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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX  XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX balanced {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX  XXXX XXXX balanced {$170.00} XXXX  XXXX  XXXX balanced {$610.00} XXXX/XXXX  XXXX balanced {$620.00} XXXX XXXX XXXX balanced {$240.00} XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired XXXX XX/XX/XXXXXXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Complaint Against Chase Bank Regarding Unjust Account Freezing and Unexpected Contract Terminations Dear Sir/Madam, I am writing to express my profound concern and disappointment regarding a series of issues I am facing with Chase Bank , which include the unjust freezing of my business account, unexpected termination of my business line of credit, my Chase business credit card and my Amazon Chase credit card, as well as a subsequent lawsuit filed against me by the institution. 

I have been a loyal and responsible customer of Chase Bank since XXXX, maintaining my accounts diligently, making payments on time, and remaining within the agreed credit limits. However, in XX/XX/XXXX, Chase Bank froze my business account for three weeks without any clear explanation or prior notice. This action caused a significant setback in my business operations, resulting in the loss of multiple long-term and qualified employees due to the inability to access my funds. 

Furthermore, the freezing of my account led to the disruption of established payments from major insurance carriers, including XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX, among others. Chase Bank returned these payments back to the insurance companies, which led to my removal from their provider panel. The considerable costs associated with these payments have not been recoverable to this day. 

In addition to this, in XX/XX/XXXX, I was contacted by a Chase representative who offered a three-month payment postponement for my business line of credit. I accepted this offer in good faith, only to find my accounts terminated and a lawsuit filed against me two months later, demanding immediate repayment of the entire credit line amounting to nearly {$90000.00}. 

I find these abrupt terminations, the unjust freezing of my account, and the immediate demand for full repayment to be exceedingly punitive, especially considering the agreement for payment postponement offered and accepted in XX/XX/XXXX. 

I kindly request your assistance in this matter. I am seeking the immediate reinstatement of all my accounts, the termination of the lawsuit, and a resolution to the issue of the returned payments from major insurance carriers. I am more than willing to continue with my regular payments, as I have always done, but the demand for immediate full repayment is beyond my capacity. 

Thank you for your prompt attention to this matter. I look forward to your response and assistance in resolving these pressing issues. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1984 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 4-day 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

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card

I recieved a credit card from MILESTONE credit card company. with a credit line for {$700.00}. I did not purchase anything on this card. But recieved a bill for {$170.00} membership fee + a charge for {$39.00}. I just recieved the cedit card statment from MILESTONE today. I called their customer service dept. told the I did not concent to anything like that. I would never have a credit card where I would have to pay a membership fee or annual fee ever. so I told the customer service person I wanted to speak with someone in their fraud division. and cancel my account. after I told them I wanted to do this she hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} ; XXXXXXXX  XXXX Balance : - ; XXXX XXXX  XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX  XXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX auto leases with XXXX XXXX. I received a collection notice on or about XX/XX/XXXX from XXXX XXXX XXXX for collection on an account that I was told by XXXX XXXX closed in XXXX after I leased a new vehicle from XXXX XXXX ( which was turned in a closed in XXXX. The amount was {$13.00}. I paid the amount on that day and then called XXXX XXXX numerous times to find out what the issue was. They could not tell me as the account was not in their system. In XXXX of this year, my wife and I purchased a home and a {$13.00} account was on my credit report. With a representative of the bank that funded our loan, we spoke to XXXX XXXX to clear up the matter and was told that the account was closed and not to concern myself with the amount. I have spoken to various representatives of XXXX XXXX included the executive customer service area of the company. I was told that the matter should of never gone into collection, since I never received an documentation from XXXX XXXX about the the amount and that they would review the issue and directly take care of the matter with the Credit Rating services. I have not had a late payment in 35+ years and protect my credit rating aggressively. Since this issue, my XXXX XXXX has gone down from XXXX to XXXX with one of the agencies and lower with the others. XXXX 's incompetence in this matter should not affect my credit rating or the costs that are tied to that rating. There low customer review scores are indicative of how they do business and I am sure there are others who have suffered similarly from XXXX XXXX 's business practices. If I knew that I owed Ally {$13.00} in XXXX I would of gladly paid the amount, and since I continued to have a lease relationship with them through XXXX without any notification of the {$13.00} or request for payment, makes this situation more egregious. A company 's poor business practices and management of information should not be allowed to affect new or ongoing customer 's life and ability to live in a credit driven society. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

In XX/XX/2018 TD Bank issued a fraudulent credit card in my name, to an unknown third party in association with XXXX XXXX, account number XXXX XXXX XXXX XXXX. The unknown person then used that card to purchase three cell phones for {$2500.00}. TD bank closed the account and removed the charges. 
When I filed their requested affidavit, I requested : " In accordance with the Fair Credit Reporting Act, please supply me with all the information that the fraudulent person used to apply for this credit account in my name and any other business records relating to transactions and accounts that resulted from the theft of my identity so that I take whatever additional steps are necessary to prevent additional fraudulent activity in my name. The following sources and quoted material makes clear my right to this information. 
https : //www.consumerfinance.gov/learnmore/ Summary of your rights when you believe you are the victim of identity theft links to https : XXXX XXXX. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It may also specify an address for you to send your request. Under certain circumstances a business can refuse to provide you with these documents. See www.consumerfinance.gov/learnmore.

" TD Bank does not comply with their promised 1-day inquiry and 30-day fraud response times and should be held to account for that false advertising. 

TD Bank failed to use due diligence in the issuance of a credit card to an unknown third person, and is thus complicit in the theft of my identity. 

With the failure of TD Bank to respond to my inquiries, one is left to wonder if they are hiding activities such as XXXX XXXX was a few years ago. 

This is just a short summary. Full details are in the attached documents, which includes a 6-page cover letter with proper formatting.
Product: Mortgage

My husband refinanced our home in his name only, without my knowledge. It wasn't until after his death ( XX/XX/17 ) that I discovered this, and now that I'm attempting to refinance the mortgage in my name only, the mortgage company is not cooperating with me. I do not understand how my husband was able to refinance our home without my signature, even though I am on the deed.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, I applied for a loan with an organization called NetCredit. I was approved and the loan was funded. In XXXX of XXXX, my job was impacted by COVID19 and I reached out to NetCredit and asked them if they would be able to lower both the interest rate and the payment because the payment on this account is XXXX and I can not afford that at the moment. A representative from NetCredit responded to me stating that they do not lower the interest rates on their loans and that I could visit their website for payment assistance. I went to their website and on their website, the only option that I was given was to defer my payment by up to 20 days. I then continued to make my payment with the enhanced unemployment that I was receiving and when the enhanced unemployment ran out in XX/XX/XXXX I contacted them again and advised them that I was going to have to default on my loan as I could no longer afford the payment and again they referred me to their website and stated that there was nothing that they can do about the excessive interest rate that I was paying. When I applied for this loan I was not given a copy of the amortization schedule and at no time was I told that I would be paying over 85 % of my payment to interest. I never would have signed up for a loan if this were the case. Currently, I make a XXXX payment per month and XXXX of that goes to interest that I never was told about. The contract that I signed was online and it was very misleading. This matter needs serious attention as I know I am not the only consumer that they have done this to.
Product: Debt collection

LVNV FUNDING LLC has denied my request for Validation. They deleted inaccurate reporting with XXXX, but refuse to remove inaccurate reporting with XXXX and XXXX. 
See Attached Documents.
Product: Payday loan, title loan, or personal loan

I changed bank accounts and per the website/app, they require that I contact them via an email form in order to update it. They also require auto payments. So, after attempting to contact the lender twice on XX/XX/XXXX and again on XX/XX/XXXX, they have yet to get back to me in order to give them my updated bank information resulting in : 1 ) NSF fees from my former bank 2 ) Fees from their own company for late payment/NSF 3 ) Hit to my credit score/credit bureaus How do I get this resolved and how do I get the fees reversed and credit bureaus contacted so that my credit is not affected by their poor service? Im just trying to pay my bill with my updated bank info!
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to remove two collections that do not belong to me on my credit report In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 setion602 states I have a right to my privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15B creditor may not treat a payment on a credit card account under an open-end consumer credit pla
n as late for and purpose
Product: Checking or savings account

On Monday XX/XX/XXXX, I brought $ XXXX in US Savings bonds to Bank Of America, XXXX XXXX, XXXX XXXX, NJ branch and had them cashed and deposited directly into my checking account. 
I saw the amount as " in process '' that same day. 
Today, in the morning, I checked my account, and the funds had vanished. There was no trace of them. I called the help line and spoke to two different people -- one person told me there was a computer glitch and that it had been fixed. But I still didn't have the money. Another person told me she would investigate and call me within two hours. She didn't. 
I went to the branch and spoke to a man who said the bank had said that deposits weren't properly processed ( computer glitch ) and that they were being reprocessed and the money would be in my account by end of today XX/XX/XXXX. 
The money is not there. 
I am very troubled by the fact that Bank of America has a very cavalier attitude about the missing funds. It's a lot of money to me. Over {$21000.00} and I have proof.
Product: Student loan

I graduated from college in XXXX and in XXXX the school went under and lost their accreditation for doling out high interest rate loans. When the school lost accreditation, I worked with Navient to try and pay this off while clearly struggling with payments to no luck. Hoping someone can help me sort through this! I hate how they will offer absolutely no resolve and instead hot potato you to different departments. I'm so underwater with payments for a school that got punished for these loans, myself getting punished by these loans, and not one ounce of consequences for the loan companies.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion, Experian, and Equifax for reporting several accounts on my credit file that are the result of unauthorized use of my Social Security number. These accounts were not opened by me and do not reflect any actions I have taken. 

I previously filed a police report in XXXX XXXX regarding identity theft and have recently discovered additional unauthorized accounts on my credit report. I have also filed a Federal Trade Commission ( FTC ) Identity Theft Report, which is attached for reference. 

Under 15 U.S. Code 1681c2, I am requesting the immediate removal of the following accounts from my credit report within 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiry listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiry remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with tis inquiry and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed this unauthorized inquiry from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/2023.
Product: Debt collection

on XX/XX/2022 I disputed National Credit SystemsXXXX XXXX to dispute the validity of this debt that has somehow appeared on my credit without my written consent pursuant to 15 USC 1681b. I received a letter today where I noticed a lot of violations. Please see below Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been and deceived so be it. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that National Credit System , INC is in violation of 15 U.S. Code 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with collection with any debt. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that National Credit System , INC is in violation of 15 U.S. Code 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owe any debt.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that National Credit System , INC is in violation of 15 U.S. Code 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to all major credit reporting agencies ( XXXX, Experion, XXXX ) requesting that they verify and validate the information on specific items in question. The purpose of the letters were for verification and accuracy due to discrepancies being reported. I have attached a copy of a few of the letters i sent via certified mail as proof of compliant and non compliance. 
I also requested that all of this was to be done following specific sections of the Fair Credit Reporting Act ( FCRA ) assuring that I provided as you can verify via my letters. All of the credit reporting agencies failed to provide a valid response to my request and responded with a blanket statement saying the account was verified. The following section ( s ) of the FCRA were blatantly ignored and are currently damaging my credit scores resulting in monetary and emotional distress. Section 609 ( a ) ( 2 ) & 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) have been blatantly ignored as all of these agencies have not provided a reasonable source of their method of investigation or verification. In all cases, they have used outside sources ( third party ) and not the direct creditor to verify, These shortcuts are blatant violations and as an end result should be deleted. The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617if they fail to comply with Federal Law, which they have. Additionally, I requested that all inquiries that are not current accounts be verified and if unable to provide reasonable verification be deleted.