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 reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft 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 removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$400.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX Balance : {$400.00} . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Bank account or service

I use to bank with Chase Bank from XXXX, until I had fraudulent activity on my account Chase treated me very poor so I closed my accounts, so I thought. Chase Bank only closed XXXX which was the XXXX where the fraudulent charges were on and kept my XXXX account open from XXXX until XXXX. XXXX XXXX, 2016 they closed the account and sent me a paper in the mail stating so. They then sent me a statement of debt in XXXX to get on a payment plan or pay in full but before I could do a payment arrangement, an incident occurred. The incident that occurred started on XXXX XXXX, 2016. I was in good standing with Chase bank at the time and paid XXXX dollars in tuition for school to be federally reimbursed through the government. They reimbursed {$1200.00} of my dollars back to the debit card in which I payed tuition only because federally they have to return payment the way it was payed. The card was closed and so was the account. When I called Chase Bank to see where the money was they said the money was not received and that if the money was to come in by Law they had to return to sender because they cant take things such as taxes or tuition without permission as a payment, that 's outside of their guidelines and restrictions, yet today XXXX/XXXX/16 they took the funds and used them towards the debt owed. When I asked them how can they do that first they said it was a claim, so they took it then when I said NO, that is impossible not for a closed account, he then put me on hold and said well the debit card was linked to the delinquent account but its not. The delinquent account was closed in XXXX by the fault of Chase so they made the XXXX account delinquent. So how is it possible they take my tuition money and can keep it? Is that even legal? If so I want proper information and the guidelines on why Chase can do so, if its federal money and a closed account and debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified dispute letter to XXXX  Credit Bureau, Transunion and XXXX. The letters were confirmed received on the following dates to XXXX  on XX/XX/2021, Transunion on XX/XX/2021 and XXXX  on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with 3rd parties. With that being the case there is no way that this could have been verified and I would like to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

T

his is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 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 or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you f ail to comply. I am a litigious consumer and fully intend on pursuing
litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : US DEPT OF EDUCATION XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am asking this company to provide proof they were not loaning out other peoples money and I am also requesting proof that they provided equal consideration in this contract. I am well aware that this consumer transaction was funded by my signature and my social security number which represents my unlimited source of credit that cant be denied. I am also requesting this company recognizes my right of subrogation in this matter and that they understand my rights to equity as I am the beneficial title holder of XXXX XXXX, which is its own corporation. The car is already paid when I signed the agreement. Recognizing my rights to equity in this matter should lead to a discharge of the debt, they continue to not address this part of my complaint and it is extremely frustrating. I know that federal reserve notes is a negotiable instrument, a promise to pay and 1099a or c is another negotiable instrument that is equivalent to federal reserve notes ( cash ) I ask to speak to someone in legal department who has a better understanding but they continue to send me to XXXX who says she doesnt have any understanding, nor does she work in the legal department. I am requesting to speak with an underwriter and to see the factors of why they can not discharge this debt. Bridgecrest did not provide me with any money in this contract because since XXXX and the federal reserve banking act there has been no money and we can not pay debt but only discharge it. This is my 3rd complaint because they continue to not address the issue. I will take my complaint to XXXX and the FDIC if this venue is not enough to settle these charges. XXXX XXXX is a corporation and I, XXXX XXXX XXXX XXXX, am surety, I need them to recognize my right to Life liberty and the pursuit of happiness as the reason I want my debt discharged. I am going to FDIC, the Federal Deposit Insurance Corporation if this venue can not help settle the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$8500.00} SENT DISPUT LETTER XXXX XXXX  XXXX XX/XX/XXXX XXXX SENT DISPUTE LETTER
Product: Debt collection

In XXXX of 2001, my ex-husband and I signed up with XXXX ( XXXX XXXX XXXX ) to store my new born XXXX  XXXX XXXX  We paid several hundred dollars for this initial service. Approximately two years ago, XXXX contacted me via cell phone and told me that in order to continue the freezing service, we would need to start paying approximately {$100.00} a year and I told them that I did not want to continue the service. Last night I received an updated credit score from my credit card company and my credit score dropped from XXXX in XXXX to XXXX in XXXX because XXXX sent my account to collections, even though I told them that we no longer wanted to continue using their service and I did not receive a bill from them. XXXX told me this morning on the phone that they emailed a document to me that required a signature to discontinue their services and when I asked them to produce proof of the email, they could not. The collections company, AWA Collections XXXX XXXX CA told me on the phone that they couldn't do anything until XXXX tells them to remove the claim. AWA can not have any documentation justifying filing this collection because there was nothing ordering the continuation of this service past the originally paid service!
Product: Credit reporting or other personal consumer reports

Upon reviewing my Equifax credit report, I have identified inaccurate inquiry. I kindly request the deletion and blocking of this inquiry that do not belong to me within the next XXXX business days.
Product: Credit reporting

This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, Equifax, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, Equifax and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquires From XXXX... ..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL has voilated 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 also states a consumer reporting agency can not furnish a account without my written instructions. 

I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX XXXX, I was assaulted and robbed in XXXX XXXX. My XXXX XXXX XXXX and wallet containing my ID 's, debit cards, and credit cards were stolen. As a result, they were able to hack into my applications, make fraudulent transactions using my cards, and pull money out of my accounts in various ways. After filing a police report, my next action that day was to go to Chase and detail the attack to them in order to secure my account. At that time there was only a fraction of my funds missing and I believed I was doing my due diligence as a victim by notifying Chase so that they could prevent further fraudulent charges from occurring. However, due to Chase 's negligence the compromised account was left open, and the assailant was able to clean out both my savings and checking accounts. 

Since the attack, I have been on the phone with Chase every day their business accepts calls trying to give them what they need to settle the claims. I have sent two initial, as well as two full police reports detailing the original attack in XXXX XXXX, as well as a police report I filed in my own community for the fraudulent charges themselves, in which I detailed the original incident again. Chase has denied several of the claims containing some of the largest fraudulent charges. I have reasserted the claims more than once pleading with Chase to look at the evidence at hand. All of the fraudulent activity occurred on or between XX/XX/XXXX and XXXX, proving there is no way I could have authorized these transactions. I work for a XXXX XXXX  and have held a government security clearance since 2016. I would never do anything to put my career in jeopardy. I just want back what is rightfully mine. 

This experience was highly traumatic itself, but the possibility of not recovering these funds that I worked so hard for is truly terrifying. I am currently the sole provider of my household as a result of my fianc being laid off and having a hard time finding work. We have a wedding coming up in 52 days, and are trying to remain positive, but the rejection from Chase is causing us both serious mental distress. 

The following is a list of all Chase claim numbers with their total amounts and how they were used : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX, I sought a loan modification from my lender to address XXXX months of delinquency, aiming to rectify the situation and regain financial stability. After negotiations, we seemingly reached an agreement : the overdue amount would be tacked onto the end of my loan, enabling a fresh start. 

However, the following month, shockingly, my total loan balance ballooned to $ XXXXmore than double the remaining balance. Perplexed, I scrutinized the remodification document, anticipating a simple error. To my dismay, it cited an outstanding balance of {$98000.00}, significantly diverging from the actual remaining balance of {$46000.00} relayed during our discussions. 

Initially chalking it up to a misunderstanding, I expected a swift correction. Yet, to my dismay, subsequent mortgage statements mirrored the inflated amount, leaving me dumbfounded. This egregious discrepancy defied reason, as no rational individual would knowingly consent to doubling a mortgage, especially nearing its completion. 

Residing in my home since XXXX, diligently paying the loan over the years, the sudden surge in indebtedness to near the original purchase price bewildered me. Seeking clarity, my attempts to engage with customer support yielded frustrating responsesacknowledgment of the anomaly, yet a disheartening admission of powerlessness to rectify it. 

Reviewing my documentation, the XX/XX/XXXX statement of {$46000.00} reflected the previously agreed-upon balance of, starkly contrasting with the exorbitant sum abruptly thrust upon me in XXXX of {$98000.00}. This stark contrast highlights the predatory nature of the lending practices employed, leaving me feeling exploited and disenfranchised. 

In essence, this situation epitomizes predatory lending, where borrowers are exploited through deceptive practices, jeopardizing their financial well-being and undermining the trust essential in financial transactions. 





I have lived in my home since XXXX and have been paying off of the house since then. This {$98.00}, XXXX takes the home nearly back to the price for which I originally bought the house. I have no idea how they could do this and when I call to speak with support, I'm told by the employees that it doesn't make sense to them either but " there's nothing they can do ''. The documentation that I do have has the statement in XXXX with a XXXX balance and then in XXXX it becomes XXXX for which I am trying to dispute because that is nearly the price of the original mortgage and I would essentially almost pay for the home twice. These are clearly predatory mortgage lending practices, and I feel that I have been taken advantage.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, someone made an unauthorized transaction of {$1000.00} from my Cash App to a XXXX XXXX. I never authorized it and never transferred money to my Cash App. 

My identity has been compromised and I already froze my credit with the XXXX credit bureaus. I also filed a report with Identity Theft and the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

To whom it may concern : I have filed a claim with Bank of america for a fraud transfer, Claim # XXXX in which money was transferred from my account into a cashapp account on XX/XX/XXXX. On XX/XX/XXXX when I noticed this I immediately cancelled my cards and from the online banking app, which gave me a list of transactions asking if i made all of the purchases listed, i selected no. ( You would have thought that this would have started the fraud investigation, it didn't. When i called in the next day to check to see what the status was on me getting refunded, i then found out that there wasn't any kind of claim established. I then had to file a claim. I was then told it would be up to 10 business days before Bank of america would finish the investigation, which is fine, but meanwhile i have no money until either the XXXX of XXXX or until I get paid again. An agent was nice enough to put a hardship request in for me, since you know " i have no money '', but bank of america denied it and said i wait to wait until the XXXX. You would think after the XXXX XXXX they had, they would be a little more open to customers needs, no!!! I have to borrow money until i can come up with more because of this. All you had to do was issue a provisional credit " i put plenty of money into my accounts, as well as this being my first ever claim with bank of america. I had an issue years ago with Forum where i used my card at a gas station and it had a swiper device on it and they issue me a credit the day after the transactions happened.
Product: Student loan

MOHELA took over my student load and is attempting to triple my payment to {$460.00} a month. My agreement with XXXX is for {$150.00} month and I made no changes to that agreement. MOHELAs customer service number states they are closed and have no times to call to speak to someone. A classic attempt to switch terms and conditions without properly notifying or discussing with consumer.
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX XXXX has inflicted undue harm on my financial reputation and stability.