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

On XX/XX/XXXX at XXXX XXXX i recieved an email from chase to call them regarding both my savings and my checking account. They said they will close it if i do not call. I called them shockingly as the customer service rep told me they have already closed out my account without reason. I went to the branch and asked to withdrawal the remanider of my money XXXX from my savings on XXXX. They told me i couldnt do so. I called the number provided 3 times and they said it was at the banks descretion to withdrawal the remainder of my money. I went to XXXX branches located i XXXX XXXX on Tuesday XXXX XXXX. The branches and I both contacted the number provided on my end they said they need a managers approval to override and withdrawal my money from savings. This money was for my daughter who is XXXX XXXX XXXX XXXX. after tiring commutes to all XXXX banks on XXXX i gave up. i couldn't retrieve my money in savings. My checking is now overdraw and i can not transfer to clear up the negative account. They have completely restricted my account i can not withdrawal i can not deposit or transfer. They are now telling me i have to wait XXXX business days for the account to close and then they will send me a check. I asked WHY what did i do so wrong, i have XXXX YEARS with XXXX same checking account since i am XXXX XXXX XXXX!! 
They state i will receive something in the mail. 
I received the document and it does not state ANY REASON. 
THIS SHOULD BE ILLEGAL! there is no fraud. The only thing i did was TRANSFER XXXX from my savings into my checking ( NORMAL THINGS!! ) On XX/XX/XXXX i called again the number provided XXXX to ask if there was a way to expidite my account closure. and they stated no, and i can go to a branch and they can give me the remainder. I called my home branch ( XXXX Ny ) i am on the phone with a manager i asked if she can please look into this before i leave work to come, and the account stated it is in closure and i can not retrieve my money. 

How is this possible? without notice or judgement. This is my money, i am a single mother of XXXX XXXX XXXX and XXXX. I have NO cash on me, i dont know what to do!! 

Please help, this money is for my daughters XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Vehicle loan or lease

My husband is a XXXX XXXX XXXX who is currently XXXX. Vw Credit financial has denied my husband and I our SCRA rights and have threatened to repossess our vehicle since we fell on hard times during his XXXX. They do not have a SCRA department or reposession department that we are able to get in touch with and has been giving us the run around. They know about the SCRA law, because they have been asking us to voluntarily surrender the vehicle instead of coming to take it ( since we live on the XXXX XXXXXXXX XXXX XXXX ). They are denying a court order as well.
Product: Student loan

I've tried for countless hours to contact Mohela, they never answer the phone or I'm sent in endless loops of phone tree menus. I need to speak to someone regarding my term in lending original documents. 

Please tell Mohela they must step up and do better!
Product: Credit reporting or other personal consumer reports

Within seconds of each other experian closed XXXX while working on another which is a flat out LIE, experian stole almost XXXX  months of on time never late payments to XXXX and refuse to give them back AND THERE OWN WEBSITE SAYS THEY LIE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX  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 A 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 credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Im filing a complaint to report incorrect credit reporting. My research showed that I need to visit the Federal Trade Commission ( https : //www.ftc.gov ) to file an identity theft report. According to FCRA Section 605b, Credit Reporting Agencies must remove items listed on an identity theft report with reference number XXXX. Attached are documents to help remove the erroneous personal information and inquiries from my report. Here are the items that were opened without my permission : XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XX/XX/XXXX -- -- -- -- -- EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an incorrect credit reporting, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I signed up for Coinbase and Coinbase Pro on XX/XX/XXXX and withdrew {$2000.00} for Coinbase and {$1000.00} for Coinbase Pro. The money was deposited with Coinbase.com XX/XX/XXXX. I checked my investments several time XXXX and then attempted sign-in on XX/XX/XXXX x3. I was unsuccessful so changed my password. At 2-factor verification, it was clear that the phone number was not mine. So I reported it in their help section. I reported it again after it was not clear it got submitted and received an email back XXXX saying they would get back to me in 5-7 days. On the XXXX I began emailing them and eventually found that my case had been closed on XX/XX/XXXX. No explanation So I refiled on XX/XX/XXXX. Have heard nothing since except the obligatory " we'll get back to you 5-7 day '' email. I'm out {$3000.00} and a business on the XXXX with millions in investments should have better methods for dealing with obvious virtual issues or at least admit there is a huge problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX  a letter was mailed to XXXX regarding improper reporting and XXXX did not respond. A complaint was submitted to the CFPB on XX/XX/XXXX regarding this issue and as of XX/XX/XXXX the matter is still open and pending with no response from XXXX at this time. I, the consumer, am submitting this complaint as follow up to the 4/17/2023 complaint.

P

er 15 USC 6805 CFPB must enforce all the following regulations : Per 15 USC 1681a ( 2 ) ( A ) ( i ) financial transaction by consumer are not to be reported without my permission. Per 15 USC 1681c no adverse item of information may be reported regarding my consumer information unless it is a conviction of a crime. Per 15 USC 1681n (
a ) due to willful noncompliance, I am entitled to up to XXXX XXXX dollars Per 15 USC 1681o ( a ) due to negligent noncompliance, I am entitled to actual damages sustained as a result of failure to comply Per 15 USC 1681s ( a ) ( 2 ) ( A ) I, the consumer an entitled to not less than XXXX XXXX dollars per violation of each willful or negligent noncompliance in a United States district court Per Privacy Act of 1974 ( 5 USC 552a ( 4 ) ( b ) I must consent to any disclosure of my records.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and found fraudulent items there. I have never applied for such cards. Please investigate the situation because the scammers have all my info. 1. 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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION XXXX, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRONTIER COMMUNICATION - Account closed and paid in full. They reported additional amount due. No contract and additional amounts incorrect. I tried multiple times to remove this debt from XX/XX/XXXX. 

It is now XX/XX/XXXX. THIS CAN NOT BE REPORTED ANY LONGER. NOT A VALID DEBT FOR REPORTING PURPOSES.
Product: Debt collection

I have an account on my credit from PROCOLLECT # XXXX in the amount of {$130.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Product: Mortgage

My mortgage company, Dovenmuehle mortgage placed an escrow of {$940.00} on my monthly mortgage payment. I've been paying {$2100.00} monthly with no problem. I pay my homeowners insurance and property taxes myself, so there is no need for Dovenmuehle to do so. When I saw it on XX/XX/XXXX, I let them know and submitted proof of insurance to their insurance department, and asked them to re-adjust my payment back to the original amount. They said they would take care of it. They have not. 

I have called or emailed them repeatedly since then ( at least 7-8 times ),  and have not had any resolution. They've said they would call me back, but no one has. I have gotten collection calls and emails from them, however. 

I understand this is a difficult time, and we all need to be a bit patient. I'm very concerned, however, that they will send me to collections and foreclosure. I've never missed a payment, and I intend to continue with my payments as is. Unfortunately, Dovenmuehle is a misery to work with. I shouldn't have to pay for their negligence. 

For the record I have reached out via email : - XX/XX/20 - XX/XX/20 - XX/XX/20 - XX/XX/20 - XX/XX/20 - XX/XX/20 I have called approximately 12-15 times during that time as well. 
Their collections department has called me once, and I have received a collections email from them on XX/XX/20
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX under the account number ( XXXX ), I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on myconsumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through XXXX XXXX XXXX. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XX/XX/XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted XXXX XXXX to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. XXXX said they were sympathetic but unwilling to remove the mark.
Product: Vehicle loan or lease

Within the last 2 weeks I have been receiving declination letters from various banks for auto financing that I did NOT apply for, using my name and home address of 10 years by persons I do NOT know. The names that are fraudulently using my name and address are XXXX XXXX XXXX XXXX and XXXX XXXX. According to these letters I have received, these persons unknown to me, went to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and applied for a car loan. I myself went to this dealership and did NOT apply or accept a loan. A week or so later, I have been receiving declination letters from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and TD Bank. Some of these letters have my name on them along with this XXXX XXXX XXXX XXXX ( of whom I do NOT know ). The dates are XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have called and visited XXXX however XXXX 's finance person was of no help. XXXX filed a report with their finance department and I have heard nothing. 
This issue started with XXXX XXXX of XXXX. This company is to blame for their lack of security measures concerning consumer information.
Product: Debt collection

This account was removed due to identity theft. This account is not mine. The account wasnt validated and/or verified. The account is now reporting again on my credit report. Account XXXX is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX should be promptly removed to prevent further damages related to the FCRA violation. The information in incorrect. It hasnt been validated.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im  including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B rXXXXquest. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX  XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXXXXXX XXXX XXXXXXXXBalance : {$17000.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$500.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX Experian I hope this letter finds you well. I am writing to bring to your attention certain outdated accounts that are currently listed on my credit report, and I kindly request your assistance in having them removed. The inclusion of these accounts is negatively impacting my credit score, and I believe their removal is warranted for the following reasons : * Age of the Accounts : The accounts in question are considerably old, and their continued presence on my credit report no longer accurately reflects my current financial standing. As per the Fair Credit Reporting Act ( FCRA ), outdated information should be removed from credit reports to ensure accuracy. 
* XXXX Balance : All the mentioned accounts currently hold a balance of {$0.00}. Given that there are no outstanding debts associated with these accounts, their presence on my credit report is not reflective of any current financial obligations.
Product: Credit card

I made 2 Hotel reservations on XX/XX/year>. I cancelled both of them within 1 hour of making them. Both XXXX XXXX XXXX XXXX XXXX automatically charged my Credit Card. However, right after the charge went through, their web site indicated that both reservations were cancelled. I emailed them to the billing / alerts in disputes email of Citi XXXX XXXX XXXX and was credited the charges back. However, on XX/XX/year> I got all charges back onto my credit card. When I called them and talk with XXXX, their representative, I was advised since they did not recieve any info from Hotels or from me, they reverced my charges and made me responsible for the charge. I asked to talk with the managXXXX but was hang up on. I emeiled same Reservation Cancellations back to them again ; called 2nd time and talked with XXXX and again was hang up, while requestwed to talk to the manager. I emailed again the Cancellations proof to the Billing disputes and automatically got reply that they got it. However, as of XX/XX/year> the charges are still on my account
Product: Mortgage

My mortgage loan is with Specialized Loan Servicing, LLC ( CO. ). 
I am currently in the process of applying for a mortgage refinance with XXXX XXXX XXXX ( CA ). The credit report XXXX pulled, reports my loan with SLS, LLC to be in Forbearance/Deferral ( under Covid-19 loan assistance ). This is incorrect. There was never a request submitted to SLS, LLC verbally or otherwise for Covid-19 loan assistance. I have made all my regular monthly payments on a timely basis.

The credit union can not proceed with the processing of my refinance until SLS, LLC confirms in writing that my mortgage loan is not under any forbearance or deferral agreement with them.

SLS, LLC has refused to issue this letter claiming ; since my loan is not in forbearance or deferral under Covid-19 there is nothing to confirm. SLS, LLC erroneously reported my mortgage loan to be under
a Covid-19 related forbearance/deferral. I do not understand why they can not issue a simple letter to my credit union confirming the erroneous credit reporting.

Your assistance in resolving this issue sooner rather than later is truly  appreciated XXXX XXXX