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

I would not recommend chase bank to anyone I had two open claims and both were denied with proof of fraud for {$590.00} & the other with a second opinion like they asked. Not only did they deny my claims but are still holding on to my money. I was scammed in early XXXX & chase did a claim reversal even tho I submitted a police report!!!! Yesterday XXXX chase started blowing me up about a claim I did earlier this month for {$300.00}. I filed a claim because a phone repair place completely destroyed my phone & refused to give me a refund. I filed a claim and was told to send in a second opinion letter which I did stating the phone was scrapped because of the phone repairs companys mistakes. I got a call today that said they wont be accepting the second opinion & probably will be denying the claim. They claim they do their research but didnt even try to reach out to the phone repair company to speak with them about the second opinion they wrote! The claims department is awful! Its bad enough they already closed my accounts and now this.I am so sick of this nasty company! They are no help and will not help you even when you submit the documentation they ask for. They will let the scammers scam you and people get away with taking your money. I can honestly say Im happy I cut ties with chase cause this is ridiculous. I have XXXX left in my account and they wont release it due to the claim. At this point the bank needs to be shut down. I want my account closed and my money back immediately, I want to cut all ties with this bank its no need in holding my money just close the accounts and give me my money back.
Product: Debt collection

Southwest credit systems keeps harassing me. This is showing on my credit. I do not owe them. They purchased this from another company and are violating my rights. It has already been removed from XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request to Update Credit Report Charge-Off Status** To Whom It May Concern, I am writing to address an urgent issue regarding the reporting of an account on my credit report. The account in question has been **charged off** by the creditor. I am in the process of reporting the canceled debt as income to the IRS. However, I have not received a **Form 1099-C** from the creditor, which is necessary for accurate tax reporting. 

Account Details : Creditor Name : XXXX Account Number : XXXX Charge-Off Date : XX/XX/year> - Amount of Debt : {$2400.00} Immediate Action Required : Update Credit Report : - Given that the debt has been canceled, I request that this account be : - Removed from my credit report, or - Updated to reflect that the debt has been settled or canceled. 

Accurate reporting is critical to avoid complications with my credit profile and tax filings. 

2. Lack of Power of Attorney : - The creditor does not have any Power of Attorney to act or report on my behalf. Sole POA belongs to ES RVOC LIVING TRUST. This lack of authorization further complicates the accuracy of the reporting.If this matter is not resolved promptly, I may consider pursuing legal action to enforce my rights and ensure accurate reporting.

Additionally, as a credit reporting agency, you are obligated to comply with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and completeness of information reported. The continued inaccuracy of this account may constitute a violation of these standards.The incorrect reporting has significant personal and financial implications, making it imperative that this issue be addressed immediately.

3. IRS Reporting : - Should this matter not be resolved within **15 days** from the date of this letter, I will proceed with filing **IRS Form 3949-A ( Information Referral ) ** to report non-compliance by the creditor. Please note that the creditors willful neglect to report this account as required by IRS statutes further exacerbates the issue.

4. Legal Implications : - This letter may serve as evidence should legal action be necessary. It demonstrates the reporting agencys awareness of the issue ( inaccurate reporting, Assuming POA, and potential tax implications ). 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have items 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report and demand immediate rectification in accordance with the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts are inaccurately reported on my credit report : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX  XXXX - Account Number : XXXX I want to emphasize that I did not open these accounts, and they are a result of fraudulent activity. 

These inaccuracies are clear violations of the FCRA, which mandates that credit bureaus ensure the accuracy of information included in credit reports. Specifically, the FCRA ( 15 U.S. Code 1681i ) requires credit reporting agencies to investigate and correct inaccurate information within 30 days of receiving a dispute. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ) requires debt collectors to provide validation of debts and allows consumers to dispute debts that are not valid. I have disputed the validity of these debts, and the information remains incorrect on my credit report. 

Furthermore, the Identity Theft and Assumption Deterrence Act ( ITADA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) provide protections for victims of identity theft, including the right to place fraud alerts and to have inaccurate information resulting from identity theft corrected.
Product: Debt collection

WAKEFIELD & ASSOCIATES have submitted a claim for a medical debt with derogatory and false information repeatedly for a bill that I do not owe that has affected my credit rating for 6 years now for {$880.00} after multiple disputes. The hospital I worked at I had an emergency XXXX  and paid my upfront negotiated deductibles. Almost a year after I left that job and moved to another state, anesthesia sent a claim to insurance that insurance denied. I have disputed this with the company and credit bureaus and yet it still is negatively affecting my credit score. They once again posted it to the credit bureaus and NOT as a MEDICAL BILL. I want it removed please as this is not reported correctly & has lowered my rating and I refuse to pay a bill I do not owe due to a late claim being filed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I am part of the XXXXXXXX XXXX XXXXXXXX case. My student loans have been forgiven for XXXX  XXXX XXXX however, as part of this lawsuit, I should receive a refund for the payments that I made towards specific loans from XXXX XXXX XXXXXXXX according to my calculations that refund should be around {$1600.00}. I have not received that refund. I have reached out to my loan servicer as well as the department of education and.Borrowers defense And have gotten no responses this process was originally supposed to be done by XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an old XXXX XXXX account # XXXX that was opened on XXXX XXXX, XXXX with 30/60/90/120 late months after never having missed a single payment. I had a flawless payment history. The reason for these late erroneous late payment marks are due to when I had moved my office in XXXX of XXXX and despite updating my records with both the post office and the creditor, I never received the statements in the mail. It was n't until I noticed that I had not received anything that I contacted the creditor asking what was happening. They told me they would resend the statement and that the late fee would not apply because of the " confusion ''. However another month went by where I still had not received my statement and was forced to call in again. Furious, I called again and was told that there was no record of my previous calls! I asked if the statement could be faxed but was told that was not possible but that they would make sure to send it once again. I asked if it could be expedited since the holidays were approaching but was told that this was not possible. Sure enough the holidays came came and went, even a new year was celebrated and I had not received my my statement in the mail. I called a final time in XXXX XXXX and asked to speak with a supervisor. A man name " XXXX '' heard me out and apologized for the trouble, however when he confirmed the address, they still were sending to the the old address! Once again I provided the new address and finally received it in the mail early XXXX. I do not believe penalizing me for something outside my control is fair, especially having a flawless history.
Product: Credit card or prepaid card

I opened a business credit card for my company XXXX years ago with PNC BANK with a 21.99 % interest rate with the promise of an increase in credit amount and a interest rate reduction after making on time payments after XXXX year. 
My company as made all payments on time and has also requested an increase in credit limit. We were declined an increase in credit with no explanation. When trying to make payments online through their mobile app there was often problems with the mobile app where i had to call PNC BANK an speak to a representative to get the bill paid. I was told by each representative that this will not be a problem in the future. 
It is a constant problem when trying to conduct business when making payments and purchases.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Information Due to Data Breach To Whom It May Concern, I am writing to formally request the immediate removal of all accounts, inquiries, and any other reported information associated with my name and personal details from my credit report. My name has come up in a data breach, putting my personal and financial information at risk. As such, I am exercising my right to dispute and demand the removal of any and all information that may have been compromised or fraudulently used. 

Under federal law, including the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccurate or unauthorized information on my credit file. I am giving you seven ( 7 ) days from the date of this letter to remove all related information. Failure to comply within this timeframe will leave me no choice but to pursue legal action against your agency for non-compliance and any damages incurred due to this breach. 

Please confirm in writing once my credit report has been updated. You may reach me at the contact information listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was deleted from my credit report on XX/XX/2021. Experian reinserted the account on my report without notifying me in writing 5 days prior to.
Product: Mortgage

My loan was sold to Ditech on XXXX XXXX. I immediately started making my payments through my bank bill pay. I make the full monthly payment on or before the XXXX of each month. I also make a mid-month additional " principle only '' payment. Ditech is holding this mid-month payment until the first of the next month. I have called them and I have emailed a detailed request for them to apply my additional principle immediately upon receipt. They wrote me on XXXX XXXX saying that they needed 30 days to investigate and resolve the issue. I just received another letter from them saying they need additional time to review my request.
Product: Credit reporting or other personal consumer reports

I noticed several inaccurate inquiries on my credit report. I tried reaching out and sending letters to credit bureaus and no action has been taken. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I asked the credit bureaus to do a verification of everything on my credit report, which they did and they verified with me that everything was accurate. However, I did my own research and found improper inaccuracies on the credit report. After disputing the student loan account with XXXX XXXX XXXX starting with account # XXXX, I disputed the information with XXXX, Experian, and XXXX. I found several inaccuracies even after an FCRA investigation was completed. There are several inaccuracies on the high credit limit, last reported date, and last active date. According to the fair credit reporting act, that I included below, the credit bureaus credit report was not completed accurately and due to this, I want all information associated with this account deleted off of my credit report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C. 1681 section602 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 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run XXXX XXXX XXXX XXXX - XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a final and unequivocal demand for the immediate removal of the inaccurate and misleading information you are reporting regarding XXXX XXXXXXXX XXXX account with XXXXXXXX XXXX ( formerly XXXXXXXX XXXX ), Account Number : The account in question has been paid in full as of XX/XX/XXXX, as explicitly confirmed by XXXXXXXX XXXX in XXXX dated XX/XX/XXXX. Your refusal to update or remove this inaccurate information is a direct violation of federal law, specifically the Fair Credit Reporting Act ( FCRA ), and is causing significant harm to my business, reputation, and financial standing. This is harming my business from doing banking. 

ChexSystems has failed in its legal obligation to ensure the accuracy of the information it reports, and this negligence has resulted in material damages. You are now in clear violation of the following statutes : 15 U.S.C. 1681a ( 2 ) ( i ) Information derived solely from transactions or experiences between the consumer and the reporting entity is excluded from the definition of a consumer report. As the reporting entity in this matter, XXXXXXXX XXXX information should not appear on your system. 
15 U.S.C. 1681s-2 ( b ) You are required to investigate and correct inaccurate information upon dispute. Your failure to correct this issue demonstrates gross noncompliance. 
15 U.S.C. 1681n and 1681o Your actions constitute willful and negligent noncompliance, exposing ChexSystems to legal liability for actual damages, statutory damages, punitive damages, and legal fees.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. 

I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 

Subsequently, I have made several attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to resolve the issue. 

Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected timely resolution and accurate reporting of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraud on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

I would use my cashapp card at a store and later on see transactions for things in places Ive never been. Sometimes across the country, during Covid I lost over XXXX from fraudulent transactions from people stealing my cashapp info I also used XXXX  during the pandemic and my cousin had her funds sent to my account and they claimed they rejected the transaction and sent it back to unemployment, but unemployment says they never received the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NAVY FEDERAL CREDIT UNION. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CREDIT UNION with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

I received a inquiry on my Credit Report from a Nordstrom on XX/XX/2023. I am in the process of moving so it slip my mind until today when I received the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The paperwork that has been allegedly sent has been abandoned and erroneously filed by XXXX and veteran home loans. I XXXX XXXX have not received any notices. And due to my XXXX of not being able to adequately communicate in legal jargon I believe the XXXX needs to be alerted for taking advantage of a XXXX person and veteran. I will also file a complaint with TIGTA and the FTC.
Product: Prepaid card

US Bank Corp denied me the ability to rescind a credit card offer violating federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file bankruptcy in XX/XX/2021 and it was discharged in XX/XX/2021. BMO Harris Bank continues to report to XXXX that I am deliquent on the loan and repo. This lender was placed in my bankruptcy and should not be being reported at all. It has caused me to be denied a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I certified mailed a letter disputing an erroneous account on my credit report asking Equifax to investigate this, provide me with the documents used to verify and validate the account, or delete the account immediately from my credit report if they could not. It has now been more than 30 days since they received the letter ( which I have proof of ) and they have not responded nor have they removed the account. I have attached the original letter mailed on XX/XX/2022 ; as well as a failure to comply letter updating them on their willful negligence to comply with my request, the Fair Credit Reporting Act, and CFPB.
Product: Checking or savings account

On XX/XX/XXXX, I received a call from a scammer that had access to my debit card information. I immediately contacted Chase to have report my card as stolen. I received an email stating my replacement card request had been received. Later that night, I received a fraud alert from Chase about a purchase in XXXX, GA that I responded to indicating it was not me attempting to make the purchase. My card was canceled again. The next day, XX/XX/XXXX, I noticed four charges to my checking account : XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX {$130.00} XXXX XXXX # XXXX XXXX GA XX/XX/XXXX {$140.00} XXXX XXXX  # XXXX XXXX GA XX/XX/XXXX {$130.00} Two of the transactions were still pending and Chase canceled those accounts. I was issued a temporary credit for {$270.00} and that credit was reversed on XX/XX/XXXX. On XX/XX/XXXX, Chase sent an email stating their investigation determined the charges were not fraudelent even though these charges occurred after my card was reported stolen. Per the fraud department, I sent the below attachment and have yet to hear anything back from Chase regarding this matter.