23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To whom this concerns, JPMorgan Chase has not resolved a continuing issue that has been occurring since 2014, and actually caused issues where I was hired there and they ultimately declined me due to their " Security Scan '' Because of these checking and savings accounts that were opened ONLINE, as a result of identity theft. Here is the information I can provide to Chase Bank. Here 's what I know about these accounts. These accounts were opened fraudulently, there were two savings and two checking accounts opened all of which online and were fraudulent. Lastly there was credit card payments to the fraudulent credit cards from the fraudulent checking account. I did not make these credit card payments and I do not approve these payments. The checking account that was opened from identity theft, someone used to pay the payments to the credit cards that are also fraudulent as a result of identity theft. I did not authorize these checking account ( s ) nor Savings accounts opened online to be approved. These were opened fraudulently. I have never logged into chase bank because I don't have a username. In addition, I have not applied for any auto loans with your bank. These are fraudulent applications, which I have not approved nor accepted. Again these were submitted online and should be withdrawn. I want these Bank accounts and the username associated with the fraud to be closed out due to fraud. I do not have access to these bank accounts nor any access to the fraudulent credit cards that the bank chose to let the fraudulent checking account pay. These accounts were opened from Identity theft. Using an address I never have lived at XXXX XXXX XXXX, XXXX TX XXXX. At that time my Email addresses were hacked and My social security card and driver license were used. The Crook stole my wallet, and contained my email addresses. The thief also hacked the emails on file. I had to work with XXXX to get these reset. In addition, The thief opened other accounts not related to chase such as XXXX XXXX XXXX, and XXXX  XXXX at the same time as well. So it's not just chase this Identity thief opened several accounts all of which were fraudulent. All of these banks have taken care of the Identity theft BESIDES chase bank. I want to know what we can do to resolve this. I did not make any credit card payments to any fraudulent accounts. As stated the email addresses were hacked. I didn't submit any complaints to chase before these were done when the thief stole my email address as well. Please review and comply with my identity theft claim that these checking and savings accounts as well as the auto loan applications were fraudulent. In which I did not authorize and I did not authorize any credit card payments either to the fraudulent credit cards.
Product: Checking or savings account

Deposited check on XX/XX/2020 Was told funds would be available earlier than XX/XX/2020 due to my banking relationship with bank of america, as a preferred client funds would be available 3 business days earlier. Funds were not available as promised. Thus resulting in loss of investment gains as this income was going to be utilized.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Debt collection

I received an initial letter from a debt collector dated XX/XX/2021 with no verification of a legitimate debt owed. I made numerous phone calls to the company requesting verification but that information was never received. A letter dated XX/XX/2021 indicated as a formal demand listed hardship options being offered to settle this matter so I chose one of them and called the company and made a payment to settle the debt in full on XX/XX/2021. This payment was made via an XXXX card and the payment posted on XX/XX/2021. At the time I made the payment I requested a settlement in full letter be sent to me via email and was told I should receive it within 3 business days. I called the company on XX/XX/2021 regarding settlement in full letter and was told it would take 7 business days. When I called on XX/XX/2021 I was again told it would take 7 business days. On XX/XX/2021 I was then told it would take 7 to 10 business days to get the settlement in full email. When I called at XXXX ET on XX/XX/2021 ( the 10th business day ) I spoke with a supervisor who assured me she would request her manager send the email and I should receive it within a few hours today. After not receiving the requested settlement in full email by XXXX ET on XX/XX/2021, the representative I spoke with during the second call said the manager was gone for the day but I should receive the email by XX/XX/2021.
Product: Credit card or prepaid card

Do not trust XXXX XXXX XXXX even if their representations to you are in writing. XXXX XXXX XXXX of XXXX XXXX XXXX filed a lien against me on behalf of American Express. In XX/XX/XXXX, XXXX XXXX XXXX ( on behalf of Amex ) and I agreed to a written settlement, whereby all liens would be released upon payment of the settlement amount. I paid the settlement in full more than 78 days ago. Both Amex and XXXX XXXX XXXX confirmed receipt of the entire settlement payment. However, despite my numerous requests of XXXX XXXX XXXX to file the necessary paperwork to release the lien, they have not done so. It is one excuse after another. As of this morning ( XX/XX/XXXX ) the lien was still effective. 

I want Amex and XXXX XXXX XXXX to file all necessary paperwork with any government entity that is necessary for Amex and XXXX XXXX XXXX to release the lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$7400.00} Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

The account was opened online with a {$50.00} deposit from an existing account with Capital one, then a check was deposited. Later Capital one said they were closing it, but they did not issue me a check
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is collecting on behalf of Aafes for credit card debt that Ive disputed doesnt belong to me. Ive long stated that I never received communication of the debt nor had a chance to dispute said debt. Ive since had XXXX withheld from me. Interest in the amount of XXXX has accrued and theyre now collecting on that. I am unable to put energy into this and neither AAfes nor XXXX is able to provide anything that substantiates that said debt is mine. Not to mention that interest is accruing on an account that shouldve long been charged off and closed which is predatory in nature.
Product: Credit card or prepaid card

Respected sir or madam My Name is XXXX XXXX XXXX, I have cash and using it nicely, but yesterday I lost my card my money phone everything, I had a balance of around {$600.00} which is my hard-earned money, and some fraud has happened to my account and {$550.00}, {$20.00}, {$22.00} are fraud charges on my account and I am chatting with agents to file a dispute but no one is helping me, sir, please understand I need that money it's for mom and dad medical treatment which I have earned by very hardly working 1-month day and night but now fraud happens and my money is taken out please help me please I need my money back as soon as possible by today anyhow. 
my email Id is XXXX Thanks XXXX XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I was involved in a hit and run. My car is a total loss. My car value is about {$13000.00}. Mariner finance paid for my vehicle earlier this year as collateral. I only owed and they paid {$6600.00}. My loan amount is {$19000.00}. Mariner finance wont release the lien until they get the check from my insurance company for what the value of my vehicle is worth, which is way more than the amount they paid for my vehicle. Im currently still making my monthly payments to this organization. I spoke with the company today XX/XX/year> and this was the information they gave me. I have not received any statements monthly regarding my loan.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/2018 I opened a XXXX Credit Card, due to being offered a 0 % promotional 12 month interest rate due to my purchase amount. I have been charged {$55.00} in interest so date, and continue being charged interest, and the company is refusing to reverse these interest charges. I have repeatedly stated that I am still within the promotional period, and that I would not have opened the card had I not been offered the promotional 0 % interest offer. 

The offer read as the following : " Your purchase qualifies for a 12 month 0 % special financing. 
6-month special financing on orders over {$210.00} 12-month special financing on orders over {$490.00} 24-month special financing on orders over {$840.00} 36-month special financing on orders over {$1200.00} 48-month special financing on orders over {$1600.00} 24-month special financing on orders with XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, or XXXX mattresses over {$840.00} XXXX special financing on orders with XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, or XXXX   mattresses over {$1200.00} '' My purchase was for over {$490.00}, therefore qualified for 12-month 0 % interest financing. Again, I never would have opened the card had I not been given this offer.
Product: Checking or savings account

Please refer to existing complaint ID XXXX A letter received from Chase Bank dated XX/XX/2023 confirms the fraudulent activity to my savings account was not authorized on my behalf. Chase bank has approved my claim. 

Additionally, Chase Bank states on this letter that I am to contact " law enforcement '' to lift the alleged hold on both my savings and checking accounts. The only law enforcement officer I have been in contact with since the inception of this claim, XXXX  XXXX of XXXX XXXX XXXX Sheriff 's Dept., has repeatedly stated that this department has not placed any type of legal hold on these accounts. 

I've reached back to Chase Bank on multiple occasions since receiving their response and the Leins and Holds Department restates the same phrase, " Due to the nature of this case we can not give you any further information ''. 

Apparently I will need information as to what law enforcement has placed a hold on these accounts, and I find it very unfair of Chase not to provide this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my refilling complaint to EXPERIAN for making no move to address furthermore, eliminate the deceitful records that is as yet thought about my credit report and proceed to harm my standing. I conveyed correspondence letters and protests to them a few times, yet until this time no further move has been made. I have appended my FTC report with report number XXXX. I was expecting that they would report exact data on my record yet it appears they are not.
Product: Credit reporting or other personal consumer reports

I recently requested and reviewed my credit report and unfortunately there is numerous inaccuracies on my report. I contacted the reporting XXXX and they weren't helpful in removing any of these items.
Product: Mortgage

We bought a home in XXXX this year and immediately our mortgage was transferred to NewRez. The first months I had no problem with them. I reached them when I called them and payments went through. Last couple of times our payment returned and they charged a late fee both times. I talked to them about it after the first time it happened and they said the bank returned it saying Not enough funds but I called the bank right after and they said there was never a XXXX returned payment. I tried to reach NewRez ever since by phone but I cant get a person anymore. Last time I had them on the phone I did my payment again and that one ALSO never went through. I got another late payment. I dont know what to do or how I can pay my mortgage. Ill keep trying to reach them but another problem is if I keep trying to make returned payments, I will stack up on fees which I dont want to do. After this happened to me I went to their XXXX reviews and it looks like all the problems I am facing with this company other consumers had faced. In addition, I am seeing new fees being added to my online account that werent there before for insurance premium. I bought my home with XXXX with XXXX XXXX and they had my insurance already included and now NewRez is ADDING my insurance to that amount?
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX GM FINANCIAL XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX  {$2100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian Information Solutions , Inc . 
Dispute Department po box XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed account, XXXX XXXX XXXX XXXX, XXXX 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX you threaten to sue me for Collection of {$270.00} of a Debt of a XXXX account. Under the Fair Credit Act and Fair Credit Reporting Act this is wrongfully and Deceptive. XXXX XXXX Associates you owe me not less than {$25000.00}. As asked before from you send me the chain of custody of the XXXX account, along with address and phone number of XXXX Account and the one month term contract your still reporting on my credit report Also send XXXX XXXX XXXX XXXX license number to collect a debt in Michigan. The State of Michigan shows no license for XXXX XXXX XXXX to operate in Michigan. 
XXXX XXXX XXXX XXXX your Fake XXXX Account still appears on my credit report and decreased my XXXX XXXX twice for the recent validation of your Fake XXXX account. I am sending XXXX XXXX XXXX XXXX a letter from XXXXXXXX XXXX stating that they do not own the debt, not reporting the debt and account was sold. XXXX XXXX XXXX XXXX also tell me were did you get my name and identity from to support your Fake XXXX account that damaged my credit.
Product: Mortgage

This is my second complaint about this mortgage company. My original mortgage was sold by XXXX XXXX to SLS Mortgage and has been a nightmare because SLS Mortgage is so incompetent, no one can answer any questions or give a legitimate reason for any wrong transactions that they do. Two months ago I received a letter stating my mortgage went up from $ XXXXmonthly to over $ XXXX monthly which is due because of an error that SLS mortgage made, they are saying that I have a {$3000.00} shortage which I have never had in the history of my mortgage. I contacted them, stayed on the phone for 1 hour and 40 minutes being transferred from one department to another and no one could understand or resolve. The problem is they paid my homeowners insurance twice in XXXX and I was also paying, I had contacted them and told them that I was paying my own homeowners insurance because I do not trust this company. However, they made a payment on XX/XX/XXXX for {$1600.00} and on XX/XX/XXXX they paid an additional {$2100.00} for my XX/XX/XXXX homeowners insurance which is not due until XX/XX/XXXX, who does that? What reputable company would do anything like this? Why would I want to pay my homeowners insurance before it is due? No one seems to understand that they have made a mistake and keep telling me my Escrow is short. I contacted XXXX XXXX which is my homeowner 's insurance and ask them to return the payment to SLS Mortgage which they said that they would. 

Also, I had been paying monthly deductions for my homeowner insurance from my bank account so I don't understand why they would pay any of it at all. When I changed insurance SLS called and asked if I had homeowners and I stated yes, I am paying it myself because you all are incompetent so please do no pay. Now, my mortgage account is calculated wrong and in a mess and I have continued to make the payment I was making before the increase and they don't want to understand and correct their mistake. My account has been current and paid on time until this fiasco. I don't know how they are license to still be in business, this is a crooked operation, and all the reviews on their website are only negative reviews. Can someone please investigate this bootleg company? No one you speak to can explain anything, why should I have to call XXXX XXXX they made the mistake and that should have been the first thing that was done and they made the payments with a credit card, what company does that? Can you all do an investigation on SLS Mortgage because this seems to be a sure way to take my home in foreclosure since they are asking me to pay an additional {$2200.00} in escrow shortages? 
XXXX XXXX