23daVinci/CFPB_Complaints huggingface dataset:
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 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these unauthorized inquiries to be authenticated ( A ). I will take legal action against you if you do not delet these inquiries. Please follow the law so that this situation can be settled quickly. 

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

-- This complaint is made by the consumer and NOT by a third party. 
-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER REPORT - ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization XXXX be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They do not have my permission to report on my consumer credit report. 
-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. [ 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) - Civil liability for willful noncompliance ] -- letters have been sent certified mail and return receipts have been received by me.

[ 15 U.S. Code 1681c ( a ) ( b ) ( 5 ) - Requirements relating to information contained in consumer reports ] [ 15 U.S. Code 1681s2 - ( a ) ( 1 ) ( A ) ] [ 15 U.S. Code 1681 ( a ) ( 4 ) ] -- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXXXXXX 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. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XXXX XX/XX/XXXX
Product: Mortgage

I was very XXXX  in XXXX of this year ( XXXX ) as a result I did not notice right away that my mortgage payment which was setup on auto pay, was returned for non sufficient funds. When I noticed the issue I corrected it. I even spoke with the representative about the reason and made sure my XXXX pay was still in effect. On XX/XX/XXXX my auto pay was processed as normal. I was looking at my account last week ( XX/XX/XXXX ) and noticed that the XX/XX/XXXX XXXX XXXX did not come out of my account. I attempted to make the payment manually online and received a message that I was ineligible to make a payment. It took several tries to get through to customer service where I was told that because of the XXXX  charges I was no longer eligible to make any kind of electronic payment or wire transfer the funds. My only options are to pay by certified check by mail or XXXX XXXX. When I asked what the procedures was to appeal this decision I was told there is no way to appeal. I asked where in my mortgage terms and conditions or disclosures this process was documented and no one could tell me. I was not told at the time of the XXXX  that this would occur and as the next XXXX came out properly for the next payment I assumed that the issued was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  account # XXXX & XXXX, XXXX account XXXX XXXX, XXXX account # XXXX, XXXX & XXXXXXXX XXXX XXXX  account # 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: Checking or savings account

I am writing to file a formal complaint against Chase Bank regarding a series of unresolved fraudulent ATM withdrawals and subsequent claim denials. I have been a loyal Chase customer since XXXX, since I was XXXX XXXX XXXX and have never previously filed a claim. However, recent experiences have left me deeply frustrated and concerned about the handling of my account. 

On XX/XX/XXXX, my account was compromised with two unauthorized ATM withdrawals, each for {$500.00}, totaling {$1000.00}. I received a fraud alert text from Chase, responded immediately to indicate that these transactions were not made by me, and requested a replacement card on the same day. Despite my immediate response, no replacement card was issued, and no claim was opened by Chase. 

On XX/XX/XXXX, I took the initiative to manually open a claim ( Claim Number : # XXXX ). This claim was subsequently rejected on the grounds that the ATM location was too close to my residence, proving that the transactions were made by me. I faxed over my text response to the fraud alert and my request to close the card, but received no follow-up. When I reached out to the claim department again, I was advised to fax the documents again and wait, but no action was taken by Chase. 

Frustrated by the lack of resolution, I reopened the claim for the same transactions on XX/XX/XXXX ( Claim Number : # XXXX ). Despite uploading proof on XXXX website multiple times, the claim was rejected once more. Chases investigation team claimed that since the transactions required a PIN, it must have been me. They did not address my concerns about how I have the knowledge that someone else could have accessed my PIN or check the ATMs surveillance footage like I repeatedly requested. 

The situation deteriorated further when, on XX/XX/XXXX, I received another fraud alert regarding an {$800.00} withdrawal with my new debit card on the following day on XX/XX/XXXX. I immediately responded " No, '' and went on to lock all my cards, and requested a new card. This withdrawal occurred at the same ATM location as the previous incidents and was made at XXXX PM on XX/XX/XXXX while I was at work with multiple witnesses and company surveillance. 

I initiated a new claim for this XX/XX/XXXX transaction ( Claim Number : # XXXX ). Chase informed me that the withdrawal occurred at the same ATM as before and that the fraud alert was sent after the money had already been withdrawn. I was told that no further action could be taken and that it was entirely up to the claims department, despite my repeated requests for review of the surveillance footage and further assistance. 

I am deeply dissatisfied with Chase Bank 's handling of these issues and their lack of support despite my long-standing relationship with them.
Product: Debt collection

i had 2 captiol one accounts, there was a lot of confusion about which account they were attempting to collect on. I was paying my card and even received XXXX for my second card. I attempted to resolve but this was pushed to collections before i could resolve it
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 6802, I did not receive the required opt-out notice at the time I created the account that is being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023 the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. This account has been deleted 3 times and re-inserted 3 times. Delete the items immediately or I will be forced to take legal action. 

Account/ XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. I believe that these inaccuracies are adversely affecting my creditworthiness, and despite persistent efforts on my part, the resolution of this matter remains elusive. 
I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these submissions have not resulted in the desired corrections, and the fraudulent information persists on my credit report. 

The existence of these fraudulent items has had a severe impact on my ability to access credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department on multiple occasions, yet the promised resolution has not materialized. 

I understand the importance of accurate credit reporting in maintaining the integrity of the financial system, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Furthermore, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XXXX XXXXXXXX XXXX They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. Its been over XXXXdays so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Debt collection

XXXX Capital Management contacted me on XXXX. They threatened legal action ( XXXX XXXX ) and when I offered a settlement, once they send verification of debt, they told me I was insane. I asked them to stop communication with me, and that I would deal with XXXX, the supposed creditor. On XXXX XXXX, I received a letter from XXXX again demanding payment, this time stating that I had made payment arrangements with them, which i did not. When I called to tell them I had done no such thing, and neither they nor XXXX had provided debt verification, the person stated that he would end the conversation, and ended the call.
Product: Credit card or prepaid card

The Visa Vanilla card was purchased on XXXX XXXX. I called the Visa Vanilla phone number later that day to confirm the balance on the debit card. There was no balance on the card. Next day I returned to the XXXX 's store where the card was purchased. The person at the counter said we must contact the company directly to resolve the problem. I called the number on the back of the card. The individual said I must wait 24 to 36 hours before the balance will appear. I did that. There was a XXXX balance when checked. I called Visa again. I was told that I would have to file a claim. I was given an email address to send copies of the documents and given a case number. I emailed copies of the proof of purchase and my identification within 24 hours. I heard nothing for several weeks. I called again. No progress on my issue. I waited for a considerable time and called again. After repeated calls spanning several months I got someone who said there was a form I needed to fill out. They said they would email the form. Eventually after calling again I did finally receive the form in XXXX ( see attached email ). I returned the form back to the company as soon as possible ( see attached and dated pdf ). I received an email saying they received the form. After some time passed I called and was told it would take 45 to 90 more days before I should expect a reply. Finally, I received a letter from them. The letter said that there would be no compensation because I had not completed the form and submitted the documentation within their time frame. 
I submitted a protest letter via email explaining that I submitted the documents that were asked for and submitted their form once I had a copy in my possession. I received a rejection email.
Product: Credit card or prepaid card

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. These have been rough times during the covid 19 phase
Product: Mortgage

My husband and I are in the process of refinancing a home loan with US Bank. I first become suspicious of their practices because of the length of time it is taking to approve. All paperwork is in and our credit is excellent so I wondered why they seem to be 'finding things ' to postpone the approval. I even wondered if I am part of a scam. The loan processor is saying that because we have a living trust there is a delay and because we have a sign ( by the road ) with the home addresses on it, the underwriters are concerned. We have refinanced before on our home and these were never issues, in fact they add to fire safety and personal security. We have contacted the processor numerous times and they do not seem to have a viable reason. Is this company going under? Are we part of a larger scam by US Bank? 
Even scarier, I called an XXXX US Bank number to inquire about our application. I gave the US Bank employee our loan application number, our address, name and last 4 SSN. He couldn't even find record of the application. He had 9 pages on his computer screen of loans in process in XXXX California and couldn't find ours. This seemed very strange since we have been at this for about 40 days.
Product: Debt collection

Ive contacted XXXX today because I seen a fraudulent report I told them I had a false information on my credit I spoke with XXXX she she couldnt help Ive asked for a XXXX he set me to the fraud department where the lady was more disrespectful then XXXX. The lady in the fraud department pulled up the account and said it was not fraud almost immediately then said because its a typo it not fraud and also said because the bill was paid it was not fraud. I kept telling her it was fraud Ive also asked the contract but she claims she didnt have access to that. I asked if she could transfer me she continued to arguing with me on how shes been doing her job then she asked if she could transfer me to financial who could while still arguing her opinion on how its not. I talked to financial and they couldnt find my account nor did they have the access to send me a contract. So she sent me to billing where XXXX couldnt find the account at all. the only person who supposedly could send me the contract couldnt find the account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1995 Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : [ XXXX XXXX XXXX XXXX ], [ XXXX ]. 
I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, it appears that account : Chase Account # on my credit report has been charged off, but I noticed that you have not sent me 1099C. I requested a my copy of the 1099C for cancellation of debt for this item due to my financial hardship. Ive gone through a serious hardship and this will help me with my credit in the future. 
In additiona, upon careful review, I noticed several strange items on my credit report that include, but are not limited to, the last date of payment, the account number, the account balance, dates restarted and other unfamiliar items on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVIENT is reporting incorrect information on my credit report. I went to school on a full-ride scholarship and someone obtained financial aid in my name. This issue is pending SUPREME court. NAVIENT is very well aware of this situation and you need to stop them from reporting fraudulent information on my credit profile. Under The Fair Credit Reporting Act ( FCRA ) there are procedures for correcting fraudulent information on your credit report and requires that your report be made available only for certain legitimate business needs. 

Under the FCRA, both the consumer reporting company and the information provider ( the business that sent the information to the consumer reporting company ), such as a bank or credit card company, are responsible for correcting fraudulent information in your report. To protect your rights under the law, contact both the consumer reporting company and the information provider. 

PLEASE STOP REPORTING
Product: Mortgage

I AM A XXXX XXXXXXXX XXXX VETERAN AND PERSON, BOTH, THAT CAN NO LONGER AFFORD MY CONDO. I can not afford the condo fees, and insurance that have gone up XXXX $ in one year alone!! I am sXXXX XXXXXXXX and on a fixed LOW income, I DO NOT WORK, and this condo would consume WELL over 60 % of my income due to the drastic increases in florida. US BANK also arbitrarily and without warning or notice, went out AND applied XXXX $ in flood insurance to my mortgage payment without notification or reason!! I CAN NO LONGER AFFORD THE CONDO FEES, INSURANCE AND MORTGAGE WHICH HAVE GONE UP OVER XXXX $ IN ONE YEAR! This is a VA backed mortgage and US bank REFUSED TO HELP A XXXX PERSON AND VETERAN OUT, STATING YOU CAN MISS XXXX PAYMENT, WE WILL TACK ON XXXX $ MORE TO YOUR MORTGAGE PAYMENTS, AND REPORT YOU DELINQUENT FOR 6 MONTHS! us BANK REFUSED TO HELP IN ANY MATTER, EVEN THOUGH I SUBMITTED THE PAPERWORK FOR A DEED-IN LIEU OF FORECLOSURE AND OR A SHORT SALE TO US BANK XXXX I WILL BE HOMELESS AFTER THE CONDO IS GONE BECAUSE THE WAY THE us BANK REPORTS TO THE CREDIT BUREAUS. US BANK HAS CAUSED ME SO MUCH PAIN SUFFERING AND EMOTIONAL DISTRESS THAT I AM XXXX XXXX XXXX! I HAVE REPORTED US BANK TO MY TWO FLORIDA US SENATORS, THE STATE OF FLORIDA ATTORNEY GENERALS OFFICE, THE FLORIDA GOVERNORS OFFICE, AND THE CFPB AND FDIC AND THE DEPARTMENT OF VETERANS AFFAIRS!
Product: Checking or savings account

J.P. Morgan Chase cashed a fraudulently endorsed check and deducted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not able to access my Credit file or consumer report and I believe, I have been a victim of identity theft.