23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

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

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

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

XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$0.00}.
Product: Credit card or prepaid card

I am on XXXX XXXX service with the United States XXXX XXXX. While on XXXX XXXX, I applied for the Barclays Luxury Card in XXXX. When I applied I was informed that due to my XXXX XXXX status, the card 's {$990.00} annual fee would be waived, as well as zero percent interest charges during the duration of my XXXX XXXX status. Barclays Luxury Card honored this " XXXX XXXX XXXX '' for only one year. Each year thus far, ( XXXX ) I have been charged a {$990.00} Annual Fee. There will also be another {$990.00} Annual Fee posting to my account in XXXX of XXXX. I have spoken with other colleagues that were grandfathered into the original " XXXX XXXX XXXX '' due to their ongoing XXXX XXXX status. 

Please see supporting Documents attached as well as links to news article concerning this matter below : Link to article XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, DP OF EDUC XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, DEPTEDXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, and XXXX XXXX have 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.
Product: Credit reporting or other personal consumer reports

I am contacting you to inform you that I am a victim of multiple data breaches from XXXXXXXX XXXX XXXX XXXX & the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days
Product: Mortgage

Loan care purchased our loan but does not except electronic payment. They only accept loans by mail that are paid up to six days late accumulating six days worth of interest each month. My prior servicer excepted electronic bill pay and the payments were made at the beginning of each month on the first. If they are going to except or purchase a debt they should be required to maintain the previous servicers practices.
Product: Mortgage

I initiated a loan recast process in XXXX of last year, which involved a payment of {$50000.00} along with a {$300.00} processing fee. The recast had been approved by my previous loan company ( XXXX ) in XXXX, and starting from XX/XX/2023, I was expecting a monthly payment of {$1800.00}. However, my loan was subsequently transferred to Freedom Mortgage Company, and they failed to execute the recast and honor the lower monthly payments as per the approved terms. Freedom Mortgage Company kept sending me bill to pay {$2000.00}. 

Now 9 months passed, I have made numerous attempts to communicate with them, providing all necessary documents ( uploaded to their website ) and contacting them several times every month since XX/XX/2023. Despite my efforts, there was no progress until XX/XX/2023 when they requested that I redo the recast under a modified policy, which I do not agree with. Given that the recast has not been implemented at all, I have formally requested the return of my funds. I sent an official letter via XXXX next-day delivery and also uploaded the letter to their portal three weeks ago on XXXX XXXX, but as of now, I have received no response from them. 

I am seeking your assistance in recovering my money since they can not inherit the approval from the previous company. Thank you very much for your support in this matter.
Product: Credit reporting or other personal consumer reports

i'm just learning that i may be a consumer affected by fraud with Bank of America and other banks.
Product: Credit reporting or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my EXPERIAN Credit Report and I am refilling this complaint. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number XXXX
Product: Credit reporting or other personal consumer reports

I have tried to send my disputes to the XXXX credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Product: Debt collection

I am a victim of identity thief i contacted the proper authorities i was instructed to file a identity thief report with the federal trade commission a police report and a identity thief affidavit. I am requesting these accounts be deleted immediately. Upon checking my credit report i discovered that there was several fraudulent accounts on my credit report, i have contacted the creditors and furnished the creditors with the above stated documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company is reporting false information on my credit reports. 
Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1. XXXX/ XXXX XXXX. 
2. XXXX XXXX .
Product: Credit reporting or other personal consumer reports

I believe FCRA XXXX mandates the elimination of any erroneous accounts from my credit report. Can you review the documents? Some of the accounts listed contain inaccuracies in terms of reporting, including incorrect amounts and dates.
Product: Checking or savings account

On XX/XX/XXXX, my card information was compromised and multiple unauthorized charges were made on my account. Wells Fargo sent me a notification re suspicious activity, so I immediately contacted the fraud department and cut off my debit card. Unfortunately, they had already hit the account, and over the course of the next few days, multiple charges showed up in various states of processing ( pending, posted, returned, etc. ) Of those charges, there were XXXX charges made at a XXXX location in XXXX XXXXXXXX XXXX One for {$59.00} and the other for {$430.00}. 

I have never been to XXXX XXXX, nor do I have any known associates, family members or friends in XXXX XXXX. Both of the fraudulent charges made at the same location were provisionally credited back to my account after I initially disputed the charges. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX informing me that their investigation concluded that the charge for {$430.00} WAS authorized by me or someone I know. This information is incorrect and had already been disputed directly with the bank. 

On Monday morning, shortly after the Claims Assistance Center opened for the day, I called to further discuss my claim. I was told that the purchase was a PIN Authorized purchase, therefore it was " obviously '' me that made that purchase. I reiterated to the representative that I had never been to XXXX XXXXXXXX XXXX and had never given anyone authorization to use my debit information. I also informed him that there were MULTIPLE fraudulent charges made, all of which had been confirmed as fraud and credited back to my account. This charge was at an identical location as one of the other fraudulent charges and this was obviously part of that string of compromise. 

I was essentially told, " Sorry you're unhappy with the conclusion, but you did this. '' I have banked with Wells Fargo for well over a decade. To have my trusted institution shrug me off so flippantly was a betrayal of trust. 

I wrote a long letter to appeal the decision and included various documents and evidence to support my appeal, including employment timesheets and screenshots of my XXXX camera showing both myself and my husband present in XXXXXXXX XXXX on the day of the supposed " authorized '' purchase in XXXX XXXXXXXX XXXX On XX/XX/XXXX, the {$430.00} provisional credit was removed from my account, and my checking account was charged accordingly. Now I am out over {$400.00} because they can't take the time to review the information presented and use common sense to see the clear and obvious fraud that took place.
Product: Money transfer, virtual currency, or money service

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

In XX/XX/2021 I extended my forbearance to what I believed was XXXX. I was later told it was XXXX. First week of XXXX I called and reapplied for forbearance until XXXX since I had just started working. XXXX I got an experience alert that XXXX flagged my mortgage 180 days late. Even if the forbearance was until XXXX ( which I don't believe so I asked for the call to be pulledI ) I would have resumed payments in XXXX. How and I being told that I am in default and being reported 180 days past. XXXX is pulling some fraudulent XXXX!!! I spoke to a rude XXXX  woman who hung up on me after I continued to question the math. EVEN IF THE FORBEARANCE WHICH IS CONFIRMED WAS ONLY UNTIL XXXX SIMPLE ELEMENTARY MATH WOULD TELL YOU THERE ARE NOT 180 DAYS BETWEEN XXXX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting me 120 days late on the XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.
Product: Checking or savings account

Right before these thieves at Chase Bank prematurely and abruptly closed our law firm business bank account, they stole/confiscated {$10000.00} of our money for reserve purposes promising to return it in 90 days to 6 months ( for which we filed a complaint against them with your agency ). Well that time has come and gone, and we are here to demand our stolen {$10000.00} now, immediately. Please urgently advise.
Product: Student loan

I just dont get it. original loan with navient is XXXX i owe XXXX i pay every month XXXX XXXX to principal and XXXX to interest. this has been going on for 10 years. how will i ever pay this off. i am getting robbed and no one will help. no one. loan numbers with navient are XXXX XXXX i have submitted a complaint before i recieved a letter from you but no response from navient. there are doing nothing. i feel that i am being robbed and what can i do and at this rate when does the principle go down.
Product: Debt collection

MBA LAW Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX ccount number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX This account does not belong to me, I have not had visits to any hospital in Florida, I have health insurance, I always have, neither of us recognize this account, I have been trying for a year to get a response and no one tells me anything concrete, This account is a fraud, they attributed those expenses to my ssn.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XXXX of 2019 I requested that Bank of America would correct the late payments showing on my credit bureau for both of my credit cards with them one XXXX  and one XXXX because had autopay. The autopay worked for a couple of payments then stopped. There was an account number change that could have been the reason for the autopay being removed but it is Bank of America 's responsibility to reinstate the same services I had on the accounts. 

When I noticed there was no Autopay a couple of months later, I called and requested to reinstate autopay and correct the late payments. The representative reinstated the autopay and refunded the fees but failed to correct the late occurrences on the accounts. 

I requested a loan to pay off my debts today and the bank gave me a copy of my credit bureau. Both of the Bank of America cards XXXX and XXXX are showing late payments and furthermore ; are not showing as a current payments and in good standing. These two account do not appear in my current accounts. They both show up under derogatory accounts and not showing under current accounts. These two accounts I have had with Bank of America for over 20 years. 

There has been previous account number changes but never closed and reopened. The late payments and the way it is reporting on my credit bureaus is negatively impacting my credit score and credit history. I have autopay on all of my credit cards to avoid this. 

I just spent over an hour attempting to contact them through their customer service phone number. Only to speak with a representative named XXXX from New York to tell me I have the wrong department and put me back into the general Queue which doesn't give an option for disputing erroneous information reported on the credit bureau. This make is appear as though there is no accountability on the part of Bank of America to make this right. They collect fees but have no contact available through their automated system to contact this department.
Product: Money transfer, virtual currency, or money service

I was attempting to purchase XXXX on the CashApp application. The company asked me to link my debit and bank account numbers, and upload a photo to the app along with a picture of myself. They took the information and blocked my account from making any additional transactions that would allow for my account information to be safeguarded. When I called and asked for an address for a corporate office to make sure that the business is legitimate, they hung up on me. They now have my bank account information and a copy of my driver license. I fear that they will attempt to use that information for financial gain. I would like to report that this company is phishing for personal data of the people who use the platform.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the item : XXXXXXXX XXXX XXXXXXXX Balance {$120.00} XXXXXXXX XXXX XXXX Balance {$640.00}
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX
Product: Checking or savings account

I informed Chase Bank on XX/XX/XXXX that I noticed fraudulent activity in my checking account via ATM withdrawals sporadically beginning in Mid XX/XX/XXXX, through to early XX/XX/XXXX. There were 9, {$80.00} dollar withdrawals in the total amount of {$720.00}. I noticed this fraudulent activity after seeing ATM withdrawals pending in my account that I had not taken part in. I called Chase right away and notified them of this. 

They temporarily refunded me while they " investigated the issue. '' One month later the {$720.00} in funds were taken out of my account again by Chase because they said that the fraudulent charges were justified, ie they said that the withdrawals were made by me because the card and pin were present and that the withdrawals were made in my " general geographic area '' ( withdrawals that occurred sometimes on the same day, one in XXXX XXXX, XXXX and one in XXXX XXXX, XXXX  ). They said I could have given someone my card to use at the ATM, which is a mind-bogglingly offensive accusation. I submitted 26 pages of paperwork to Chase to prove my whereabouts on these days, copies of text messages, proof of documents I was at work, and correspondence with coworkers of my whereabouts. I also filed a police report. When at the police station they explained that is very common for a card number and pin to be pulled and used at ATM locations. In fact, I was the 3rd person that day to make that type of police report. 

After submitting all of my paperwork, Chase responded to me again in saying that they think all of the charges were justified and will not refund me the {$720.00} that was taken from me. I am currently in the process of closing all of my accounts with Chase as I am horrified they think that they can take advantage of me in this way. I would love to know what their investigation team consists of, and I know now they obviously never make use of the cameras on their ATMs. I am horrified to know how unsafe my money has been these 10 years as I have had an IRA, checking, savings, and credit card all with Chase. I hope this can somehow shed light on how horrendous Chase treats their customers, and prevent this from happening to someone else. I am spreading the word in any way that I can that Chase cares nothing about the people who have their money at their establishment, people who just want to have their money be kept safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my report which I did not authorize. I have tried writing to Transunion in the past and most recently today regarding the inquiries however they will not remove them. I believe this to be in violation of the FCRA. 
All inquiries from which I do not have accounts for the last 16 months are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I have been dealing with this nightmare for way to long. ive had my identity stolen and apparently it still is. I have all kinds of cell phone debt on my credit report but i never opened them. I can not get ANYTHING because of this! 
i try and apply for any type of credit and they can not help me because what was one XXXX is now - .... My credit score can not be found. 
Please help me! 
I want to start college and can not do anything!
Product: Payday loan, title loan, or personal loan

Received phone calls at my job from loan company.