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

I write seeking your help because JP Morgan Chase, my bank of 42 years, will not reimburse me for funds unlawfully drawn from my Chase checking account by XXXX XXXX XXXX 
* * * Background : In XX/XX/XXXX, I mailed a rent check to my landlord in the amount of {$2000.00}, as I had always done for the previous 39 years. The check, according to the landlord, never arrived. I immediately notified Chase Bank, on XX/XX/XXXX, because funds in that exact amount ( {$2000.00} ) were missing from my account. 
Chase said it would investigate. Chase then sent me documents that I needed to sign and notarize, and which also required a notarized signature from my landlord, affirming that neither I nor my landlord were responsible for the cashing of the lost check. I returned the dually-signed and notarized document to Chase, as requested. 
Months passed, so I contacted Chase 's fraud department for a progress report. Chase informed me that an unknown individual was seen on an ATM camera depositing my check at a XXXX XXXX Bank ATM, and that that person took the money. 
Chase said that XXXX XXXX was responsible for my lost funds, not Chase, and that Chase would contact XXXX XXXX and seek to obtain reimbursement of my lost money. 
I continued to reach out to Chase throughout XXXX. The Chase fraud staff had sent a letter to XXXX XXXX on XX/XX/XXXX ; and again on XX/XX/XXXX, and again on XX/XX/XXXX. Chase informed me that XXXX XXXX had not responded to any of these communications. 
On XX/XX/XXXX, Chase sent me a notice. It reads, in relevant part, regarding my claim XXXX XXXX XXXX XXXX XXXX : " We will continue to follow up on your behalf. However, if at 90 days after the date that your claim was submitted we have not heard anything from the depositing bank, we will close your claim and your funds will not be recovered. '' I immediately called Chase and asked how it was possible that one of XXXX 's major banks can not get another major American bank to even acknowledge this theft. I also asked when the XXXX deadline clock began. The Chase staffer said the date would be XX/XX/XXXX. So, I said, in other words, you will let XXXX XXXX take my money if you don't hear from them by or before XX/XX/XXXX? Chase responded, " Yes. '' * * * My landlord still has not received his rent payment that was lost. I am retired and receiving Social Security XXXX. I fear my landlord will attempt to evict me for non-payment, despite my best effort to pay what I owe him. 
* * * I can not imagine that XXXX XXXX Bank would ignore another major bank on an issue like this if Chase, too, was not also ignoring such requests from other banks as well, including XXXX XXXX. In other words, I believe that this practice may be endemic, and the safety of depositors ' funds be damned. 

I plead for your assistance to get to the bottom of this matter. I am available to answer any questions that you may have, at any time. 

Thank you for your consideration.
Product: Credit card or prepaid card

XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX FRAUDULENT CREDIT CARD APPLICATION AND ONE HARD INQUIRY ON XX/XX/XXXX. I HAVE CALLED XXXX XXXX ON XX/XX/22 AND THEY SAID THAT THIS " BAD '' INQUIRY WILL BE DELETED AND REPORTED ACCORDINGLY TO ALL 3 CRAs WITHIN 90 DAYS AND INFORM ME. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX FRAUDULENT CREDIT CARD APPLICATION AND 3 HARD INQUIRIES. I HAVE CALLED XXXX ON XX/XX/22 AND THEY SAID THAT THE FRAUD HARD INQUIRIES WILL BE CONVERTED TO SOFT INQUIRIES ( not deleted ) AND THEY WILL REPORT TO ALL 3 CRAs WITHIN 90 DAYS AND INFORM ME. I REQUESTED FULL DELETION BUT THE REP DID INSISTED ON CONVERSION TO SOFT AND NOT DELETION. 

I HAVE FROZEN MY CREDIT, AND REPORTED THE THEFT TO THE LOCAL CITY POLICE, AS WELL AS REGISTERED ON IDENTITYTHEFT.GOV. IN ADDITION, I HAVE ADDED FRAUD ALERTS WITH ALL 3 CRAs and MOST CREDIT CARDS, AND BANK ACCOUNTS. I HAVE YET TO FILE A " VICTIM REPORT '' WITH ALL 3 CRAs. 

I WILL ALSO REPORT THIS THEFT TO THE IRS, AND SSA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I have disputed a few items on my report as errors and asked the major XXXX credit bureaus to take a look into the matter and correct their error. XXXX XXXX Equifax and XXXX. None of which these companies corrected their errors.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XX/XX/XXXX Account number : XXXX Account name : XXXX OF XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I received a card in the mail noted as a XXXX  XXXX  in my name : XXXX, exp XX/XX/XXXX in which I am unaware of any affiliation with a DC.gov card with U.S. ReliaCard Bank ( USBANK ). The phone number on the documentation listed cardholder services as XXXX. When contacting the organization, I was asked for my birthdate and social security number which I clearly would not provide. 

The customer service representative would not provide any information as to the legitimacy of the card or who they represent unless I provided the personal information requested. 

I did not request any XXXX card listed. Their return address on the very official-looking paperwork is District of Columbia XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I am happy to provide any and all information that I have received.
Product: Mortgage

Back in XX/XX/XXXX my husband XXXX was laid off due to covid 19 and his company having to temporarily close. I applied and was approved for a forbearance plan with my mortgage company. Since that time I have been attempting to apply for mortgage assistance and having the missed payments added to the end on my loan. I have made over 20 phone calls to specialized loan servicing. At first I was told my application was complete and just waiting on a decision multiple times Then on XX/XX/XXXX XXXX I was told my application is to light and I need to resend. I was told it had to be scanned so I had to go out an buy a printer and scanner ( I spoke to XXXX at XXXX explained I live in NY and am under strict quarantine but he said that was the only way my application could be accepted ). So I did that and resent Then on XXXX at XXXX I spoke to XXXX who said everything was recieved and awaiting decision. Again on XX/XX/XXXX XXXX everything was accepted waiting on approval. Then on XXXX I was told they needed an original application that I must print and mail so I did that. On XX/XX/XXXX called at XXXX said application was received and now need pay stuns from XXXX since he is back at work. I sent pay stubs. XX/XX/XXXX XXXX said they need a months worth of pay stubs when XXXX was now back at work for a month told them I would send on XX/XX/XXXX which I did and its registered on website that 4 weeks worth of pay stubs have been received. Also on XX/XX/XXXX I was told I needed to provide disaster documentation and insurance company claims. I explained I was not part of a disaster and receved no insurance funds. I was told I had to write a letter starting such which I did and uploaded on XX/XX/XXXX. Now on XX/XX/XXXX I just called and spoke to XXXX at XXXX. Said I have to show proof I am not part of a disaster recovery and also additional pay stubs for one consecutative month. I explained they have all of this, She said she will submit application but will not be approved. I am so frustrated. This is becoming a full time job. My husband lost his job fir 3 months all I am asking for is to move the payment ffom XXXX to XXXX to end of loan and I will start making payments XX/XX/XXXX. What a terrible company to deal with absolutely no compassion and I am a XXXX XXXX XXXX. I work in a XXXX  with XXXX XXXX XXXX each day and have to come home and fight with Specialized Loan Servicing
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : -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

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX   XXXX {$600.00} XXXX XXXX {$4200.00} XXXX XXXX {$4200.00} XXXX XXXX {$2700.00} XXXX XXXX {$2700.00}
Product: Credit card

I received a message that my information was used on a new application to open a Cabelas Capital One Credit Card. I also received an email about the inquiry hitting my credit report with XXXX and XXXX. I have not applied for any credit cards recently.
Product: Debt collection

This is not my debt. This company is trying to collect a debt for a company that I have never done business with. They call me 3 to 4 times a day, while I am at work. I have asked them to stop more than once. They call from numbers that have the same prefix, just the last four are different, every single time. It is ridiculous. They can not provide proof that this is owed by me, which shows that it is not me, but they still will not stop calling. It has turned to harassment and it needs to stop. The company name is Diversified Consultants. When you look up the phone numbers though, they are all in individuals names. It shows that they are fraudulent. There are no contracts, paperwork, etc., to make their claim plausible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX  Delete this account.

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
11. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Notified Diversified Consultants on XXXX-XXXX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 (A)(7). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Diversified Consultants to remove incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA  section 623 (A)(7). Never received any mail from Diversified Consultants.
Product: Credit card or prepaid card

I searched for a discover card through the prequalify tool on their website ( XX/XX/XXXX ). I was offered the cash back card but when I finished applying it says the reason I was denied was due to status of prior/existing account. Across all 3 credit bureaus my previous account with Discover has a XXXX balance and is current. When I called the Application department to rectify the issue on ( XX/XX/XXXX ) after applying I was told to call the verification department. I called the verification department ( XXXX ) on ( XX/XX/XXXX ) and was not given any information to remove this previous status. The reason my account was revoked was due to a verification issue with a glitch in the form 4068-T. I filled the form out on XXXX XXXX XXXX but Discover never received it. When I called to pay the rest of my old discover card off I was told once it is settled and paid I would be able to open a new account. That does not seem to be the case.
Product: Money transfer, virtual currency, or money service

Re : XXXX ; I wish there was a way to simply reply to your messages rather than need to open up a new complaint just to respond to you. Bank of America are in the process of working something out. I have emailed that I would like to come up with some sort of monetary compromise. We are supposed to discuss this on XX/XX/XXXX or XXXX. 

You had sent me a message that Bank of America had closed the case and clearly they did not. Most of the problem on Bank of America 's side was due to gross negligence and the fact that they had made it almost impossible to contact them, so I could have stopped the scam in time. 

In the interim, there are about a dozen law enforcement and regulatory agencies involved. Much of the problem relates to the fact that the FBI and the DOJ are not reading their IC3 reports and travel to open up a civil suit or criminal case is extremely difficult due to COVID 19 restrictions, including 2 week quarantines, and the fact that the money mules and main scammers are trying to hide. 

I have a clearer idea of the damage and if negotiations with Bank of America do not work out, I have a 30 page file I could send you. 

The total loss is around {$120000.00}, of which {$110000.00} occurred with Bank of America and {$5300.00} occurred with XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX is the money mule through which XXXX XXXX XXXX   funneled the money. XXXX XXXX is the money through which Bank of America funneled its share of the money. 

The main scammer is a fake version of XXXX XXXX XXXX XXXX, which still operates out of XXXX, XXXX and XXXX, XXXX. I believe an arrest warrant can be served on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 when XXXX XXXX makes his presentation in XXXX at a XXXX XXXX, but I am still investigating other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached two FTC reports with fraudulent accounts which need to be deleted please also update all of my personal information
Product: Student loan

I am a federal student loan borrower with MOHELA as my loan servicer. I am currently on the SAVE repayment plan and stuck in the SAVE general forbearance. On XX/XX/XXXX, I applied to the PAYE repayment plan on the Federal Student Aid website, and MOHELA communicated to me in writing on XX/XX/XXXX that they received my PAYE application. Pursuant to the FSA website, " If servicers need time to process a borrower 's IDR [ e.g., PAYE ] application, servicers will move the borrower into a processing forbearance for up to 60 days. '' As clarified further in a XX/XX/XXXX email sent by FSA to borrowers on the SAVE plan, " If you submit an application to enroll in an IDR plan other than SAVE, but your loan servicer is unable to process your application within XXXX business days of receiving the application or before your next billing statement will be sent, you will be moved into a processing forbearance for up to 60 days. '' Based on my XX/XX/XXXX application date, the XXXX business day would have been XX/XX/XXXX. I should have been moved from the SAVE general forbearance onto a 60-day processing forbearance on or before XX/XX/XXXX if MOHELA was unable to move me from SAVE to PAYE. As of today, XX/XX/XXXX, I remain on the XXXX plan and in a general SAVE forbearance. 

A copy of the XX/XX/XXXX email is attached. 

I have communicated with MOHELA numerous times since my XX/XX/XXXX application. Some MOHELA representatives acknowledge that a processing forbearance should be applied. Others, including one from a call today ( XX/XX/XXXX ) assert that borrowers on a SAVE general forbearance are prohibited from being moved to a 60-day processing forbearance, and that this prohibition comes directly from FSA. I informed MOHELA reps of the XX/XX/XXXX FSA email and FSA website language, but refuse to acknowledge the very plain instructions that SAVE borrowers are eligible for a 60-day processing forbearance if they apply to another IDR plan like PAYE.

I have communicated to FSA, who say forbearances are handled by MOHELA. Both MOHELA and FSA point to each other as the problem, causing irreparable harm to borrowers. Though with FSA 's clear guidance, and as FSA 's contracted servicer, MOHELA is responsible for moving me onto a processing forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to advise that I had been a victim of their Inquiry issue. I contacted Transunion and they refused to remove the unauthorized inquiries on my credit report. I called on XX/XX/2018 and spoke with several representatives that were rude and would not address the issue or concern. I have also mailed a certified letter detailing the same information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted them directly and they told me to contact my credit bureaus. Then credit bureaus said to make a FTC report this was done fraudulent and I didnt authorize this
Product: Money transfer, virtual currency, or money service

My Kraken account has been '' temporarily disabled for more than 3 weeks as of XX/XX/18 i have filed 5 customer service requests and have not received an automated response with a ticket number for  escalation. I have joined XXXX and created 3 messages to Kraken at the krakensupport page under myuser name XXXX. I have received a reply from " XXXX " at kraken support but no follow up. I would like access to my account restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was receiving bills from a collection company. I wondered for days why I received this collection bill twice, if I knew I did not owe anything. I got onto XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on identity IQ. I am  extremely shocked with these items on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. 

US DEPT OF ED/XXXX XXXX {$71000.00} XXXX  XXXX XXXX XXXX XXXX {$130.00} XXXX, XXXX XXXX {$380.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$1500.00} XXXX   XXXX {$990.00} XXXX XXXX XXXX  XXXX {$160.00}
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose