received XXXX miles. I just traveled to XXXX last month and I heard the flight attendants advertising the same promotion of XXXX miles for opening up the same credit card. So I took the same application I filled out in XXXX. I have it here in front of me. Sure enough in the fine print, it says I am to receive XXXX miles after a net purchase is made within the first 90 days of your card account open date. My husband and I both opened our own accounts and should have got XXXX miles total. Barclays just called him today and said they were giving him the extra XXXX miles they promised. See attached photos.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXAccount number XXXX, XXXX XXXX  Account number 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is continuing to report inaccurate information on my credit report. I have sent letters and complaints informing them that the account XXXX XXXX has the wrong payment information. Their only response was that they needed to verify my identity. I believe that this was a stall tactic, but I provided my proof of identity via mail and still nothing. The account was deferred during COVID and should not be reporting any late payments. Please understand that you are at fault for reporting incorrect information and according to many violations of the FCRA I can take this to small claims court. At this time, I am only asking for the late payments to be removed. There was never an investigation done on this account.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$140.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$910.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance Owed : {$910.00} XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I

may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Y
ou are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

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 DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

account XXXX XXXX XXXX XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

I AM NOT A CREDIT REPAIR COMPANY
Product: Debt collection

I had a credit card first from XXXX who sold it to XXXX XXXX. I disputed the charges and told them I did n't owe that much. The next thing I knew they went out of business and XXXX took it over. I disputed it to XXXX, then midland funding took it over I disputed it to them. I tried everything to get them to understand but it did n't matter how many times I talked to them they continually ignored what I tried to tell them. I asked for an account of all the purchases that were made from them all so I could see why they were charging me so much but was refused by all. midland funding promised to send it but instead filed a suit against me in court. This was after they promised to send me copies but never did. I sent certified and registered letters to them and was told they had 30 days to respond but, they never did. In XX/XX/XXXX I received papers from the court. I was told I needed to file an answer. I filed it and was told it would go to arbitration. They said I would here from the lawyer chosen within a couple weeks and that I would have a date for arbitration by XXXX XXXX. I did not hear from him until XXXX XXXX and he gave me 2 days to send him the money. ( {$500.00} ) During that wait time I received a couple more letters from midlands lawyer that I did not understand but had no more money for another lawyer and thought I would see them in arbitration. I then received notice that I had lost and there would be no arbitration shortly after I send the money. When I sent the money I told him the day he picked was fine and that I just needed a time so I could let my work no. I received a letter ( copy ) saying that I stated the date was not good for me which, was a lie. That was after not hearing from him in the time I was told I would. I believe he had already made up his mind before he sent me the letter to send him money. I never dreamed I would be denied arbitration. The lawyer that drew up the answer asked again for a list of purchases and told me if they did n't produce them then they could n't win. They did an end run on me to keep from producing them. I have been literally sick from all of this it is like talking to a wall with these guys. I t seems as all they see is dollar signs.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle 's handling of disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, both my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

My money was stolen off my card that I did not use and cash app denied my claims in one day after I tried verifying myself they denied my verification just so they wouldn't have to give me my funds back.
Product: Checking or savings account

The complaint is against JPMorgan Chase Bank I opened a tenant landlord escrow account on XX/XX/XXXX On XX/XX/XXXX Chase sent the funds to the unclaimed property state remittance and never notified me. Chase had been sending letters to the tenants to claim the deposit money, but she never did. She could have just claimed the money and took the security while she was still living there, which would have left me without a security deposit. How is this legal? How is the bank operating under these terms and landlords continue to put their money there? When I inquired I was told the letters were sent to the tenant because of inactivity. I, the escrow agent ( landlord ), never received notification and neither did I see anything on the my statements. The money now needs to be returned to the tenant because she has left the apartment. Chase put me in liability because I have the right to deduct the deposit for damages to my property or nonpayment of rent. After all these years with Chase I am terribly upset and concern about the financial damages and liabilities they have caused myself and the tenant. First, from accounts at other banks that I have spoke to they have not mentioned that money would be sent to unclaimed properties in that short of a time frame and the bank would notify me both online and through the mail. Chase did not. Under Illinois law ULC Uniform Act ( RUUPA ) under Treasurer XXXX there are changes in XX/XX/XXXX which my account was opened in XX/XX/XXXX. I did not received notification of the changes and the law required email contact. I have used online banking and have had an email on my profile. In addition, I visit different chase branches and no mentioned of that law or my accounts. I hope others will learn from my experience and will tell other landlords and realtors of what Chase is doing. When Chase sent the money they only left of XXXX of interest in the account. It was never officially closed until on XX/XX/XXXX and Chase allowed me to open it. Do you think that if landlords found out about this, they would keep their business with Chase?